{"meta":{"key":"s_ia--pass-11","task":"S_IA","title":"Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway","parent_title":"Iowa debt and debt relief law","edition":"pass-11","path":"/research/s_ia--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":14,"claims":50,"sources":21,"review_status":"scoped_coordinator_collector_notification_security_remedy_fee_review_with_unresolved_threshold_source_currentness_application_holds","review_complete":true,"sha256":"7133ff9c70cadc4bae523db181d863aadf1dc95583adefb3ac8565a184de97b0","headings":["Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway","Principal findings","A1. The underlying obligation must qualify","Credit must actually have been granted","A2. Actor/debt/stage matrix","A3. Iowa and federal definitions do not match","A4. Remote and out-of-state conduct","B1. Notification is not a collection license","B2. Threshold and version discrepancy","B3. Notification, fees, exemptions, and security matrix","Volume-fee base","Rule history actually checked","B4. Specialized loan collection can require authorization","B5. General entity qualification and investigation work","C1. Narrow conduct and charge matrix","C2. Legal-practice boundaries","C3. Client money is not consumer-fee permission","D1. Responsible bodies and public entry routes","D2. Public and private remedies are different","Private-action qualifications","Failure to notify alone is not the same claim as abusive collection","Citation-rule qualification","M01 — Same obligation, three different collection actors","Shared stipulations","M02 — Remote entity, general qualification, and government fees","Ordinary collector branch","Separate assignee-volume branch","M03 — Demanded collection cost and a separate client-money ledger","Demand","Actual payment and separate commission","M04 — Complaint, private recovery, and public enforcement","Branch A: proven collection violation","Branch B: distinct excess-charge claim","Branch C: public notification enforcement","K1. Contribution to the authorized remainder","K2. Actual reads and source limitations","Failed routes and nonrelied material","K3. Remaining currentness and interpretation holds","K4. Actions not taken"],"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-11","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"ExactreviewedP01broadcollectionhold+explicitparentcollectionlicensing/originalcreditorvsthirdparty narrowed ordinaryconsumercollectoractor/marketaccess/security/publicproceduregateway. Otherpassesnotlicensingpremises; P08unreviewed and P10separatecorrection","pending_corrections":0},"markdown":"# SettleADebt — S_IA PASS-11\n\n## Iowa collection actors, notification/licensing boundaries, security, and public consumer-procedure gateway\n\n**Fresh access date:** October 27, 2026, Pacific Daylight Time and UTC. Observed session-clock checkpoints included **10:44:09 PDT / 17:44:09 UTC** and **10:59:47 PDT / 17:59:47 UTC**. These are not individual source-fetch timestamps or a complete session interval.\n\n**Review status:** Same-coordinator research, **not independent review**. Earlier provider, funds, bond, agreement, and limitation reports do not establish collector authorization. P08 supplies no limitation premise here.\n\n**Register counts:** **21 source groups; 50 claim entries; six case entries—five published Iowa Supreme Court opinions and one Court of Appeals opinion used only with an unverified-publication qualification; four fictional models; 16 shorter postures; and 56 coverage entries.** Multiple sections of Chapter 537 are grouped by subject, not treated as independent corroboration.\n\n## Principal findings\n\n**Iowa’s ordinary collection framework is notification plus conduct regulation—not a general debt-collector license.** The Attorney General’s official instructions expressly distinguish notification from licensing. The controlling notification provisions are Iowa Code §§537.6201–.6203, administered through the Attorney General. But that conclusion has an important exception: **direct collection or enforcement of supervised loans can require separate authorization under §537.2301.** “No ordinary collector license” therefore does not mean unrestricted collection authority. [Iowa Attorney General+2](https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification)\n\n**Iowa’s collection-conduct definition reaches original creditors as well as third parties.** Section 537.7102 includes collection for oneself, one’s employer, or others. Yet the underlying obligation must meet Iowa’s actual statutory debt definition. In **Degeneffe**, the Iowa Supreme Court held that payment due upon completion, accompanied by late charges, did not itself establish the required grant of credit. An unpaid household bill is not automatically a covered consumer-credit debt. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf)\n\n**A material notification-threshold discrepancy remains unresolved.** The 2026 statute uses the indexed “threshold amount” for the preceding year but retains **$25,000 for the current-year alternative**. The compiled administrative rule still uses $25,000 for both years. The current AG page uses **$73,400 for either year**. The federal source confirms $73,400 as the 2026 indexed amount, but that does not erase the different current-year statutory wording. This report preserves—not silently reconciles—that discrepancy. [Iowa Legislature+3](https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf)\n\n**No ordinary collection-agency bond, consumer recovery bond, or general collector trust-account scheme was established from the notification provisions, compiled Chapter 22, or blank notification form.** That bounded finding does not eliminate specialized loan, attorney-client trust, money-transmission, debt-management, local, or other requirements. No amount from Chapters 533A or 533C is imported.\n\n# A. Debt, conduct, actor, and territorial classification\n\n## A1. The underlying obligation must qualify\n\nSection 537.7102 supplies article-specific definitions:\n\n| Element | Verified statutory meaning or boundary | Consequence |\n| --- | --- | --- |\n| **Creditor** | Person to whom the debtor is directly or indirectly obligated. | An assignee or owner may be a creditor, but ownership still must be established. |\n| **Debt** | Actual or alleged obligation arising from the listed consumer-credit, rental-purchase, expanded hypothetical-transaction, check, and Chapter 533D categories. | “Alleged” does not validate a nonexistent balance; it permits conduct regulation concerning an asserted obligation. |\n| **Debt collection** | Soliciting debts for collection, collecting, or attempting collection. | Conduct can be covered before money is received or litigation begins. |\n| **Debt collector** | Person acting directly or indirectly for self, employer, or others; also specified sellers of collection-system forms. | Original-creditor status is not a general Iowa conduct exemption. |\n| **Debtor** | Person obligated for article 7 purposes. | Identity and obligation remain factual questions. |\n\nThe broader Chapter 537 definitions separately require, for the principal sale/loan categories, qualifying credit, a person other than an “organization,” primarily personal/family/household purpose, the relevant installment/finance-charge condition, and applicable amount or other limits. “Organization” and “person” have distinct statutory definitions; this should not be reduced to an unsupported rule that every possible entity arrangement is treated identically. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf)\n\n### Credit must actually have been granted\n\nUnder §537.1301(16), credit concerns a granted right to defer payment. In **Degeneffe v. Home Pride Contractors**, an ordinary home-improvement contract requiring payment at completion did not become a consumer-credit transaction merely because late payment could produce charges. The court also examined the requirement that the seller regularly engage in the relevant credit transactions. [iowacourts.gov](https://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion)\n\nConsequently:\n\n- A genuine installment sale or loan may qualify.\n- A cash-on-completion transaction does not automatically qualify because the customer later fails to pay.\n- A late fee is not by itself proof of a contractual right to defer payment.\n- The expanded debt and check categories in §537.7102(3) must be considered separately; **Degeneffe is not a blanket exclusion of every unpaid service bill**.\n- Business-purpose obligations, government-provided benefits, regulated utilities, and other special categories require their own statutory analysis.\n\nSection 537.1202 excludes specified transactions, including certain government, insurance, regulated public-utility/common-carrier, securities-broker, and pawn transactions, subject to its qualifications. Section 537.1301(12) separately excludes benefits provided by or on behalf of the state or a state agency from “consumer credit transaction.” These provisions do not establish every government actor’s immunity or every federal institution’s preemption position. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.1202.pdf)\n\n## A2. Actor/debt/stage matrix\n\n| Actor and conduct | Iowa conduct coverage | Notification or other access question | Missing facts preventing actual classification |\n| --- | --- | --- | --- |\n| **Original creditor collecting its own covered debt** | Included in §537.7102’s self-collection language. | Creditor notification under §537.6201(1) is separate from collector notification. Statutory institutional exclusions may apply. | Qualifying transaction, authority, exemption, actual conduct. |\n| **Third-party collection agency** | Included when directly or indirectly collecting covered debt. | Collector notification threshold and territorial conditions; supervised-loan authority if applicable. | Debt type, annual totals, role, loan status, exemption. |\n| **Purchaser of defaulted debt** | Ownership does not remove state collection-conduct coverage. | May be creditor/assignee and collector; applicable notification and volume-fee categories require classification. | Actual assignment, nature of portfolio, collection activity, supervised-loan status. |\n| **Servicer collecting before default** | Iowa’s definition does not contain a universal pre-default-servicer exclusion. | Creditor/collector and specialized servicing law must be examined. | Contractual role, ownership, debt and charter status. |\n| **Servicer obtaining accounts after default** | Potentially covered on the same activity basis. | No automatic license or exemption follows from “servicer.” | Acquisition timing, actual authority, relevant specialized regime. |\n| **Employee collecting employer’s covered debt** | Employer collection is expressly included. | Entity filing and employee role are separate; do not invent a separate employee notification fee. | Employment, business name used, scope of conduct. |\n| **Affiliate collecting related entities’ debts** | No blanket Iowa affiliate exemption was established. | Actual entity and statutory institutional provisions matter. | Ownership, activities, charter authority, principal business. |\n| **Attorney or law firm** | The label does not remove covered collection conduct. | Notification may apply; professional admission and legal-practice rules are separate. | Actual admission, capacity, activity, threshold and exemption. |\n| **Nonprofit organization** | No categorical nonprofit exemption in §537.7102. | Actual transaction and notification conditions remain necessary. | Whether credit was granted; charitable/counseling activity and compensation. |\n| **Debt-management intermediary** | Chapter 533A status alone does not decide whether its separate conduct is debt collection. | Must classify each activity; no collector authority imported from a debt-management license. | Whose debts are pursued, whom it represents, money and communication roles. |\n| **Seller of purported collection-system forms** | Expressly included in §537.7102(5)’s specified circumstances. | Notification and other obligations remain fact-dependent. | What the forms represent and intended use. |\n| **Government or regulated institution** | No universal conclusion from public or institutional identity alone. | Chapter exclusions, notification exemptions, supervisory allocation, federal law may differ. | Exact entity, authority, transaction, conduct and capacity. |\n\nSources: §§537.1301, .6201, .7102; **National Farmers Organization**; AG notification instructions. [Iowa Legislature+4](https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf)\n\n## A3. Iowa and federal definitions do not match\n\nThe federal FDCPA definition generally uses the principal-purpose and regularly-collecting-another’s-debts tests, plus the creditor false-name provision and specified exclusions. The statute separately addresses employees, certain affiliates, government employees, process servers, qualifying nonprofit counseling, fiduciary activity, originated debts, debts not in default when obtained, and specified commercial-security situations. [US Code](https://uscode.house.gov/us/usc/119-118/t15/s1692a/)\n\nAccordingly:\n\n- Iowa self-collection coverage does not prove federal FDCPA coverage.\n- Original-creditor status does not resolve every federal false-name or principal-purpose issue.\n- Buying a defaulted debt does not alone answer every federal status question.\n- An affiliate exception must satisfy its actual conditions.\n- The federal nonprofit-counseling exception is conditional, not a nonprofit label exemption.\n- Attorney status does not supply a current categorical federal exemption.\n\nThis is a **definition boundary only**, not a full FDCPA communications, validation, reporting, or remedies report.\n\n## A4. Remote and out-of-state conduct\n\nSection 537.1201 contains transaction-origin and territorial rules, including consumer residence, communications, receipt, and significant-relationship provisions. It also reaches specified collection and enforcement activity in Iowa even where the transaction originated elsewhere. [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.1201.pdf)\n\nAn out-of-state headquarters, online-only interaction, or absence of an Iowa office therefore does not automatically eliminate Chapter 537. Conversely, an Iowa consumer’s presence does not answer every foreign-law, federal-charter, local, or tribal issue. No actual location, solicitation, transaction, or communication record is supplied.\n\n# B. Actual market-access regime\n\n## B1. Notification is not a collection license\n\nThe operative ordinary framework is:\n\n1. Determine whether the debt and activity fall within Chapter 537.\n2. Determine whether creditor or collector notification applies.\n3. Apply the actual statutory exemptions.\n4. File the required information and pay applicable government fees.\n5. Separately determine whether supervised-loan, professional, entity-qualification, investigation, or other specialized authority is required.\n\nThe AG’s operational page calls this notification/registration and expressly says no ordinary debt-collector license is issued. A submitted form, processing entry, or annual payment is not an adjudication that the filer owns an account, may impose a charge, or may litigate it. [Iowa Attorney General+1](https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification)\n\n## B2. Threshold and version discrepancy\n\n| Source | Actual displayed rule | Status and permissible use |\n| --- | --- | --- |\n| **2026 Code §537.6201(2)** | Preceding-year total exceeds the defined “threshold amount”; if not, current-year total exceeds **$25,000**. | Controlling compiled statutory wording, subject to later-law audit. |\n| **§537.1301(47)** | Defines the threshold by reference to 12 CFR1026.3(b) as in effect when the transaction is entered. | Raises an application question when used for an aggregate collection threshold. |\n| **Compiled 61—22.2** | Still uses **$25,000** for both years and retains other outdated references. | Official compiled rule text, but not a basis to overwrite the statute. |\n| **Current AG notification page** | Uses **$73,400** for either preceding or current year, aggregated from all sources rather than Iowa accounts alone. | Current operational instruction, not a statutory amendment. |\n| **Official Regulation Z interpretation** | Confirms **$73,400 for January1–December31,2026**. | Establishes the federal indexed amount; does not resolve Iowa’s separate current-year wording. |\n\nNo CPI calculation was performed. No authoritative reconciliation of the statute’s $25,000 current-year branch, the rule’s older wording, and the AG’s $73,400 instruction was established. A collector between those figures cannot be declared exempt from this record. [Iowa Legislature+4](https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf)\n\nThe separate creditor-notification provision does not depend on importing the collector’s volume threshold. The AG states that most own-creditor businesses do not file *as debt collectors*, while a creditor/assignee filing may still apply. [Iowa Attorney General+1](https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification)\n\n## B3. Notification, fees, exemptions, and security matrix\n\n| Item | Verified requirement | Qualification |\n| --- | --- | --- |\n| **Administrator** | Iowa Attorney General under §537.6103. | Supervisory responsibilities for regulated institutions are separately allocated. |\n| **Initial filing** | Within thirty days after commencing business under §537.6202. | Actual applicability and commencement facts required. |\n| **Annual filing/payment** | By January31 of succeeding years. | Notification renewal is not a license or debt renewal. |\n| **Identity** | Legal name and all names under which business is conducted. | DBA disclosure does not establish separate assumed-name compliance. |\n| **Locations** | Main office, relevant Iowa offices, and prescribed remote/out-of-state information. | Not proof that every branch is separately licensed. |\n| **Iowa agent** | Statutory agent information; AG instructions require an Iowa agent for an out-of-state principal office. | General corporate registered-agent law remains distinct. |\n| **Changes** | §6202(2) does not require a further notification before the next annual date. | AG instructions request written contact updates without a fee; operational guidance and statutory timing must remain distinct. |\n| **Transfer/surrender** | AG FAQ describes written cessation/surrender information. | No general transfer-approval or successor-authorization mechanism was established. |\n| **Base fee** | **$50 annually per person required to notify.** | Not stated as $50 per DBA, creditor account, or branch. |\n| **Additional volume fee** | Applies to specified sellers, lessors, lenders, and assignees using average prior-year month-end unpaid balances. | Different base from annual cash collections. |\n| **Late charge** | Up to **$75** if required fees remain unpaid in full more than thirty days after due date. | Statute says administrator **may** collect; not automatic private damages. |\n| **Online convenience charge** | AG page states **$1** for the online payment route. | Operational payment charge, not statutory consumer collection-cost authority. |\n| **Institutional exception** | Persons authorized under Chapters524,533,536,536A are excluded from this notification part. | Not blanket exemption from all conduct law or proof of federal preemption. |\n| **Ordinary collection bond** | None established in the selected notification statute, Chapter22, or blank form. | No Chapter533A/533C bond imported; specialized regimes remain open. |\n| **Ordinary collector trust security** | No general account-security or consumer bond-recovery scheme established in those sources. | Actual custody, agency, professional and specialized rules remain unresolved. |\n\nSources: §§537.6201–.6203; compiled61—22; AG instructions and blank form. [Iowa Legislature+5](https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf)\n\n### Volume-fee base\n\nThe additional statutory fee is **$10 for each $100,000, or qualifying residual amount exceeding $10,000**, of the prescribed average unpaid balances. The seller/lender branch includes specified balances held by an immediate or remote assignee that has not notified; the assignee branch addresses assigned obligations held at month-end. These are not a commission, tax on cash collected, or fee chargeable automatically to a debtor. [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf)\n\nThe AG’s creditor/assignee schedule is operational guidance. Its boundary presentation should not silently replace the statute’s residual-amount wording. The model below deliberately avoids the disputed boundary.\n\n### Rule history actually checked\n\nTwo final adopted notices were read:\n\n- **ARC3629C**, effective March21,2018: Chapter22 late-charge amendment.\n- **ARC4969C**, effective April15,2020: Chapter22 base-fee amendment reflecting the statutory change.\n\nThe October14,2026 agency compilation still contains Chapter22. Its future rescission notation is not treated as present repeal or as a complete prediction of future rule status. No complete amendment-chain or post-October14 audit was performed. [Iowa Administrative Rules+2](https://rules.iowa.gov/Notice/Details/3629C)\n\n## B4. Specialized loan collection can require authorization\n\nSection 537.2301 prohibits an unauthorized person from engaging in the business of making supervised loans **or undertaking direct collection/enforcement arising from supervised loans**.\n\nIts branches matter:\n\n- Authorized supervised financial organizations and licensees under Chapter536 or536A may qualify.\n- The limited remote-lender branch requires **fewer than ten supervised loans per year in Iowa, no Iowa office, and no face-to-face solicitation in Iowa**.\n- The three-month collection/enforcement window without a license requires a **prompt application that has not been denied**.\n- A supervised loan **made** in violation of subsection2 is subject to the statute’s voidness and recovery consequences.\n\nThe last point must not be rewritten as “any collection by an unauthorized actor voids an otherwise valid loan.” The statute distinguishes unlawful making from collection authority. A “supervised loan” is defined through the applicable rate relationship to Chapter535, not through an invented universal rate in this report. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf)\n\nThe complete Chapter536/536A application, branch, security, fee, and exemption regimes were not investigated here. Their applicability is an explicit remaining gateway.\n\n## B5. General entity qualification and investigation work\n\nIowa’s foreign-corporation and foreign-LLC statutes list specified debt acquisition, securing, collection, and enforcement activity among activities that do not, by themselves, constitute transacting business for those registration provisions. They expressly preserve other service, taxation, and regulatory questions. Therefore, a remote collector cannot automatically be told it must foreign-qualify merely because it collects a debt; nor can it assume all its other business activity is exempt. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/490.1505.pdf)\n\nChapter80A’s private-security-business definition excludes debt collection, but separate private-investigation activity can create a different issue. Skip tracing, locating persons, and investigative services require their actual activity analysis. The AG FAQ warns about that distinction. No Chapter80A application, bond, or professional authority is inferred from ordinary collector notification. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/80A.1.pdf)\n\n# C. Actor-specific duties and authority limits\n\n## C1. Narrow conduct and charge matrix\n\n| Duty or authority issue | Governing requirement | What notification does not establish |\n| --- | --- | --- |\n| **True identity** | §537.7103(4) restricts false names, identity, and misleading collection representations. | A registered DBA does not permit false lawyer, government, creditor, or court identity. |\n| **Assignee identification** | The specified demand must identify the assignee as required by §7103(4)(d). | It does not prove the assignment or balance. |\n| **Amount/status/authority** | False representations about character, amount, legal status, government endorsement/bonding, or legal process are prohibited. | Filing notification is not government endorsement or proof of a recovery bond. |\n| **Paragraph-specific disclosure exceptions** | §7103(4)(b) contains specified formal-pleading and institutional/affiliate/personnel exceptions with conditions. | These are not wholesale exemptions from §7103. |\n| **Collection-service fees** | §7103(5)(c) requires a legally chargeable fee reasonably related to acts actually performed. | A collector’s internal percentage schedule is insufficient. |\n| **Incidental charges** | §7103(5)(d) requires express agreement plus legal chargeability, or other legal permission. | Contract wording alone cannot validate an unlawful charge. |\n| **Consumer-credit attorney fees** | §537.2507 generally prohibits such agreements, with a specified larger, land-secured exception. | The exception is not an ordinary unsecured-account authorization. |\n| **Default charges** | §537.3402 restricts unauthorized default charges, with its stated security-realization and lease qualifications. | “Collection cost” is not an unrestricted default-charge category. |\n| **Assignment notice/proof** | §537.3204 permits payment to the original creditor until adequate assignment notice; a requested proof branch also applies. | No automatic title or admissibility conclusion from the word “assignee.” |\n| **Judicial entitlement** | §537.5114 requires specified allegations and verified complaint or sworn proof before default judgment. | Notification does not prove contract, default, amount, calculation, or standing. |\n\nThese are selected identity, authority, and charge provisions—not a complete communications or litigation report. [Iowa Legislature+4](https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf)\n\n## C2. Legal-practice boundaries\n\nIn **A-1 Associates**, a collection arrangement disguised as an assignment did not authorize a nonlawyer collection company to provide legal services for the original creditors. The court examined the actual economics and retained creditor benefit, not merely the assignment’s caption. Its discussion of a genuine purchase does not supply a present blanket corporate self-representation permission. [FindLaw Caselaw](https://caselaw.findlaw.com/court/ia-supreme-court/1184921.html)\n\nThe retrieved professional rule32:5.5 prohibits unauthorized practice and assistance in unauthorized practice, while providing conditional rules for qualifying out-of-state lawyers. The displayed professional-rule compilation is dated **December2020**; a complete later-amendment audit was not performed. A law degree, attorney label, out-of-state admission, collection-company ownership, or online service does not establish the necessary Iowa authority. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf)\n\n## C3. Client money is not consumer-fee permission\n\nFor a lawyer holding client or third-party property in connection with representation, rule32:1.15 imposes segregation, notification, delivery, accounting, and disputed-fund duties. Advance fees, earned fees, disputed amounts, and client principal must be distinguished. Chapter45 supplies additional trust-account rules that were not comprehensively examined. [Iowa Legislature](https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf)\n\nFor an ordinary nonlawyer agency, this pass did **not** establish a universal statutory remittance deadline, trust-account architecture, retention period, reserve rule, or bond for client collections. The agency contract and other applicable fiduciary, payment, transmission, and sector law remain necessary. No P04 custody conclusion is imported.\n\nA debtor’s payment can be credited fully to the debt while a separate lawful creditor-agency commission is paid from the creditor’s proceeds. That does not convert the commission into an additional consumer obligation. The fictional ledger below separates those flows.\n\n# D. Public consumer procedure and remedy gateway\n\n## D1. Responsible bodies and public entry routes\n\n| Body/route | Verified role | Limits |\n| --- | --- | --- |\n| **Iowa Attorney General, Consumer Protection Division** | Administrator of Chapter537; receives generic consumer complaints and administers notification. | Not private counsel; complaint does not guarantee investigation, refund, or litigation. |\n| **Appropriate financial supervisory authority** | §537.6105 allocates examination, investigation, and administrative functions for specified supervised institutions. | Exact charter and activity must be known; no institution was queried. |\n| **Court in Chapter537 enforcement** | May decide injunctions, penalties, consumer claims, and statutory relief when properly invoked. | An administrative complaint is not a court filing or stay. |\n| **Attorney Disciplinary Board** | Receives and investigates lawyer complaints; discipline operates through the professional-regulation system. | Not a substitute for a damages action or a fee/balance adjudication. |\n| **Commission on Unauthorized Practice of Law** | Generic public complaint route for alleged unauthorized practice. | Current detailed Chapter38 procedure was not recovered; no actual submission or status inquiry occurred. |\n\nThe AG page also directs users to appropriate financial complaint routes. Choosing an agency does not establish coverage, cure a judicial deadline, stay collection, or adjudicate ownership. [Iowa Attorney General+4](https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint)\n\n## D2. Public and private remedies are different\n\n| Route | Actor and predicate | Verified consequence or monetary unit | Important limitations |\n| --- | --- | --- | --- |\n| **Investigation** | Administrator with statutory grounds under §6106. | Records, examination, testimony/subpoena and court-enforcement mechanisms. | Not an automatic finding against the collector; confidentiality and scope conditions apply. |\n| **Administrative cease-and-desist** | Notice/hearing and §6108 predicates. | Administrative order. | Specified unconscionability/fraud-course matters require the court route rather than assuming administrative power. |\n| **Assurance of discontinuance** | Written assurance under §6109. | May include specified costs or escrow terms. | Case-specific assurance is not a universal collector bond or account-security requirement. |\n| **Injunction/other court relief** | Administrator’s action under §§6110–6112. | Available statutory injunctive and related relief. | Court process and substantive predicates required. |\n| **Consumer money recovered by AG** | §6113(1), **after demand**, for money expressly recoverable by consumers under Chapter537. | Payment/setoff according to court order and statutory precedence rules. | Excludes penalties from this recovery branch; defenses remain available. |\n| **Repeated intentional violations** | AG civil action; both repeated and intentional violation under §6113(2). | Court penalty **not more than $10,000**. | Text does not state “$10,000 per violation”; two-year and specified unconscionability/fraud exclusions apply. |\n| **Notification/fee enforcement** | AG civil action under §6113(3). | Unpaid fees + **7% annual interest** + reasonable costs; court penalty capped at the greater of **three times unpaid fees or $1,000**. | Government recovery, not a consumer refund or automatic administrative award. |\n| **Knowing/willful criminal provisions** | §5301’s specified actors and conduct. | Serious-misdemeanor provisions, including the qualified §7103 branch. | Notification offense has its own actor limits; do not apply it universally to every nonfiling business. |\n| **Private enumerated violations** | Eligible consumer under §5201(1), including §7103 violations. | Actual damages; in a nonclass action, court-selected penalty **$100–$1,000**. | Not every Chapter537 violation is enumerated; consumer-rental-purchase lessee exclusion applies to this branch. |\n| **Excess charge/refund** | §5201(2)–(3), with the particular charge or refund-demand conditions. | Excess/refund plus, in a qualifying nonclass action, **$200–$2,000** court penalty. | Thirty days is presumed reasonable for the refund-demand branch; no automatic stacking with another penalty. |\n| **Consumer costs/attorney fees** | Court finds a violation in an action satisfying §5201(8). | Costs and reasonable attorney fees measured by reasonably expended time. | Not a percentage-of-recovery formula or automatic award after a complaint. |\n\nSources: §§537.6105–.6109, .6110–.6113, .5301, .5201. [Iowa Legislature+6](https://www.legis.iowa.gov/docs/code/2026/537.6106.pdf)\n\n### Private-action qualifications\n\nSection5201 distinguishes:\n\n- **Actual damages**, which require proof of legally attributable loss.\n- **Statutory penalties**, selected by a court within the applicable range.\n- **Excess charges**, which the consumer is not obliged to pay and may recover if paid.\n- **Refund mechanics**, including restrictions on simply reducing the balance instead of paying a requested refund.\n- **Defenses and corrective action**.\n\nSubsection6 contains its own self-notification/correction sequence, including correction within forty-five days. Its “before written notice … or before action” wording is preserved without resolving competing hypothetical notice dates. Subsection7 separately requires proof that the violation was unintentional, a bona fide error, and occurred despite reasonably adapted procedures. **Chrysler** applies those elements to its particular record; it is not a universal collector safe harbor. [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf)\n\nFor the necessary remedy gateway only, §5201(1)(b) uses two years after the violation for specified open-end-credit violations and one year after the last scheduled due date for other covered transactions. Subsection3 has its own excess-charge trigger. These are freshly read remedy-specific provisions, **not a P08 limitation conclusion or a calculated deadline for anyone**. [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf)\n\n### Failure to notify alone is not the same claim as abusive collection\n\nThe **Taylor** opinion rejected the particular theory that failure to notify alone supplied the asserted private Chapter537 cause of action. It did not decide all exemption/preemption questions and does not eliminate the express §5201 route for §7103 misconduct. Because precedential publication was not verified, Taylor is used only as qualified, noncontrolling reasoning. The statute remains the primary basis for separating public notification enforcement from enumerated consumer remedies. [Iowa Judicial Branch+2](https://www.iowacourts.gov/moduledocuments/embed/23959/132043_D588DEFC36AA8.pdf)\n\n# E. Responsive case/version matrix\n\nThe following entries also serve as source-register groups **S015–S020**. All were freshly read October27,2026 PDT/UTC. No complete citator, later-treatment, or amendment-chain audit is claimed.\n\n| Source ID / opinion / full literal URL | Court, date, citation and status | Actual holding, posture, disposition and pinpoint | Read/version limits |\n| --- | --- | --- | --- |\n| **S_IA-P11-S015 — State ex rel. Miller v. National Farmers Organization** https://law.justia.com/cases/iowa/supreme-court/1979/62450-0.html | Iowa Supreme Court, May30,1979; **278 N.W.2d905**; published; McCormick majority. | State challenged collection of membership dues. Nonprofit identity was not a categorical collector exemption, but the transaction did not involve the necessary credit. Dismissal affirmed on the court’s stated ground. **Pp.906–907.** | Majority body read in disclosed Justia republication. Historical agricultural-purpose/dollar language is not current law. No PDF inspection claimed. |\n| **S_IA-P11-S016 — Degeneffe v. Home Pride Contractors, Inc.** https://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion | Iowa Supreme Court, No.23-1510; Jan24,2025, **amended April4,2025**; published official opinion; Oxley unanimous majority. Reporter citation not independently verified. | Payment due upon completion, late charges, and the presented grace-period evidence did not establish the required credit transaction. Consumer summary judgment reversed; remanded for judgment consistent with contractor’s position. **Printed pp.6–12/PDF indices5–11.** | Complete majority parsed; selected relevant page images inspected, including indices6,8–11. 2023 statutory application compared with freshly read 2026 definitions; not a comprehensive later-law audit. |\n| **S_IA-P11-S017 — Monahan Loan Service, Inc. v. Janssen** https://law.justia.com/cases/iowa/supreme-court/1984/83-836-0.html | Iowa Supreme Court, May16,1984; **349 N.W.2d752**; published; Carter majority. | Recognized the statutory consumer-remedy route for the particular collection violation and addressed penalty/cost/fee relief. **§I, pp.753–754; disposition/remedy discussion pp.757–758.** Reversed and remanded. | Relevant majority body read on Justia. Historical venue/security facts are not modern procedural instructions. Quoted underlying cases not counted as freshly read. |\n| **S_IA-P11-S018 — Chrysler Financial Co., LLC v. Bergstrom** https://caselaw.findlaw.com/court/ia-supreme-court/1216955.html | Iowa Supreme Court, Sept9,2005; **703 N.W.2d415**; published; Cady majority. | Applied §5201(7)’s bona-fide-error elements to the collector’s procedures and the particular county-address error. Court of Appeals decision vacated; district judgment affirmed. **Majority §§III–IV; displayed body lines85–130.** | Majority read in FindLaw republication. Dissent is not the holding. No present-day venue or general private-UTPA conclusion imported. |\n| **S_IA-P11-S019 — Iowa Supreme Court Commission on Unauthorized Practice of Law v. A-1 Associates, Ltd.** https://caselaw.findlaw.com/court/ia-supreme-court/1184921.html | Iowa Supreme Court, Mar21,2001; **623 N.W.2d803**; published; Neuman majority. | Examined purported assignments that preserved creditor benefit and functioned as collection-agency legal representation. UPL injunction affirmed. **Majority §II(C), displayed lines101–122**, with preceding facts. | Majority read in disclosed republication. Genuine-purchase discussion does not approve every corporate pro se action. Dissent not adopted. |\n| **S_IA-P11-S020 — Capital One Bank (USA), N.A. v. Taylor** https://www.iowacourts.gov/moduledocuments/embed/23959/132043_D588DEFC36AA8.pdf | Iowa Court of Appeals, No.13-2043, Nov25,2015; Miller, senior judge. **Precedential publication unverified; noncontrolling use only.** | Rejected the asserted private cause based solely on notification failure. **Printed pp.7–11/PDF indices6–10; footnote5 p.11** leaves specified exemption/preemption matters undecided. Affirmed. | Relevant notification majority body read; images inspected at indices0,1,8–10. Account-stated merits not used. Quoted federal authority not counted as a fresh read. |\n\nThese cases support different propositions. National Farmers and Degeneffe concern debt/credit coverage; Monahan and Chrysler concern the private-remedy gateway and defense; A-1 concerns legal-practice boundaries. Taylor is not treated as a binding substitute for the statutory text. [Justia Law+5](https://law.justia.com/cases/iowa/supreme-court/1979/62450-0.html)\n\n### Citation-rule qualification\n\nThe displayed December2025 compilation’s Rule6.904(2)(a)(2) permits unpublished decisions as persuasive reasoning, not controlling authority, and specifies docket/database citation and copy conditions where applicable. No database citation or publication designation was invented. Later amendments remain held. [Iowa Legislature](https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf)\n\n# F. Four bounded fictional models\n\nThese models contain **no actual consumer, provider, license, contract, or account**. Monetary amounts are USD, rounded to two decimals. Correct arithmetic does not establish coverage, title, fee entitlement, or an award.\n\n## M01 — Same obligation, three different collection actors\n\n### Shared stipulations\n\nPlain text\n```\nUnpaid contractual balance:                  $1,000.00\nPurpose:                                    Personal/household\nTransaction:                                Genuine covered consumer credit\nSecurity:                                   None\nSupervised-loan status:                      Stipulated not a supervised loan\nDischarge/release/identity dispute:           None assumed for this model\nAnnual collection total for agency/buyer:    $100,000.00\n```\n\n| Actor branch | Iowa consequence | Independent questions |\n| --- | --- | --- |\n| **A. Originating creditor** | Own-debt collection can fall under §7103. Creditor notification is separately analyzed. | Institutional exemption; actual fee/assignment facts; federal false-name/principal-purpose questions. |\n| **B. Third-party agency** | Collection conduct is covered; $100,000 exceeds both competing notification figures used in the sources. | Actual agency authority; no ownership inferred; federal regular-collection/means tests and exclusions. |\n| **C. Defaulted-debt purchaser** | Ownership does not remove Iowa collection coverage; assignee and collector notification categories must be tested. | Actual transfer, supervised-loan status, volume-fee base, federal principal-purpose/other status tests. |\n\nThe same $1,000 obligation does not become more valid, larger, or collectible merely because a different actor seeks it. No branch automatically establishes federal FDCPA status. **C001–C012, C019, C021, C028.**\n\n## M02 — Remote entity, general qualification, and government fees\n\n### Ordinary collector branch\n\nPlain text\n```\nEntity:                          One foreign LLC\nPrincipal office:                Outside Iowa\nIowa offices:                    None\nBusiness names used:             Three DBAs\nPrior-year total collections:    $100,000.00\nActivity assumed:                Collection only\n```\n\nSubject to actual Chapter537 applicability and exemptions:\n\nPlain text\n```\nAnnual notification fee:\n1 notifying person × $50.00 = $50.00\n\nPaper payment route:             $50.00\nOnline route described by AG:\n$50.00 + $1.00 convenience fee =  $51.00\n```\n\nThree DBAs do not create a verified three-times statutory fee. The filing identifies all business names and the required Iowa agent. Initial thirty-day and subsequent January31 requirements apply; no actual commencement calendar is supplied.\n\nThe foreign-LLC collection-only exception may mean this activity alone does not require foreign registration. Other activity can change that result. **No Secretary of State fee is invented.**\n\n### Separate assignee-volume branch\n\nAssume the same person independently qualifies as a notified assignee and holds qualifying Iowa obligations with a **$120,000 month-end balance in each of twelve months**:\n\nPlain text\n```\nSum of twelve month-end balances:\n12 × $120,000.00 = $1,440,000.00\n\nAverage unpaid balance:\n$1,440,000.00 / 12 = $120,000.00\n\nFirst $100,000 unit:                         $10.00\nResidual $20,000 exceeds $10,000:            $10.00\nAdditional volume fee:                      $20.00\n\nBase $50.00 + volume $20.00 =                $70.00\n```\n\nThis uses unpaid balances, **not the $100,000 cash-collection total**. The legal predicates for including each obligation remain stipulated. Borderline current-year collection totals remain subject to the unresolved threshold discrepancy. **C010–C020.**\n\n## M03 — Demanded collection cost and a separate client-money ledger\n\n### Demand\n\nPlain text\n```\nEstablished debt for model:                 $1,000.00\nAdditional demanded collection charge:        $100.00\nEvidence legally authorizing add-on:          Not supplied\n```\n\nThe demanded $100 is not added to the established model balance merely because the agency requests it. Section7103’s legal-entitlement and charge conditions must be satisfied.\n\n### Actual payment and separate commission\n\nAssume the consumer pays **$500**, all of it properly credited to the debt. Separately stipulate a lawful creditor-agency agreement paying the agency **20% of receipts from the creditor’s proceeds**, not as a consumer add-on.\n\nPlain text\n```\nConsumer payment received:                   $500.00\nConsumer debt credit:                        $500.00\nRemaining model debt:\n$1,000.00 − $500.00 =                         $500.00\n\nAgency commission from creditor proceeds:\n20% × $500.00 =                              $100.00\n\nNet amount remitted to creditor:\n$500.00 − $100.00 =                           $400.00\n```\n\nThe consumer’s debt falls by **$500**, not $400. The creditor’s $100 commission expense is not automatically a new consumer debt.\n\nThis model stipulates completed remittance and no pending transfer, reversal, interest, or other charge. It does not establish a statutory trust account, remittance deadline, lawful commission agreement, or actual money-transmission exemption. If the commission premise is unproved, the subtraction remains arithmetic only. **C026–C032.**\n\n## M04 — Complaint, private recovery, and public enforcement\n\n### Branch A: proven collection violation\n\nAssume an eligible consumer proves a §7103 violation, **$250 actual damages**, a timely nonclass action, and no applicable defense.\n\nPlain text\n```\nActual damages:                              $250.00\nStatutory penalty range:                     $100.00–$1,000.00\n\nIllustrative combined range:\n$250.00 + $100.00 =                           $350.00\n$250.00 + $1,000.00 =                       $1,250.00\n```\n\nThe court selects the penalty. This is not a per-call formula. Recoverable costs and attorney fees require the statutory finding and reasonable amount.\n\n### Branch B: distinct excess-charge claim\n\nInstead, assume a legally established **$80 paid excess charge**, the applicable §5201(3) conditions, and a timely nonclass claim:\n\nPlain text\n```\nExcess/refund:                                $80.00\nPenalty range:                              $200.00–$2,000.00\nIllustrative range:                         $280.00–$2,080.00\n```\n\nThis branch is not automatically added to Branch A for the same harm. Actual overlap and remedy rules require separate analysis.\n\n### Branch C: public notification enforcement\n\nAssume one legally required **$50 fee** remains unpaid and the AG proves §6113(3)’s conditions:\n\nPlain text\n```\nThree times unpaid fee:\n3 × $50.00 =                                $150.00\n\nPenalty ceiling:\ngreater of $150.00 or $1,000.00 =          $1,000.00\n\nUnpaid fee + maximum penalty comparison:\n$50.00 + $1,000.00 =                      $1,050.00\n```\n\nSeven-percent annual interest and reasonable enforcement costs are separate; no elapsed-time amount is calculated. The public penalty is not paid automatically to the complainant. The separate up-to-$10,000 repeated-intentional-violation provision also requires its own proof and is not stacked here.\n\n**Merely submitting a complaint produces none of these awards. C036–C046.**\n\n# G. Sixteen shorter fictional postures\n\n| Posture / stage | Source-claim rule | Required missing fact | Conditional consequence / next question |\n| --- | --- | --- | --- |\n| **P01 Own creditor** | C003, C009 | Qualifying debt and institutional status | State conduct coverage may apply despite no third-party agency. Which notification branch applies? |\n| **P02 Debt purchaser** | C007, C019, C028 | Actual assignment and principal business | Ownership label does not settle federal status or account entitlement. |\n| **P03 Third-party agency** | C008–C011 | Annual totals and Iowa conduct | Notification may apply; borderline threshold requires reconciliation. |\n| **P04 Affiliate employee** | C003, C007, C012 | Employer/affiliate relationship and statutory conditions | No universal Iowa exemption; federal exclusions differ. |\n| **P05 Attorney label** | C006, C030–C031 | Actual admission and capacity | A company name containing “legal” is not law-practice authority. |\n| **P06 Business-purpose purchase** | C001–C004 | Actual predominant purpose and entity | Ordinary consumer protection may not apply; no commercial-regime conclusion. |\n| **P07 Remote collector** | C005, C014, C020 | Activities beyond collection and Iowa contacts | No Iowa office is not automatic notification exemption or corporate-registration duty. |\n| **P08 Unverifiable assignment** | C028–C029 | Adequate notice, requested proof, litigation evidence | Registration does not prove ownership; statutory payment/proof branches matter. |\n| **P09 False official authority** | C024–C025 | Exact representation and debt coverage | A claim of state approval or bonding can be misleading; no actual security inferred. |\n| **P10 Unapproved collection cost** | C026–C027 | Contract, legal authorization, acts performed | Charge cannot be justified solely by agency policy. |\n| **P11 Held client money** | C032 | Lawyer/nonlawyer capacity, contract, actual receipt | Lawyer trust duties may apply; no universal nonlawyer remittance period established. |\n| **P12 Wrong complaint agency** | C033, C046–C047 | Charter, professional status, conduct | Routing can change; filing a complaint does not stay a lawsuit. |\n| **P13 Supervised loan** | C021–C022 | Rate category and statutory authorization | Direct collection may require specialized authority; notification alone insufficient. |\n| **P14 Utility/government account** | C004 | Exact provider, tariff, benefit and statutory exception | Ordinary model cannot be applied from the bill’s label. |\n| **P15 Local/tribal activity** | C005, C049 | Jurisdiction, tribal status, local ordinance | State notification research is not local/tribal clearance. |\n| **P16 Low-volume collector** | C010–C011 | Prior/current totals and correct threshold interpretation | Low volume may affect notification, not necessarily conduct coverage. |\n\n# H. Source register — non-case sources\n\n**Access convention:** All entries below were freshly accessed October27,2026 PDT/UTC. Exact individual fetch times are not assigned. “Printed page/index” uses zero-based PDF indices. Source groups S001–S005 are different selected portions of the same Chapter537—not independent corroboration.\n\n| Source ID | Issuer/title and full literal HTTPS URLs | Exact bodies, pages, version and read limits |\n| --- | --- | --- |\n| **S_IA-P11-S001** | Iowa Legislature, **2026 Code—territory, definitions, exclusions**. https://www.legis.iowa.gov/docs/code/2026/537.html https://www.legis.iowa.gov/docs/code/2026/537.1201.pdf https://www.legis.iowa.gov/docs/code/2026/537.1202.pdf https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf | Complete §§1201,1202,7102; relevant §1301 definitions11–18,33,35,45–47. §1201 pp.1–2/indices0–1; §1301 pp.1–3,5–6/indices0–2,4–5; other sections p.1/index0. Section footers Dec12,2025. Relevant pages visually inspected except no claim of every definition page. No whole chapter or later-law audit. |\n| **S_IA-P11-S002** | Iowa Legislature, **conduct, charges and proof gateways**. https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf https://www.legis.iowa.gov/docs/code/2026/537.2507.pdf https://www.legis.iowa.gov/docs/code/2026/537.3402.pdf https://www.legis.iowa.gov/docs/code/2026/537.3204.pdf https://www.legis.iowa.gov/docs/code/2026/537.5114.pdf | Complete selected section bodies; principal reliance §7103(4)–(5), pp.1–3/indices0–2. Remaining PDFs p.1/index0. Actual pages inspected. No full communications/default/merits report. |\n| **S_IA-P11-S003** | Iowa Legislature, **notification and fees**. https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf https://www.legis.iowa.gov/docs/code/2026/537.6202.pdf https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf | Complete sections, each printed p.1/index0; visually inspected. Official2026 compilation, Dec12,2025 footers. Threshold conflict expressly preserved. |\n| **S_IA-P11-S004** | Iowa Legislature, **consumer rights/remedies**. https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf | Complete §5201, printed pp.1–2/indices0–1, both inspected. Particular subsection predicates, exclusions, correction/defense and periods retained. No actual damages or deadline determination. |\n| **S_IA-P11-S005** | Iowa Legislature, **administration, enforcement and criminal gateway**. https://www.legis.iowa.gov/docs/code/2026/537.6102.pdf https://www.legis.iowa.gov/docs/code/2026/537.6103.pdf https://www.legis.iowa.gov/docs/code/2026/537.6105.pdf https://www.legis.iowa.gov/docs/code/2026/537.6106.pdf https://www.legis.iowa.gov/docs/code/2026/537.6108.pdf https://www.legis.iowa.gov/docs/code/2026/537.6109.pdf https://www.legis.iowa.gov/docs/code/2026/537.6110.pdf https://www.legis.iowa.gov/docs/code/2026/537.6112.pdf https://www.legis.iowa.gov/docs/code/2026/537.6113.pdf https://www.legis.iowa.gov/docs/code/2026/537.5301.pdf | Complete selected bodies; each p.1/index0. Actual page images inspected except §6112 read in parsed text only. No complete enforcement chapter or case-specific order review. |\n| **S_IA-P11-S006** | Iowa Legislature/AG, **61 IAC Chapter22 and adopted amendments**. https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=61 https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf https://rules.iowa.gov/Notice/Details/3629C https://rules.iowa.gov/Notice/Details/4969C | Official index dated Oct14,2026. Complete Chapter22 printed pp.1–3/PDF indices86–88 read and inspected; not entire135-page agency PDF. Chapter footer IAC2/5/25. Complete relevant final-adoption bodies read: effective Mar21,2018 and Apr15,2020. Old threshold/reference language and future rescission notation preserved; no full later-order audit. |\n| **S_IA-P11-S007** | Iowa AG, **notification, FAQ and creditor/assignee instructions**. https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/faq-for-debt-collectors-and-creditorsassignees https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/creditorsassignee-notification | Relevant complete operational bodies read: notification lines75–215; FAQ and creditor sections. Current displayed instructions, not enactments. No registration list or actual entity record opened. Threshold and fee-boundary conflicts not silently harmonized. |\n| **S_IA-P11-S008** | Iowa AG, **blank debt-collector notification form**. https://www.iowaattorneygeneral.gov/media/cms/2025_Debt_Collector_ICCC_form_filla_8AFB0FC2290F3.pdf | Updated8-2025; two unnumbered pages/indices0–1 fully read and visually inspected. Identity/DBA/office/agent/contact/signature/fee fields only. No form entry, signature, submission or approval. |\n| **S_IA-P11-S009** | CFPB, **Regulation Z §1026.3 and official interpretation**. https://www.consumerfinance.gov/rules-policy/regulations/1026/3/ | §3(b) and official comment3(b)-3, item **xvii**, confirming2026 $73,400 amount. Operative text/interpretation used, not a withdrawn advisory guide. No CPI calculation or complete final-adjustment-rule history. |\n| **S_IA-P11-S010** | Iowa Legislature, **foreign entity activity exceptions**. https://www.legis.iowa.gov/docs/code/2026/490.1505.pdf https://www.legis.iowa.gov/docs/code/2026/489.905.pdf | Complete sections, especially (1)(g)–(h) and (2); p.1/index0 each, inspected. No general foreign-registration application/fee or DBA audit. |\n| **S_IA-P11-S011** | Iowa Legislature, **supervised-loan authority and investigation/security definitions**. https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf https://www.legis.iowa.gov/docs/code/2026/80A.1.pdf | Complete §2301(1)–(5), p.1/index0; §80A.1(9),(12), p.1/index0, inspected. Chapter80A footer Dec10,2025. No complete Chapters536/536A/80A licensing/security package. |\n| **S_IA-P11-S012** | U.S. House OLRC, **15 USC1692a**. https://uscode.house.gov/us/usc/119-118/t15/s1692a/ | Definitions(3)–(6), including exclusions(A)–(F), read. Federal actor/debt boundary only. An older OLRC view-route failed; this materially different official route succeeded. No full FDCPA regulation/guidance review. |\n| **S_IA-P11-S013** | Iowa Judicial Branch/Legislature, **professional duties and public complaint routes**. https://www.legis.iowa.gov/docs/publications/ICRC/32.pdf https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf https://www.iowacourts.gov/opr/attorneys/attorney-discipline/complaint-against-a-lawyer https://www.iowacourts.gov/opr/about-opr/attorney-disciplinary-board https://www.iowacourts.gov/opr/about-opr/commission-on-unauthorized-practice-of-law https://www.iowacourts.gov/opr/upl | Displayed professional compilation Dec2020. Rule32:1.15(a)–(f), printed p.42/index43;32:5.5(a)–(e), pp.68–69/indices69–70, inspected. Generic complaint-page bodies read. Chapter45 and complete later amendments not reviewed. Current Chapter38 PDF routes failed; no historical substitute silently promoted. |\n| **S_IA-P11-S014** | Iowa AG, **consumer complaint instructions**. https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint | Generic intake, documentation, agency-role/routing statements read. No form submission, actual complaint, records request or individualized route selected. |\n| **S_IA-P11-S021** | Iowa Legislature/Judicial Branch, **Appellate Procedure Rules**. https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf | Displayed Dec2025 compilation; Rule6.904(2)(a)(2), printed p.26/PDF index29, complete clause read and page inspected. Later amendments held; used only for the qualified Taylor reference. |\n\n**S015–S020 are fully identified in the case matrix above.** Their URLs, pinpoint/read bounds, dates, publication qualifications, and dispositions are part of this same 21-group register.\n\n# I. Atomic claim register — S_IA-P11-C001–C050\n\nConfidence refers to the identified proposition, not compliance of an unidentified business.\n\n| Claim ID | Precise proposition | Source/pinpoint | Predicates, consequence, confidence and exact gap |\n| --- | --- | --- | --- |\n| **C001** | Article7 debt is the actual/alleged obligation within §7102’s specified transaction categories. | S001 §537.7102(3). | High text; actual transaction classification absent. |\n| **C002** | Late payment or late charges do not alone establish a grant of credit. | S001 §1301(16); S016 pp.6–12. | High narrow holding; other expanded debt categories still matter. |\n| **C003** | Iowa collector definition includes self, employer and third-party collection. | S001 §7102(4)–(5). | High; qualifying debt and conduct required. |\n| **C004** | Purpose/entity/transaction exclusions must be applied separately. | S001 §§1202,1301(11)–(16),(33),(35). | High text; special-sector/public facts unverified. |\n| **C005** | Remote activity is subject to §1201’s actual territorial and transaction rules. | S001 §1201. | Conditional; residence, conduct and origin absent. |\n| **C006** | Attorney/nonprofit labels are not categorical Iowa collection exemptions. | S001 §7102; S015 pp.906–907. | High boundary; other actual exemptions remain possible. |\n| **C007** | Federal FDCPA actor exclusions differ from Iowa’s definition. | S012 §1692a(3)–(6). | High text; no actual federal status determination. |\n| **C008** | Ordinary Chapter537 collector access is notification, not a general collector license. | S003 §§6201–03; S007. | High within ordinary regime; specialized authority separate. |\n| **C009** | Creditor notification is separately governed by §6201(1). | S003 §6201(1); S007 creditor page. | High; does not import collector volume threshold. |\n| **C010** | Collector statute uses prior-year threshold amount and current-year $25,000 alternative. | S003 §6201(2). | High compiled text; later-law audit incomplete. |\n| **C011** | Rule, statute and AG instructions differ on threshold application;2026 federal indexed amount is$73,400. | S001 §1301(47); S00622.2; S007; S009. | High discrepancy finding; reconciliation unresolved. |\n| **C012** | Notification exceptions identify authorized persons under524,533,536,536A. | S003 §6201(1)–(2). | High; no general conduct exemption/preemption conclusion. |\n| **C013** | Initial notification is within30days; annual filing/payment byJan31. | S003 §§6202(1),6203(1). | High; actual commencement and applicability absent. |\n| **C014** | Notification includes names, addresses, Iowa offices/activity and prescribed agent information. | S003 §6202(1)(a)–(g); S008. | High; no actual form or agent checked. |\n| **C015** | Statutory annual-update timing differs from AG’s requested written updates; transfer authority remains unestablished. | S003 §6202(2); S007FAQ. | High distinction; actual change/cessation facts absent. |\n| **C016** | Base fee is$50 annually per notifying person. | S003 §6203(1). | High; no perbranch/DBA multiplier established. |\n| **C017** | Additional seller/lender/assignee fee uses prescribed average unpaid balances, not receipts. | S003 §6203(2)–(3). | High; balance inclusion and residual-unit facts required. |\n| **C018** | Late charge may be imposed up to$75 after fees remain unpaid30days beyond due date. | S003 §6203(4); S00622.6. | High; not consumer damages or automatic award. |\n| **C019** | No ordinary collection-specific bond/trust security was established in the reviewed notification authorities. | S003; S006ch22; S008. | Bounded negative finding; specialized/local law open. |\n| **C020** | Specified debt collection/acquisition activity alone is excluded from foreign-registration “transacting business.” | S010 §§490.1505,489.905. | High; other activity, service and taxation preserved. |\n| **C021** | Direct supervised-loan collection/enforcement can require §2301 authorization. | S011 §537.2301(2),(4). | High; prompt-application window and remote exception conditional. |\n| **C022** | §2301(3)’s voidness language addresses a supervised loan unlawfully made, not every unauthorized collection act. | S011 §537.2301(3). | High textual distinction; actual loan history absent. |\n| **C023** | Debt collection’s private-security exclusion does not resolve separate private-investigation activity. | S011 §80A.1(9),(12); S007FAQ. | High boundary; full80A regime held. |\n| **C024** | Identity/disclosure duties have paragraph-specific exceptions, not a whole-article exemption. | S002 §7103(4)(a)–(d). | High; exact communication and actor required. |\n| **C025** | False legal status, amount, government endorsement/bonding and process representations are prohibited. | S002 §7103(4)(e)–(i). | High; actual representation and coverage unproved. |\n| **C026** | Consumer collection charges require the statutory legal-entitlement and service/agreement predicates. | S002 §7103(5)(c)–(d). | High; no charge entitlement from agency policy. |\n| **C027** | Attorney-fee/default-charge limits constrain contract clauses. | S002 §§2507,3402. | High; land-secured/lease/security exceptions retained. |\n| **C028** | Assignment notice and requested proof affect the debtor’s payment route. | S002 §3204. | High; no title/admissibility adjudication. |\n| **C029** | Consumer-credit default judgment requires statutory allegation/proof conditions. | S002 §5114. | High gateway; no general default/service report. |\n| **C030** | A disguised collection assignment does not itself authorize nonlawyer legal representation. | S019 majority§II(C). | High narrow holding; actual assignment absent. |\n| **C031** | Lawyer/out-of-state practice requires compliance with professional authority rules. | S013 rule32:5.5. | Conditional; retrieved Dec2020 compilation, later audit held. |\n| **C032** | Lawyer-held client/third-party funds trigger professional segregation/delivery/accounting duties. | S013 rule32:1.15. | Conditional; capacity and fullchapter45 issues held. |\n| **C033** | AG and supervisory authorities have allocated investigation/administration roles. | S005 §§6103,6105,6106. | High; actual charter and proceeding absent. |\n| **C034** | Cease-and-desist/assurance procedures have distinct conditions; assurance escrow is not universal security. | S005 §§6108–09. | High; no actual order or assurance. |\n| **C035** | Court injunction and related relief require the statutory judicial route. | S005 §§6110,6112. | High gateway; merits and procedure excluded. |\n| **C036** | AG may, after demand, recover expressly authorized consumer money under§6113(1), excluding penalties. | S005 §6113(1). | High; precedence/defenses retained; actual entitlement absent. |\n| **C037** | Repeated intentional violations support a court penalty up to$10,000 under stated exclusions. | S005 §6113(2). | High; no automatic perviolation multiplier. |\n| **C038** | Notification enforcement formula is unpaidfees+7%interest+costs and capped court penalty. | S005 §6113(3). | High; greater-of3×fees/$1,000 ceiling, not automatic consumer recovery. |\n| **C039** | Criminal consequences depend on§5301’s actual actor, knowledge and willfulness conditions. | S005 §5301(1)–(4). | High; not every filing lapse is automatically criminal. |\n| **C040** | Eligible consumer may seek actualdamages and nonclass$100–$1,000 penalty for enumerated violations. | S004 §5201(1)(a), especially(25). | High; lessee exclusion, defenses and judicial finding apply. |\n| **C041** | Excess-charge/refund remedies and$200–$2,000 penalty have separate predicates. | S004 §5201(2)–(3). | High; demand/refund timing and no-double-recovery issues remain. |\n| **C042** | Correction and bona-fide-error defenses are distinct and conditional. | S004 §5201(6)–(7); S018§III. | High; no universal safe harbor. |\n| **C043** | §5201(8) awards reasonable consumer costs/attorneyfees after a violation finding. | S004 §5201(8). | High; time-based reasonableness, not percent recovery. |\n| **C044** | Private remedy periods depend on subsection and open-end/other transaction classification. | S004 §5201(1)(b),(3). | High text; no actual deadline calculated or P08 reliance. |\n| **C045** | Notification-only private claim is distinct from an express collection-conduct claim. | S004 §5201(1); S005§6113(3); S020pp.7–11. | Statute primary; Taylor noncontrolling-qualified. |\n| **C046** | AG complaint is an administrative intake route, not adjudication, stay or guaranteed refund. | S014; S005. | High role distinction; no actual complaint. |\n| **C047** | Lawyer-discipline/UPL complaint routes do not themselves award private damages. | S013genericpages; S019. | Detailed currentchapter38 procedure unavailable. |\n| **C048** | Five Supreme Court cases are published; Taylor publication is unverified and its use limited. | S015–S021. | No complete citator/laterdesignation audit. |\n| **C049** | Currentness is bounded by retrieved compilations, selected finalorders and unresolved threshold/professional-rule gaps. | S001–S013 versionrecords. | Confirmed limitation; no wholelaterlaw certification. |\n| **C050** | No actual actor, license, notification, debt, account, payment, authority, charge or award was verified. | Research scope. | No operational, balance, coverage or acceptance conclusion. |\n\n# J. Complete A–F coverage and gap reconciliation\n\n| Coverage | Status | Claims | Exact remaining evidence / next investigation |\n| --- | --- | --- | --- |\n| **CV01 Debt definition** | Answered at statutory level | C001 | Actual transaction and asserted obligation. |\n| **CV02 Credit-right boundary** | Answered with case context | C002 | Actual payment/deferment terms and regularity. |\n| **CV03 Consumer/business purpose and entity** | Partial | C004 | Actual borrower, organization and use of proceeds. |\n| **CV04 Actual/alleged debt versus validity** | Answered as distinction | C001,C050 | Contract, identity, balance and defenses remain merits work. |\n| **CV05 Original creditor** | Answered conditionally | C003,C009 | Applicable transaction and exemption. |\n| **CV06 Third-party agency** | Answered conditionally | C003,C008 | Activity, totals and specialized status. |\n| **CV07 Debt buyer/assignee** | Partial | C007,C017,C028 | Assignment, principal business, loan category. |\n| **CV08 Servicer** | Partial | C003,C007 | Default timing, role, charter and specialized law. |\n| **CV09 Employee/affiliate** | Partial | C003,C007,C012 | Actual relationship and exclusion predicates. |\n| **CV10 Attorney/nonprofit/intermediary** | Partial | C006,C030–C032 | Admission, transaction, capacity and actual activities. |\n| **CV11 Government/special exclusions** | Partial | C004 | Exact public/regulated transaction and law. |\n| **CV12 Residency/remote territory** | Partial | C005 | Actual communications, origin and Iowa conduct. |\n| **CV13 Ordinary notification versus license** | Answered narrowly | C008 | Specialized and local regimes remain. |\n| **CV14 Threshold/application conflict** | Unresolved reconciliation | C010–C011 | Authoritative correction or controlling interpretation of three versions. |\n| **CV15 Institutional notification exemptions** | Answered conditionally | C012 | Actual authority under named chapters; preemption separate. |\n| **CV16 Administrator and supervisory allocation** | Answered generally | C033 | Actual institution and jurisdiction. |\n| **CV17 Initial and annual timing** | Answered | C013 | Actual commencement and filing facts. |\n| **CV18 DBA/office/agent fields** | Answered as filing requirements | C014 | Actual form, names and agent; general DBA law open. |\n| **CV19 Changes/cessation/transfer** | Partial | C015 | Actual change, successor facts and governing general law. |\n| **CV20 Foreign corporate/LLC qualification** | Answered only for listed activity exception | C020 | Other activities, tax, service and entity type. |\n| **CV21 Base and volume fees** | Answered conditionally | C016–C017 | Correct actor, balances and statutory-unit application. |\n| **CV22 Late/convenience charges** | Answered with source distinction | C018 | Actual due date; convenience fee is operational, not statute. |\n| **CV23 Ordinary collection bond/security** | No requirement established in selected regime | C019 | Other applicable sector/local/professional requirements. |\n| **CV24 Supervised-loan authority** | Partial specialized gateway | C021–C022 | Rate classification, authority and Chapters536/536A package. |\n| **CV25 Private investigation/skip tracing** | Partial | C023 | Actual investigative services and full80A regime. |\n| **CV26 Identity/authority representations** | Answered narrowly | C024–C025 | Actual statement, actor and communication stage. |\n| **CV27 Collection charges/pass-through costs** | Answered as entitlement predicates | C026 | Actual agreement, acts and lawful charge basis. |\n| **CV28 Attorney/default fees** | Answered with exceptions | C027 | Transaction/security/lease facts; full rate analysis excluded. |\n| **CV29 Assignment notice/proof** | Answered gateway | C028 | Actual notice/request/proof; full validation and chain evidence later. |\n| **CV30 Litigation entitlement** | Answered gateway only | C029 | Actual sworn evidence, title and amount; general court work later. |\n| **CV31 UPL boundary** | Answered by statute/rule/case context | C030–C031 | Actual representation/assignment and current procedural rules. |\n| **CV32 Lawyer client money** | Partial | C032 | Actual capacity, records and fullchapter45/later-rule review. |\n| **CV33 Nonlawyer client funds** | Unresolved general regime | C019,C032 | Agency agreement, fiduciary/payment/transmission law and actual flows. |\n| **CV34 AG complaint pathway** | Answered procedurally | C046 | Actual complaint not supplied or submitted. |\n| **CV35 Financial/professional routing** | Partial | C033,C047 | Actor charter/admission and precise regulator. |\n| **CV36 Investigation powers/confidentiality** | Answered selected gateway | C033 | Actual statutory grounds and proceeding. |\n| **CV37 Administrative order/assurance** | Answered conditionally | C034 | Notice/hearing or actual written assurance. |\n| **CV38 Injunction and court relief** | Answered gateway | C035 | Actual action, proof and order. |\n| **CV39 Public repeated-intentional penalty** | Answered conditions/unit | C037 | Repetition, intent, period and exclusions. |\n| **CV40 Notification enforcement formula** | Answered conditions/unit | C038 | Actual unpaid fees, elapsed interest and court decision. |\n| **CV41 AG consumer-money recovery** | Answered conditionally | C036 | Demand, expressly recoverable money, defenses and action precedence. |\n| **CV42 Private collection-conduct action** | Answered conditionally | C040 | Eligible consumer, violation, actual loss and timely action. |\n| **CV43 Excess-charge/refund action** | Answered conditionally | C041 | Charge entitlement, payment/demand, refund timing and overlap. |\n| **CV44 Correction/error defenses and fees** | Answered conditionally | C042–C043 | Actual procedures, intent, notice, correction and reasonable fees. |\n| **CV45 Remedy-specific time provisions** | Answered text only | C044 | Actual transaction and trigger; no general limitation rerun. |\n| **CV46 Notification-only private theory** | Partial, qualified case use | C045 | Any other cause of action and controlling authority; no universal no-private-right conclusion. |\n| **CV47 Criminal gateway** | Answered narrowly | C039 | Actual actor, knowing/willful conduct and prosecutor/court process. |\n| **CV48 Published cases** | Answered with scope limits | C048 | Full later-treatment/citator review not done. |\n| **CV49 Unpublished/citation qualification** | Answered for retrieved rule | C048 | Taylor designation and later rule changes unverified. |\n| **CV50 Statute/rule/form version chain** | Partial | C049 | Complete post-compilation acts, rule amendments and professional-rule audit. |\n| **CV51 Four models** | Completed conditionally | Relevant claims | Fictional predicates do not establish real compliance. |\n| **CV52 Sixteen postures** | Completed as issue tests | Relevant claims | Actual facts remain absent. |\n| **CV53 Full communications/validation/reporting/usury** | Excluded | C007,C024–C029 | Separate required components; only necessary boundaries checked. |\n| **CV54 Full merits/court/limitations/garnishment/property** | Excluded | C029,C044 | Separate required work; P08 not a premise. |\n| **CV55 Local/tribal/sector/international** | Excluded except identified gateways | C004–C005,C021,C023 | Specific jurisdiction, sector and authority needed. |\n| **CV56 Actual status and acceptance** | Unresolved | C050 | No actor/account evidence; no operational/state/parent approval. |\n\n# K. Contribution crosswalk and researcher self-check\n\n## K1. Contribution to the authorized remainder\n\n| Authorized remainder | What PASS-11 contributes | What remains open |\n| --- | --- | --- |\n| Reviewed P01 broad collection hold | Actual Iowa actor/debt definitions, notification framework, threshold discrepancy, specialized-loan exception and narrow authority boundaries. | No full collector compliance or actual-entity authorization. |\n| Parent category2: collection licensing/original creditor versus third party | Statutory and case-based distinctions, entity-specific exemptions, public filing requirements, fees and bounded security finding. | Actual records, specialized licensing packages, local/tribal and charter/preemption questions. |\n| Parent category2: prohibited conduct and consumer procedure | Selected identity/authority/charge rules, public and private remedy gateways, complaint routes. | Full communication, validation, reporting, payment-allocation, merits and litigation components. |\n| Other reviewed/unreviewed passes | Their status and holds preserved. | No provider, funds, agreement, bond or limitation conclusion accepted by implication. |\n\nThe crosswalk does not add coverage rows or establish acceptance.\n\n## K2. Actual reads and source limitations\n\nFresh work included:\n\n- The complete selected Chapter537 bodies identified in S001–S005 and S011.\n- Complete compiled Chapter22, plus the two identified final adoption notices.\n- The current AG generic instructions and two-page blank collector form.\n- The actual federal definition and 2026 Regulation Z threshold interpretation.\n- Selected foreign-entity, professional-rule and public complaint materials.\n- The six majority opinion bodies within the stated read bounds.\n\nThe PDF page-inspection claims are confined to pages specifically identified in the source and case registers. No whole-agency, whole-code, full professional-rules, complete session-law, or full citator review is claimed.\n\n### Failed routes and nonrelied material\n\nThe legacy OLRC view route for §1692a failed; the separately identified official section route succeeded.\n\nBoth attempted current Chapter38 PDF routes failed:\n\n- https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/38.pdf\n- https://www.legis.iowa.gov/docs/publications/ICRC/38.pdf\n\nThe public professional-regulation pages remained readable. Older Chapter38 search results were not promoted into current operative rules. A page-index error while requesting a nonexistent second page of §80A.1 was corrected to its actual one-page document; it was not treated as missing law.\n\nThe AG informal-opinion index was inspected as discovery, but no responsive formal interpretation resolving the threshold discrepancy was authenticated. No collector registration list, real provider record, actual complaint, or licensing file was opened.\n\n## K3. Remaining currentness and interpretation holds\n\nThe most consequential unresolved issues are:\n\n1. **The notification threshold conflict:** statute, compiled rule and current AG instructions do not use the same current-year test.\n2. **The transaction-date indexed definition:** its application to an annual aggregate requires authoritative clarification.\n3. **Specialized supervised-loan authority:** applicability is established as a gateway, but the full Chapters536/536A package is not.\n4. **Professional-rule currency:** the retrieved Chapter32 compilation displays December2020; detailed current Chapter38 procedure was not recovered.\n5. **Ordinary nonlawyer client-money duties:** no general trust/remittance/security regime was established in the limited notification sources.\n6. **Actual private/public recovery:** no violation, loss, charge, defense, entitlement, deadline, or award was proved.\n7. **Complete later-law and case treatment:** selected primary bodies and final rules were checked, not every enactment, amendment, designation, or negative treatment.\n\nNo ambiguity was resolved by borrowing an unrelated Chapter533A bond, Chapter533C account rule, provider license, or an unreviewed prior report.\n\n## K4. Actions not taken\n\nNo real borrower, creditor, provider, DBA, attorney, account, assignment, property, license, docket, complaint, judgment, or payment was queried. Published opinions were read as legal authorities, not investigated as private case records.\n\nNo filing, form submission, signature, contact, purchase, account access, record request, browser control, local artifact, hash check, site change, or publication occurred. No unseen model/mode verification or independent review is claimed.\n\n**Disposition:** This pass establishes a supported, conditional gateway for Iowa collection actors and notification, identifies a material unresolved threshold conflict, and separates public enforcement from private recovery. It does not establish a legitimate balance, authorized charge, licensed or notified entity, collectible debt, security recovery, operational permission, full component acceptance, Iowa acceptance, parent acceptance, A066 acceptance, or publication readiness.\n\nEND S_IA PASS-11\n\n","tables":[{"headers":["Element","Verified statutory meaning or boundary","Consequence"],"index":0,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Element","Verified statutory meaning or boundary","Consequence"],["Creditor","Person to whom the debtor is directly or indirectly obligated.","An assignee or owner may be a creditor, but ownership still must be established."],["Debt","Actual or alleged obligation arising from the listed consumer-credit, rental-purchase, expanded hypothetical-transaction, check, and Chapter 533D categories.","“Alleged” does not validate a nonexistent balance; it permits conduct regulation concerning an asserted obligation."],["Debt collection","Soliciting debts for collection, collecting, or attempting collection.","Conduct can be covered before money is received or litigation begins."],["Debt collector","Person acting directly or indirectly for self, employer, or others; also specified sellers of collection-system forms.","Original-creditor status is not a general Iowa conduct exemption."],["Debtor","Person obligated for article 7 purposes.","Identity and obligation remain factual questions."]]},{"headers":["Actor and conduct","Iowa conduct coverage","Notification or other access question","Missing facts preventing actual classification"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor and conduct","Iowa conduct coverage","Notification or other access question","Missing facts preventing actual classification"],["Original creditor collecting its own covered debt","Included in §537.7102’s self-collection language.","Creditor notification under §537.6201(1) is separate from collector notification. Statutory institutional exclusions may apply.","Qualifying transaction, authority, exemption, actual conduct."],["Third-party collection agency","Included when directly or indirectly collecting covered debt.","Collector notification threshold and territorial conditions; supervised-loan authority if applicable.","Debt type, annual totals, role, loan status, exemption."],["Purchaser of defaulted debt","Ownership does not remove state collection-conduct coverage.","May be creditor/assignee and collector; applicable notification and volume-fee categories require classification.","Actual assignment, nature of portfolio, collection activity, supervised-loan status."],["Servicer collecting before default","Iowa’s definition does not contain a universal pre-default-servicer exclusion.","Creditor/collector and specialized servicing law must be examined.","Contractual role, ownership, debt and charter status."],["Servicer obtaining accounts after default","Potentially covered on the same activity basis.","No automatic license or exemption follows from “servicer.”","Acquisition timing, actual authority, relevant specialized regime."],["Employee collecting employer’s covered debt","Employer collection is expressly included.","Entity filing and employee role are separate; do not invent a separate employee notification fee.","Employment, business name used, scope of conduct."],["Affiliate collecting related entities’ debts","No blanket Iowa affiliate exemption was established.","Actual entity and statutory institutional provisions matter.","Ownership, activities, charter authority, principal business."],["Attorney or law firm","The label does not remove covered collection conduct.","Notification may apply; professional admission and legal-practice rules are separate.","Actual admission, capacity, activity, threshold and exemption."],["Nonprofit organization","No categorical nonprofit exemption in §537.7102.","Actual transaction and notification conditions remain necessary.","Whether credit was granted; charitable/counseling activity and compensation."],["Debt-management intermediary","Chapter 533A status alone does not decide whether its separate conduct is debt collection.","Must classify each activity; no collector authority imported from a debt-management license.","Whose debts are pursued, whom it represents, money and communication roles."],["Seller of purported collection-system forms","Expressly included in §537.7102(5)’s specified circumstances.","Notification and other obligations remain fact-dependent.","What the forms represent and intended use."],["Government or regulated institution","No universal conclusion from public or institutional identity alone.","Chapter exclusions, notification exemptions, supervisory allocation, federal law may differ.","Exact entity, authority, transaction, conduct and capacity."]]},{"headers":["Source","Actual displayed rule","Status and permissible use"],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Source","Actual displayed rule","Status and permissible use"],["2026 Code §537.6201(2)","Preceding-year total exceeds the defined “threshold amount”; if not, current-year total exceeds $25,000.","Controlling compiled statutory wording, subject to later-law audit."],["§537.1301(47)","Defines the threshold by reference to 12 CFR1026.3(b) as in effect when the transaction is entered.","Raises an application question when used for an aggregate collection threshold."],["Compiled 61—22.2","Still uses $25,000 for both years and retains other outdated references.","Official compiled rule text, but not a basis to overwrite the statute."],["Current AG notification page","Uses $73,400 for either preceding or current year, aggregated from all sources rather than Iowa accounts alone.","Current operational instruction, not a statutory amendment."],["Official Regulation Z interpretation","Confirms $73,400 for January1–December31,2026.","Establishes the federal indexed amount; does not resolve Iowa’s separate current-year wording."]]},{"headers":["Item","Verified requirement","Qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Verified requirement","Qualification"],["Administrator","Iowa Attorney General under §537.6103.","Supervisory responsibilities for regulated institutions are separately allocated."],["Initial filing","Within thirty days after commencing business under §537.6202.","Actual applicability and commencement facts required."],["Annual filing/payment","By January31 of succeeding years.","Notification renewal is not a license or debt renewal."],["Identity","Legal name and all names under which business is conducted.","DBA disclosure does not establish separate assumed-name compliance."],["Locations","Main office, relevant Iowa offices, and prescribed remote/out-of-state information.","Not proof that every branch is separately licensed."],["Iowa agent","Statutory agent information; AG instructions require an Iowa agent for an out-of-state principal office.","General corporate registered-agent law remains distinct."],["Changes","§6202(2) does not require a further notification before the next annual date.","AG instructions request written contact updates without a fee; operational guidance and statutory timing must remain distinct."],["Transfer/surrender","AG FAQ describes written cessation/surrender information.","No general transfer-approval or successor-authorization mechanism was established."],["Base fee","$50 annually per person required to notify.","Not stated as $50 per DBA, creditor account, or branch."],["Additional volume fee","Applies to specified sellers, lessors, lenders, and assignees using average prior-year month-end unpaid balances.","Different base from annual cash collections."],["Late charge","Up to $75 if required fees remain unpaid in full more than thirty days after due date.","Statute says administrator may collect; not automatic private damages."],["Online convenience charge","AG page states $1 for the online payment route.","Operational payment charge, not statutory consumer collection-cost authority."],["Institutional exception","Persons authorized under Chapters524,533,536,536A are excluded from this notification part.","Not blanket exemption from all conduct law or proof of federal preemption."],["Ordinary collection bond","None established in the selected notification statute, Chapter22, or blank form.","No Chapter533A/533C bond imported; specialized regimes remain open."],["Ordinary collector trust security","No general account-security or consumer bond-recovery scheme established in those sources.","Actual custody, agency, professional and specialized rules remain unresolved."]]},{"headers":["Duty or authority issue","Governing requirement","What notification does not establish"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Duty or authority issue","Governing requirement","What notification does not establish"],["True identity","§537.7103(4) restricts false names, identity, and misleading collection representations.","A registered DBA does not permit false lawyer, government, creditor, or court identity."],["Assignee identification","The specified demand must identify the assignee as required by §7103(4)(d).","It does not prove the assignment or balance."],["Amount/status/authority","False representations about character, amount, legal status, government endorsement/bonding, or legal process are prohibited.","Filing notification is not government endorsement or proof of a recovery bond."],["Paragraph-specific disclosure exceptions","§7103(4)(b) contains specified formal-pleading and institutional/affiliate/personnel exceptions with conditions.","These are not wholesale exemptions from §7103."],["Collection-service fees","§7103(5)(c) requires a legally chargeable fee reasonably related to acts actually performed.","A collector’s internal percentage schedule is insufficient."],["Incidental charges","§7103(5)(d) requires express agreement plus legal chargeability, or other legal permission.","Contract wording alone cannot validate an unlawful charge."],["Consumer-credit attorney fees","§537.2507 generally prohibits such agreements, with a specified larger, land-secured exception.","The exception is not an ordinary unsecured-account authorization."],["Default charges","§537.3402 restricts unauthorized default charges, with its stated security-realization and lease qualifications.","“Collection cost” is not an unrestricted default-charge category."],["Assignment notice/proof","§537.3204 permits payment to the original creditor until adequate assignment notice; a requested proof branch also applies.","No automatic title or admissibility conclusion from the word “assignee.”"],["Judicial entitlement","§537.5114 requires specified allegations and verified complaint or sworn proof before default judgment.","Notification does not prove contract, default, amount, calculation, or standing."]]},{"headers":["Body/route","Verified role","Limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Body/route","Verified role","Limits"],["Iowa Attorney General, Consumer Protection Division","Administrator of Chapter537; receives generic consumer complaints and administers notification.","Not private counsel; complaint does not guarantee investigation, refund, or litigation."],["Appropriate financial supervisory authority","§537.6105 allocates examination, investigation, and administrative functions for specified supervised institutions.","Exact charter and activity must be known; no institution was queried."],["Court in Chapter537 enforcement","May decide injunctions, penalties, consumer claims, and statutory relief when properly invoked.","An administrative complaint is not a court filing or stay."],["Attorney Disciplinary Board","Receives and investigates lawyer complaints; discipline operates through the professional-regulation system.","Not a substitute for a damages action or a fee/balance adjudication."],["Commission on Unauthorized Practice of Law","Generic public complaint route for alleged unauthorized practice.","Current detailed Chapter38 procedure was not recovered; no actual submission or status inquiry occurred."]]},{"headers":["Route","Actor and predicate","Verified consequence or monetary unit","Important limitations"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Route","Actor and predicate","Verified consequence or monetary unit","Important limitations"],["Investigation","Administrator with statutory grounds under §6106.","Records, examination, testimony/subpoena and court-enforcement mechanisms.","Not an automatic finding against the collector; confidentiality and scope conditions apply."],["Administrative cease-and-desist","Notice/hearing and §6108 predicates.","Administrative order.","Specified unconscionability/fraud-course matters require the court route rather than assuming administrative power."],["Assurance of discontinuance","Written assurance under §6109.","May include specified costs or escrow terms.","Case-specific assurance is not a universal collector bond or account-security requirement."],["Injunction/other court relief","Administrator’s action under §§6110–6112.","Available statutory injunctive and related relief.","Court process and substantive predicates required."],["Consumer money recovered by AG","§6113(1), after demand, for money expressly recoverable by consumers under Chapter537.","Payment/setoff according to court order and statutory precedence rules.","Excludes penalties from this recovery branch; defenses remain available."],["Repeated intentional violations","AG civil action; both repeated and intentional violation under §6113(2).","Court penalty not more than $10,000.","Text does not state “$10,000 per violation”; two-year and specified unconscionability/fraud exclusions apply."],["Notification/fee enforcement","AG civil action under §6113(3).","Unpaid fees + 7% annual interest + reasonable costs; court penalty capped at the greater of three times unpaid fees or $1,000.","Government recovery, not a consumer refund or automatic administrative award."],["Knowing/willful criminal provisions","§5301’s specified actors and conduct.","Serious-misdemeanor provisions, including the qualified §7103 branch.","Notification offense has its own actor limits; do not apply it universally to every nonfiling business."],["Private enumerated violations","Eligible consumer under §5201(1), including §7103 violations.","Actual damages; in a nonclass action, court-selected penalty $100–$1,000.","Not every Chapter537 violation is enumerated; consumer-rental-purchase lessee exclusion applies to this branch."],["Excess charge/refund","§5201(2)–(3), with the particular charge or refund-demand conditions.","Excess/refund plus, in a qualifying nonclass action, $200–$2,000 court penalty.","Thirty days is presumed reasonable for the refund-demand branch; no automatic stacking with another penalty."],["Consumer costs/attorney fees","Court finds a violation in an action satisfying §5201(8).","Costs and reasonable attorney fees measured by reasonably expended time.","Not a percentage-of-recovery formula or automatic award after a complaint."]]},{"headers":["Source ID / opinion / full literal URL","Court, date, citation and status","Actual holding, posture, disposition and pinpoint","Read/version limits"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Source ID / opinion / full literal URL","Court, date, citation and status","Actual holding, posture, disposition and pinpoint","Read/version limits"],["S_IA-P11-S015 — State ex rel. Miller v. National Farmers Organization\nhttps://law.justia.com/cases/iowa/supreme-court/1979/62450-0.html","Iowa Supreme Court, May30,1979; 278 N.W.2d905; published; McCormick majority.","State challenged collection of membership dues. Nonprofit identity was not a categorical collector exemption, but the transaction did not involve the necessary credit. Dismissal affirmed on the court’s stated ground. Pp.906–907.","Majority body read in disclosed Justia republication. Historical agricultural-purpose/dollar language is not current law. No PDF inspection claimed."],["S_IA-P11-S016 — Degeneffe v. Home Pride Contractors, Inc.\nhttps://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion","Iowa Supreme Court, No.23-1510; Jan24,2025, amended April4,2025; published official opinion; Oxley unanimous majority. Reporter citation not independently verified.","Payment due upon completion, late charges, and the presented grace-period evidence did not establish the required credit transaction. Consumer summary judgment reversed; remanded for judgment consistent with contractor’s position. Printed pp.6–12/PDF indices5–11.","Complete majority parsed; selected relevant page images inspected, including indices6,8–11. 2023 statutory application compared with freshly read 2026 definitions; not a comprehensive later-law audit."],["S_IA-P11-S017 — Monahan Loan Service, Inc. v. Janssen\nhttps://law.justia.com/cases/iowa/supreme-court/1984/83-836-0.html","Iowa Supreme Court, May16,1984; 349 N.W.2d752; published; Carter majority.","Recognized the statutory consumer-remedy route for the particular collection violation and addressed penalty/cost/fee relief. §I, pp.753–754; disposition/remedy discussion pp.757–758. Reversed and remanded.","Relevant majority body read on Justia. Historical venue/security facts are not modern procedural instructions. Quoted underlying cases not counted as freshly read."],["S_IA-P11-S018 — Chrysler Financial Co., LLC v. Bergstrom\nhttps://caselaw.findlaw.com/court/ia-supreme-court/1216955.html","Iowa Supreme Court, Sept9,2005; 703 N.W.2d415; published; Cady majority.","Applied §5201(7)’s bona-fide-error elements to the collector’s procedures and the particular county-address error. Court of Appeals decision vacated; district judgment affirmed. Majority §§III–IV; displayed body lines85–130.","Majority read in FindLaw republication. Dissent is not the holding. No present-day venue or general private-UTPA conclusion imported."],["S_IA-P11-S019 — Iowa Supreme Court Commission on Unauthorized Practice of Law v. A-1 Associates, Ltd.\nhttps://caselaw.findlaw.com/court/ia-supreme-court/1184921.html","Iowa Supreme Court, Mar21,2001; 623 N.W.2d803; published; Neuman majority.","Examined purported assignments that preserved creditor benefit and functioned as collection-agency legal representation. UPL injunction affirmed. Majority §II(C), displayed lines101–122, with preceding facts.","Majority read in disclosed republication. Genuine-purchase discussion does not approve every corporate pro se action. Dissent not adopted."],["S_IA-P11-S020 — Capital One Bank (USA), N.A. v. Taylor\nhttps://www.iowacourts.gov/moduledocuments/embed/23959/132043_D588DEFC36AA8.pdf","Iowa Court of Appeals, No.13-2043, Nov25,2015; Miller, senior judge. Precedential publication unverified; noncontrolling use only.","Rejected the asserted private cause based solely on notification failure. Printed pp.7–11/PDF indices6–10; footnote5 p.11 leaves specified exemption/preemption matters undecided. Affirmed.","Relevant notification majority body read; images inspected at indices0,1,8–10. Account-stated merits not used. Quoted federal authority not counted as a fresh read."]]},{"headers":["Actor branch","Iowa consequence","Independent questions"],"index":8,"links":[],"row_links":[[],[],[],[]],"rows":[["Actor branch","Iowa consequence","Independent questions"],["A. Originating creditor","Own-debt collection can fall under §7103. Creditor notification is separately analyzed.","Institutional exemption; actual fee/assignment facts; federal false-name/principal-purpose questions."],["B. Third-party agency","Collection conduct is covered; $100,000 exceeds both competing notification figures used in the sources.","Actual agency authority; no ownership inferred; federal regular-collection/means tests and exclusions."],["C. Defaulted-debt purchaser","Ownership does not remove Iowa collection coverage; assignee and collector notification categories must be tested.","Actual transfer, supervised-loan status, volume-fee base, federal principal-purpose/other status tests."]]},{"headers":["Posture / stage","Source-claim rule","Required missing fact","Conditional consequence / next question"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture / stage","Source-claim rule","Required missing fact","Conditional consequence / next question"],["P01 Own creditor","C003, C009","Qualifying debt and institutional status","State conduct coverage may apply despite no third-party agency. Which notification branch applies?"],["P02 Debt purchaser","C007, C019, C028","Actual assignment and principal business","Ownership label does not settle federal status or account entitlement."],["P03 Third-party agency","C008–C011","Annual totals and Iowa conduct","Notification may apply; borderline threshold requires reconciliation."],["P04 Affiliate employee","C003, C007, C012","Employer/affiliate relationship and statutory conditions","No universal Iowa exemption; federal exclusions differ."],["P05 Attorney label","C006, C030–C031","Actual admission and capacity","A company name containing “legal” is not law-practice authority."],["P06 Business-purpose purchase","C001–C004","Actual predominant purpose and entity","Ordinary consumer protection may not apply; no commercial-regime conclusion."],["P07 Remote collector","C005, C014, C020","Activities beyond collection and Iowa contacts","No Iowa office is not automatic notification exemption or corporate-registration duty."],["P08 Unverifiable assignment","C028–C029","Adequate notice, requested proof, litigation evidence","Registration does not prove ownership; statutory payment/proof branches matter."],["P09 False official authority","C024–C025","Exact representation and debt coverage","A claim of state approval or bonding can be misleading; no actual security inferred."],["P10 Unapproved collection cost","C026–C027","Contract, legal authorization, acts performed","Charge cannot be justified solely by agency policy."],["P11 Held client money","C032","Lawyer/nonlawyer capacity, contract, actual receipt","Lawyer trust duties may apply; no universal nonlawyer remittance period established."],["P12 Wrong complaint agency","C033, C046–C047","Charter, professional status, conduct","Routing can change; filing a complaint does not stay a lawsuit."],["P13 Supervised loan","C021–C022","Rate category and statutory authorization","Direct collection may require specialized authority; notification alone insufficient."],["P14 Utility/government account","C004","Exact provider, tariff, benefit and statutory exception","Ordinary model cannot be applied from the bill’s label."],["P15 Local/tribal activity","C005, C049","Jurisdiction, tribal status, local ordinance","State notification research is not local/tribal clearance."],["P16 Low-volume collector","C010–C011","Prior/current totals and correct threshold interpretation","Low volume may affect notification, not necessarily conduct coverage."]]},{"headers":["Source ID","Issuer/title and full literal HTTPS URLs","Exact bodies, pages, version and read limits"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer/title and full literal HTTPS URLs","Exact bodies, pages, version and read limits"],["S_IA-P11-S001","Iowa Legislature, 2026 Code—territory, definitions, exclusions.\nhttps://www.legis.iowa.gov/docs/code/2026/537.html\nhttps://www.legis.iowa.gov/docs/code/2026/537.1201.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.1202.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.1301.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.7102.pdf","Complete §§1201,1202,7102; relevant §1301 definitions11–18,33,35,45–47. §1201 pp.1–2/indices0–1; §1301 pp.1–3,5–6/indices0–2,4–5; other sections p.1/index0. Section footers Dec12,2025. Relevant pages visually inspected except no claim of every definition page. No whole chapter or later-law audit."],["S_IA-P11-S002","Iowa Legislature, conduct, charges and proof gateways.\nhttps://www.legis.iowa.gov/docs/code/2026/537.7103.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.2507.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.3402.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.3204.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5114.pdf","Complete selected section bodies; principal reliance §7103(4)–(5), pp.1–3/indices0–2. Remaining PDFs p.1/index0. Actual pages inspected. No full communications/default/merits report."],["S_IA-P11-S003","Iowa Legislature, notification and fees.\nhttps://www.legis.iowa.gov/docs/code/2026/537.6201.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6202.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6203.pdf","Complete sections, each printed p.1/index0; visually inspected. Official2026 compilation, Dec12,2025 footers. Threshold conflict expressly preserved."],["S_IA-P11-S004","Iowa Legislature, consumer rights/remedies.\nhttps://www.legis.iowa.gov/docs/code/2026/537.5201.pdf","Complete §5201, printed pp.1–2/indices0–1, both inspected. Particular subsection predicates, exclusions, correction/defense and periods retained. No actual damages or deadline determination."],["S_IA-P11-S005","Iowa Legislature, administration, enforcement and criminal gateway.\nhttps://www.legis.iowa.gov/docs/code/2026/537.6102.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6103.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6105.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6106.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6108.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6109.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6110.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6112.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6113.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5301.pdf","Complete selected bodies; each p.1/index0. Actual page images inspected except §6112 read in parsed text only. No complete enforcement chapter or case-specific order review."],["S_IA-P11-S006","Iowa Legislature/AG, 61 IAC Chapter22 and adopted amendments.\nhttps://www.legis.iowa.gov/law/administrativeRules/chapters?agency=61\nhttps://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf\nhttps://rules.iowa.gov/Notice/Details/3629C\nhttps://rules.iowa.gov/Notice/Details/4969C","Official index dated Oct14,2026. Complete Chapter22 printed pp.1–3/PDF indices86–88 read and inspected; not entire135-page agency PDF. Chapter footer IAC2/5/25. Complete relevant final-adoption bodies read: effective Mar21,2018 and Apr15,2020. Old threshold/reference language and future rescission notation preserved; no full later-order audit."],["S_IA-P11-S007","Iowa AG, notification, FAQ and creditor/assignee instructions.\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/faq-for-debt-collectors-and-creditorsassignees\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/creditorsassignee-notification","Relevant complete operational bodies read: notification lines75–215; FAQ and creditor sections. Current displayed instructions, not enactments. No registration list or actual entity record opened. Threshold and fee-boundary conflicts not silently harmonized."],["S_IA-P11-S008","Iowa AG, blank debt-collector notification form.\nhttps://www.iowaattorneygeneral.gov/media/cms/2025_Debt_Collector_ICCC_form_filla_8AFB0FC2290F3.pdf","Updated8-2025; two unnumbered pages/indices0–1 fully read and visually inspected. Identity/DBA/office/agent/contact/signature/fee fields only. No form entry, signature, submission or approval."],["S_IA-P11-S009","CFPB, Regulation Z §1026.3 and official interpretation.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/3/","§3(b) and official comment3(b)-3, item xvii, confirming2026 $73,400 amount. Operative text/interpretation used, not a withdrawn advisory guide. No CPI calculation or complete final-adjustment-rule history."],["S_IA-P11-S010","Iowa Legislature, foreign entity activity exceptions.\nhttps://www.legis.iowa.gov/docs/code/2026/490.1505.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/489.905.pdf","Complete sections, especially (1)(g)–(h) and (2); p.1/index0 each, inspected. No general foreign-registration application/fee or DBA audit."],["S_IA-P11-S011","Iowa Legislature, supervised-loan authority and investigation/security definitions.\nhttps://www.legis.iowa.gov/docs/code/2026/537.2301.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/80A.1.pdf","Complete §2301(1)–(5), p.1/index0; §80A.1(9),(12), p.1/index0, inspected. Chapter80A footer Dec10,2025. No complete Chapters536/536A/80A licensing/security package."],["S_IA-P11-S012","U.S. House OLRC, 15 USC1692a.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/","Definitions(3)–(6), including exclusions(A)–(F), read. Federal actor/debt boundary only. An older OLRC view-route failed; this materially different official route succeeded. No full FDCPA regulation/guidance review."],["S_IA-P11-S013","Iowa Judicial Branch/Legislature, professional duties and public complaint routes.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/32.pdf\nhttps://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf\nhttps://www.iowacourts.gov/opr/attorneys/attorney-discipline/complaint-against-a-lawyer\nhttps://www.iowacourts.gov/opr/about-opr/attorney-disciplinary-board\nhttps://www.iowacourts.gov/opr/about-opr/commission-on-unauthorized-practice-of-law\nhttps://www.iowacourts.gov/opr/upl","Displayed professional compilation Dec2020. Rule32:1.15(a)–(f), printed p.42/index43;32:5.5(a)–(e), pp.68–69/indices69–70, inspected. Generic complaint-page bodies read. Chapter45 and complete later amendments not reviewed. Current Chapter38 PDF routes failed; no historical substitute silently promoted."],["S_IA-P11-S014","Iowa AG, consumer complaint instructions.\nhttps://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint","Generic intake, documentation, agency-role/routing statements read. No form submission, actual complaint, records request or individualized route selected."],["S_IA-P11-S021","Iowa Legislature/Judicial Branch, Appellate Procedure Rules.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","Displayed Dec2025 compilation; Rule6.904(2)(a)(2), printed p.26/PDF index29, complete clause read and page inspected. Later amendments held; used only for the qualified Taylor reference."]]},{"headers":["Claim ID","Precise proposition","Source/pinpoint","Predicates, consequence, confidence and exact gap"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise proposition","Source/pinpoint","Predicates, consequence, confidence and exact gap"],["C001","Article7 debt is the actual/alleged obligation within §7102’s specified transaction categories.","S001 §537.7102(3).","High text; actual transaction classification absent."],["C002","Late payment or late charges do not alone establish a grant of credit.","S001 §1301(16); S016 pp.6–12.","High narrow holding; other expanded debt categories still matter."],["C003","Iowa collector definition includes self, employer and third-party collection.","S001 §7102(4)–(5).","High; qualifying debt and conduct required."],["C004","Purpose/entity/transaction exclusions must be applied separately.","S001 §§1202,1301(11)–(16),(33),(35).","High text; special-sector/public facts unverified."],["C005","Remote activity is subject to §1201’s actual territorial and transaction rules.","S001 §1201.","Conditional; residence, conduct and origin absent."],["C006","Attorney/nonprofit labels are not categorical Iowa collection exemptions.","S001 §7102; S015 pp.906–907.","High boundary; other actual exemptions remain possible."],["C007","Federal FDCPA actor exclusions differ from Iowa’s definition.","S012 §1692a(3)–(6).","High text; no actual federal status determination."],["C008","Ordinary Chapter537 collector access is notification, not a general collector license.","S003 §§6201–03; S007.","High within ordinary regime; specialized authority separate."],["C009","Creditor notification is separately governed by §6201(1).","S003 §6201(1); S007 creditor page.","High; does not import collector volume threshold."],["C010","Collector statute uses prior-year threshold amount and current-year $25,000 alternative.","S003 §6201(2).","High compiled text; later-law audit incomplete."],["C011","Rule, statute and AG instructions differ on threshold application;2026 federal indexed amount is$73,400.","S001 §1301(47); S00622.2; S007; S009.","High discrepancy finding; reconciliation unresolved."],["C012","Notification exceptions identify authorized persons under524,533,536,536A.","S003 §6201(1)–(2).","High; no general conduct exemption/preemption conclusion."],["C013","Initial notification is within30days; annual filing/payment byJan31.","S003 §§6202(1),6203(1).","High; actual commencement and applicability absent."],["C014","Notification includes names, addresses, Iowa offices/activity and prescribed agent information.","S003 §6202(1)(a)–(g); S008.","High; no actual form or agent checked."],["C015","Statutory annual-update timing differs from AG’s requested written updates; transfer authority remains unestablished.","S003 §6202(2); S007FAQ.","High distinction; actual change/cessation facts absent."],["C016","Base fee is$50 annually per notifying person.","S003 §6203(1).","High; no perbranch/DBA multiplier established."],["C017","Additional seller/lender/assignee fee uses prescribed average unpaid balances, not receipts.","S003 §6203(2)–(3).","High; balance inclusion and residual-unit facts required."],["C018","Late charge may be imposed up to$75 after fees remain unpaid30days beyond due date.","S003 §6203(4); S00622.6.","High; not consumer damages or automatic award."],["C019","No ordinary collection-specific bond/trust security was established in the reviewed notification authorities.","S003; S006ch22; S008.","Bounded negative finding; specialized/local law open."],["C020","Specified debt collection/acquisition activity alone is excluded from foreign-registration “transacting business.”","S010 §§490.1505,489.905.","High; other activity, service and taxation preserved."],["C021","Direct supervised-loan collection/enforcement can require §2301 authorization.","S011 §537.2301(2),(4).","High; prompt-application window and remote exception conditional."],["C022","§2301(3)’s voidness language addresses a supervised loan unlawfully made, not every unauthorized collection act.","S011 §537.2301(3).","High textual distinction; actual loan history absent."],["C023","Debt collection’s private-security exclusion does not resolve separate private-investigation activity.","S011 §80A.1(9),(12); S007FAQ.","High boundary; full80A regime held."],["C024","Identity/disclosure duties have paragraph-specific exceptions, not a whole-article exemption.","S002 §7103(4)(a)–(d).","High; exact communication and actor required."],["C025","False legal status, amount, government endorsement/bonding and process representations are prohibited.","S002 §7103(4)(e)–(i).","High; actual representation and coverage unproved."],["C026","Consumer collection charges require the statutory legal-entitlement and service/agreement predicates.","S002 §7103(5)(c)–(d).","High; no charge entitlement from agency policy."],["C027","Attorney-fee/default-charge limits constrain contract clauses.","S002 §§2507,3402.","High; land-secured/lease/security exceptions retained."],["C028","Assignment notice and requested proof affect the debtor’s payment route.","S002 §3204.","High; no title/admissibility adjudication."],["C029","Consumer-credit default judgment requires statutory allegation/proof conditions.","S002 §5114.","High gateway; no general default/service report."],["C030","A disguised collection assignment does not itself authorize nonlawyer legal representation.","S019 majority§II(C).","High narrow holding; actual assignment absent."],["C031","Lawyer/out-of-state practice requires compliance with professional authority rules.","S013 rule32:5.5.","Conditional; retrieved Dec2020 compilation, later audit held."],["C032","Lawyer-held client/third-party funds trigger professional segregation/delivery/accounting duties.","S013 rule32:1.15.","Conditional; capacity and fullchapter45 issues held."],["C033","AG and supervisory authorities have allocated investigation/administration roles.","S005 §§6103,6105,6106.","High; actual charter and proceeding absent."],["C034","Cease-and-desist/assurance procedures have distinct conditions; assurance escrow is not universal security.","S005 §§6108–09.","High; no actual order or assurance."],["C035","Court injunction and related relief require the statutory judicial route.","S005 §§6110,6112.","High gateway; merits and procedure excluded."],["C036","AG may, after demand, recover expressly authorized consumer money under§6113(1), excluding penalties.","S005 §6113(1).","High; precedence/defenses retained; actual entitlement absent."],["C037","Repeated intentional violations support a court penalty up to$10,000 under stated exclusions.","S005 §6113(2).","High; no automatic perviolation multiplier."],["C038","Notification enforcement formula is unpaidfees+7%interest+costs and capped court penalty.","S005 §6113(3).","High; greater-of3×fees/$1,000 ceiling, not automatic consumer recovery."],["C039","Criminal consequences depend on§5301’s actual actor, knowledge and willfulness conditions.","S005 §5301(1)–(4).","High; not every filing lapse is automatically criminal."],["C040","Eligible consumer may seek actualdamages and nonclass$100–$1,000 penalty for enumerated violations.","S004 §5201(1)(a), especially(25).","High; lessee exclusion, defenses and judicial finding apply."],["C041","Excess-charge/refund remedies and$200–$2,000 penalty have separate predicates.","S004 §5201(2)–(3).","High; demand/refund timing and no-double-recovery issues remain."],["C042","Correction and bona-fide-error defenses are distinct and conditional.","S004 §5201(6)–(7); S018§III.","High; no universal safe harbor."],["C043","§5201(8) awards reasonable consumer costs/attorneyfees after a violation finding.","S004 §5201(8).","High; time-based reasonableness, not percent recovery."],["C044","Private remedy periods depend on subsection and open-end/other transaction classification.","S004 §5201(1)(b),(3).","High text; no actual deadline calculated or P08 reliance."],["C045","Notification-only private claim is distinct from an express collection-conduct claim.","S004 §5201(1); S005§6113(3); S020pp.7–11.","Statute primary; Taylor noncontrolling-qualified."],["C046","AG complaint is an administrative intake route, not adjudication, stay or guaranteed refund.","S014; S005.","High role distinction; no actual complaint."],["C047","Lawyer-discipline/UPL complaint routes do not themselves award private damages.","S013genericpages; S019.","Detailed currentchapter38 procedure unavailable."],["C048","Five Supreme Court cases are published; Taylor publication is unverified and its use limited.","S015–S021.","No complete citator/laterdesignation audit."],["C049","Currentness is bounded by retrieved compilations, selected finalorders and unresolved threshold/professional-rule gaps.","S001–S013 versionrecords.","Confirmed limitation; no wholelaterlaw certification."],["C050","No actual actor, license, notification, debt, account, payment, authority, charge or award was verified.","Research scope.","No operational, balance, coverage or acceptance conclusion."]]},{"headers":["Coverage","Status","Claims","Exact remaining evidence / next investigation"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Claims","Exact remaining evidence / next investigation"],["CV01 Debt definition","Answered at statutory level","C001","Actual transaction and asserted obligation."],["CV02 Credit-right boundary","Answered with case context","C002","Actual payment/deferment terms and regularity."],["CV03 Consumer/business purpose and entity","Partial","C004","Actual borrower, organization and use of proceeds."],["CV04 Actual/alleged debt versus validity","Answered as distinction","C001,C050","Contract, identity, balance and defenses remain merits work."],["CV05 Original creditor","Answered conditionally","C003,C009","Applicable transaction and exemption."],["CV06 Third-party agency","Answered conditionally","C003,C008","Activity, totals and specialized status."],["CV07 Debt buyer/assignee","Partial","C007,C017,C028","Assignment, principal business, loan category."],["CV08 Servicer","Partial","C003,C007","Default timing, role, charter and specialized law."],["CV09 Employee/affiliate","Partial","C003,C007,C012","Actual relationship and exclusion predicates."],["CV10 Attorney/nonprofit/intermediary","Partial","C006,C030–C032","Admission, transaction, capacity and actual activities."],["CV11 Government/special exclusions","Partial","C004","Exact public/regulated transaction and law."],["CV12 Residency/remote territory","Partial","C005","Actual communications, origin and Iowa conduct."],["CV13 Ordinary notification versus license","Answered narrowly","C008","Specialized and local regimes remain."],["CV14 Threshold/application conflict","Unresolved reconciliation","C010–C011","Authoritative correction or controlling interpretation of three versions."],["CV15 Institutional notification exemptions","Answered conditionally","C012","Actual authority under named chapters; preemption separate."],["CV16 Administrator and supervisory allocation","Answered generally","C033","Actual institution and jurisdiction."],["CV17 Initial and annual timing","Answered","C013","Actual commencement and filing facts."],["CV18 DBA/office/agent fields","Answered as filing requirements","C014","Actual form, names and agent; general DBA law open."],["CV19 Changes/cessation/transfer","Partial","C015","Actual change, successor facts and governing general law."],["CV20 Foreign corporate/LLC qualification","Answered only for listed activity exception","C020","Other activities, tax, service and entity type."],["CV21 Base and volume fees","Answered conditionally","C016–C017","Correct actor, balances and statutory-unit application."],["CV22 Late/convenience charges","Answered with source distinction","C018","Actual due date; convenience fee is operational, not statute."],["CV23 Ordinary collection bond/security","No requirement established in selected regime","C019","Other applicable sector/local/professional requirements."],["CV24 Supervised-loan authority","Partial specialized gateway","C021–C022","Rate classification, authority and Chapters536/536A package."],["CV25 Private investigation/skip tracing","Partial","C023","Actual investigative services and full80A regime."],["CV26 Identity/authority representations","Answered narrowly","C024–C025","Actual statement, actor and communication stage."],["CV27 Collection charges/pass-through costs","Answered as entitlement predicates","C026","Actual agreement, acts and lawful charge basis."],["CV28 Attorney/default fees","Answered with exceptions","C027","Transaction/security/lease facts; full rate analysis excluded."],["CV29 Assignment notice/proof","Answered gateway","C028","Actual notice/request/proof; full validation and chain evidence later."],["CV30 Litigation entitlement","Answered gateway only","C029","Actual sworn evidence, title and amount; general court work later."],["CV31 UPL boundary","Answered by statute/rule/case context","C030–C031","Actual representation/assignment and current procedural rules."],["CV32 Lawyer client money","Partial","C032","Actual capacity, records and fullchapter45/later-rule review."],["CV33 Nonlawyer client funds","Unresolved general regime","C019,C032","Agency agreement, fiduciary/payment/transmission law and actual flows."],["CV34 AG complaint pathway","Answered procedurally","C046","Actual complaint not supplied or submitted."],["CV35 Financial/professional routing","Partial","C033,C047","Actor charter/admission and precise regulator."],["CV36 Investigation powers/confidentiality","Answered selected gateway","C033","Actual statutory grounds and proceeding."],["CV37 Administrative order/assurance","Answered conditionally","C034","Notice/hearing or actual written assurance."],["CV38 Injunction and court relief","Answered gateway","C035","Actual action, proof and order."],["CV39 Public repeated-intentional penalty","Answered conditions/unit","C037","Repetition, intent, period and exclusions."],["CV40 Notification enforcement formula","Answered conditions/unit","C038","Actual unpaid fees, elapsed interest and court decision."],["CV41 AG consumer-money recovery","Answered conditionally","C036","Demand, expressly recoverable money, defenses and action precedence."],["CV42 Private collection-conduct action","Answered conditionally","C040","Eligible consumer, violation, actual loss and timely action."],["CV43 Excess-charge/refund action","Answered conditionally","C041","Charge entitlement, payment/demand, refund timing and overlap."],["CV44 Correction/error defenses and fees","Answered conditionally","C042–C043","Actual procedures, intent, notice, correction and reasonable fees."],["CV45 Remedy-specific time provisions","Answered text only","C044","Actual transaction and trigger; no general limitation rerun."],["CV46 Notification-only private theory","Partial, qualified case use","C045","Any other cause of action and controlling authority; no universal no-private-right conclusion."],["CV47 Criminal gateway","Answered narrowly","C039","Actual actor, knowing/willful conduct and prosecutor/court process."],["CV48 Published cases","Answered with scope limits","C048","Full later-treatment/citator review not done."],["CV49 Unpublished/citation qualification","Answered for retrieved rule","C048","Taylor designation and later rule changes unverified."],["CV50 Statute/rule/form version chain","Partial","C049","Complete post-compilation acts, rule amendments and professional-rule audit."],["CV51 Four models","Completed conditionally","Relevant claims","Fictional predicates do not establish real compliance."],["CV52 Sixteen postures","Completed as issue tests","Relevant claims","Actual facts remain absent."],["CV53 Full communications/validation/reporting/usury","Excluded","C007,C024–C029","Separate required components; only necessary boundaries checked."],["CV54 Full merits/court/limitations/garnishment/property","Excluded","C029,C044","Separate required work; P08 not a premise."],["CV55 Local/tribal/sector/international","Excluded except identified gateways","C004–C005,C021,C023","Specific jurisdiction, sector and authority needed."],["CV56 Actual status and acceptance","Unresolved","C050","No actor/account evidence; no operational/state/parent approval."]]},{"headers":["Authorized remainder","What PASS-11 contributes","What remains open"],"index":13,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Authorized remainder","What PASS-11 contributes","What remains open"],["Reviewed P01 broad collection hold","Actual Iowa actor/debt definitions, notification framework, threshold discrepancy, specialized-loan exception and narrow authority boundaries.","No full collector compliance or actual-entity authorization."],["Parent category2: collection licensing/original creditor versus third party","Statutory and case-based distinctions, entity-specific exemptions, public filing requirements, fees and bounded security finding.","Actual records, specialized licensing packages, local/tribal and charter/preemption questions."],["Parent category2: prohibited conduct and consumer procedure","Selected identity/authority/charge rules, public and private remedy gateways, complaint routes.","Full communication, validation, reporting, payment-allocation, merits and litigation components."],["Other reviewed/unreviewed passes","Their status and holds preserved.","No provider, funds, agreement, bond or limitation conclusion accepted by implication."]]}],"claims":[{"claim_id":"S_IA-P11-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C001","Precise proposition":"Article7 debt is the actual/alleged obligation within §7102’s specified transaction categories.","Source/pinpoint":"S001 §537.7102(3).","Predicates, consequence, confidence and exact gap":"High text; actual transaction classification absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C001","original_visible_claim_id":"C001","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise proposition":"Late payment or late charges do not alone establish a grant of credit.","Source/pinpoint":"S001 §1301(16); S016 pp.6–12.","Predicates, consequence, confidence and exact gap":"High narrow holding; other expanded debt categories still matter."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C002","original_visible_claim_id":"C002","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1,16],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise proposition":"Iowa collector definition includes self, employer and third-party collection.","Source/pinpoint":"S001 §7102(4)–(5).","Predicates, consequence, confidence and exact gap":"High; qualifying debt and conduct required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C003","original_visible_claim_id":"C003","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise proposition":"Purpose/entity/transaction exclusions must be applied separately.","Source/pinpoint":"S001 §§1202,1301(11)–(16),(33),(35).","Predicates, consequence, confidence and exact gap":"High text; special-sector/public facts unverified."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C004","original_visible_claim_id":"C004","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise proposition":"Remote activity is subject to §1201’s actual territorial and transaction rules.","Source/pinpoint":"S001 §1201.","Predicates, consequence, confidence and exact gap":"Conditional; residence, conduct and origin absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C005","original_visible_claim_id":"C005","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise proposition":"Attorney/nonprofit labels are not categorical Iowa collection exemptions.","Source/pinpoint":"S001 §7102; S015 pp.906–907.","Predicates, consequence, confidence and exact gap":"High boundary; other actual exemptions remain possible."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C006","original_visible_claim_id":"C006","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1,15],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise proposition":"Federal FDCPA actor exclusions differ from Iowa’s definition.","Source/pinpoint":"S012 §1692a(3)–(6).","Predicates, consequence, confidence and exact gap":"High text; no actual federal status determination."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C007","original_visible_claim_id":"C007","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[12],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise proposition":"Ordinary Chapter537 collector access is notification, not a general collector license.","Source/pinpoint":"S003 §§6201–03; S007.","Predicates, consequence, confidence and exact gap":"High within ordinary regime; specialized authority separate."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C008","original_visible_claim_id":"C008","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise proposition":"Creditor notification is separately governed by §6201(1).","Source/pinpoint":"S003 §6201(1); S007 creditor page.","Predicates, consequence, confidence and exact gap":"High; does not import collector volume threshold."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C009","original_visible_claim_id":"C009","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise proposition":"Collector statute uses prior-year threshold amount and current-year $25,000 alternative.","Source/pinpoint":"S003 §6201(2).","Predicates, consequence, confidence and exact gap":"High compiled text; later-law audit incomplete."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C010","original_visible_claim_id":"C010","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise proposition":"Rule, statute and AG instructions differ on threshold application;2026 federal indexed amount is$73,400.","Source/pinpoint":"S001 §1301(47); S00622.2; S007; S009.","Predicates, consequence, confidence and exact gap":"High discrepancy finding; reconciliation unresolved."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C011","original_visible_claim_id":"C011","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[1,7,9],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise proposition":"Notification exceptions identify authorized persons under524,533,536,536A.","Source/pinpoint":"S003 §6201(1)–(2).","Predicates, consequence, confidence and exact gap":"High; no general conduct exemption/preemption conclusion."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C012","original_visible_claim_id":"C012","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise proposition":"Initial notification is within30days; annual filing/payment byJan31.","Source/pinpoint":"S003 §§6202(1),6203(1).","Predicates, consequence, confidence and exact gap":"High; actual commencement and applicability absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C013","original_visible_claim_id":"C013","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise proposition":"Notification includes names, addresses, Iowa offices/activity and prescribed agent information.","Source/pinpoint":"S003 §6202(1)(a)–(g); S008.","Predicates, consequence, confidence and exact gap":"High; no actual form or agent checked."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C014","original_visible_claim_id":"C014","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise proposition":"Statutory annual-update timing differs from AG’s requested written updates; transfer authority remains unestablished.","Source/pinpoint":"S003 §6202(2); S007FAQ.","Predicates, consequence, confidence and exact gap":"High distinction; actual change/cessation facts absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C015","original_visible_claim_id":"C015","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise proposition":"Base fee is$50 annually per notifying person.","Source/pinpoint":"S003 §6203(1).","Predicates, consequence, confidence and exact gap":"High; no perbranch/DBA multiplier established."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C016","original_visible_claim_id":"C016","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise proposition":"Additional seller/lender/assignee fee uses prescribed average unpaid balances, not receipts.","Source/pinpoint":"S003 §6203(2)–(3).","Predicates, consequence, confidence and exact gap":"High; balance inclusion and residual-unit facts required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C017","original_visible_claim_id":"C017","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise proposition":"Late charge may be imposed up to$75 after fees remain unpaid30days beyond due date.","Source/pinpoint":"S003 §6203(4); S00622.6.","Predicates, consequence, confidence and exact gap":"High; not consumer damages or automatic award."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C018","original_visible_claim_id":"C018","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise proposition":"No ordinary collection-specific bond/trust security was established in the reviewed notification authorities.","Source/pinpoint":"S003; S006ch22; S008.","Predicates, consequence, confidence and exact gap":"Bounded negative finding; specialized/local law open."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C019","original_visible_claim_id":"C019","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[3,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise proposition":"Specified debt collection/acquisition activity alone is excluded from foreign-registration “transacting business.”","Source/pinpoint":"S010 §§490.1505,489.905.","Predicates, consequence, confidence and exact gap":"High; other activity, service and taxation preserved."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C020","original_visible_claim_id":"C020","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise proposition":"Direct supervised-loan collection/enforcement can require §2301 authorization.","Source/pinpoint":"S011 §537.2301(2),(4).","Predicates, consequence, confidence and exact gap":"High; prompt-application window and remote exception conditional."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C021","original_visible_claim_id":"C021","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise proposition":"§2301(3)’s voidness language addresses a supervised loan unlawfully made, not every unauthorized collection act.","Source/pinpoint":"S011 §537.2301(3).","Predicates, consequence, confidence and exact gap":"High textual distinction; actual loan history absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C022","original_visible_claim_id":"C022","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise proposition":"Debt collection’s private-security exclusion does not resolve separate private-investigation activity.","Source/pinpoint":"S011 §80A.1(9),(12); S007FAQ.","Predicates, consequence, confidence and exact gap":"High boundary; full80A regime held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C023","original_visible_claim_id":"C023","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise proposition":"Identity/disclosure duties have paragraph-specific exceptions, not a whole-article exemption.","Source/pinpoint":"S002 §7103(4)(a)–(d).","Predicates, consequence, confidence and exact gap":"High; exact communication and actor required."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C024","original_visible_claim_id":"C024","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise proposition":"False legal status, amount, government endorsement/bonding and process representations are prohibited.","Source/pinpoint":"S002 §7103(4)(e)–(i).","Predicates, consequence, confidence and exact gap":"High; actual representation and coverage unproved."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C025","original_visible_claim_id":"C025","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise proposition":"Consumer collection charges require the statutory legal-entitlement and service/agreement predicates.","Source/pinpoint":"S002 §7103(5)(c)–(d).","Predicates, consequence, confidence and exact gap":"High; no charge entitlement from agency policy."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C026","original_visible_claim_id":"C026","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise proposition":"Attorney-fee/default-charge limits constrain contract clauses.","Source/pinpoint":"S002 §§2507,3402.","Predicates, consequence, confidence and exact gap":"High; land-secured/lease/security exceptions retained."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C027","original_visible_claim_id":"C027","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise proposition":"Assignment notice and requested proof affect the debtor’s payment route.","Source/pinpoint":"S002 §3204.","Predicates, consequence, confidence and exact gap":"High; no title/admissibility adjudication."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C028","original_visible_claim_id":"C028","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise proposition":"Consumer-credit default judgment requires statutory allegation/proof conditions.","Source/pinpoint":"S002 §5114.","Predicates, consequence, confidence and exact gap":"High gateway; no general default/service report."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C029","original_visible_claim_id":"C029","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Precise proposition":"A disguised collection assignment does not itself authorize nonlawyer legal representation.","Source/pinpoint":"S019 majority§II(C).","Predicates, consequence, confidence and exact gap":"High narrow holding; actual assignment absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C030","original_visible_claim_id":"C030","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[19],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise proposition":"Lawyer/out-of-state practice requires compliance with professional authority rules.","Source/pinpoint":"S013 rule32:5.5.","Predicates, consequence, confidence and exact gap":"Conditional; retrieved Dec2020 compilation, later audit held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C031","original_visible_claim_id":"C031","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[13],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise proposition":"Lawyer-held client/third-party funds trigger professional segregation/delivery/accounting duties.","Source/pinpoint":"S013 rule32:1.15.","Predicates, consequence, confidence and exact gap":"Conditional; capacity and fullchapter45 issues held."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C032","original_visible_claim_id":"C032","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[13],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise proposition":"AG and supervisory authorities have allocated investigation/administration roles.","Source/pinpoint":"S005 §§6103,6105,6106.","Predicates, consequence, confidence and exact gap":"High; actual charter and proceeding absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C033","original_visible_claim_id":"C033","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise proposition":"Cease-and-desist/assurance procedures have distinct conditions; assurance escrow is not universal security.","Source/pinpoint":"S005 §§6108–09.","Predicates, consequence, confidence and exact gap":"High; no actual order or assurance."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C034","original_visible_claim_id":"C034","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise proposition":"Court injunction and related relief require the statutory judicial route.","Source/pinpoint":"S005 §§6110,6112.","Predicates, consequence, confidence and exact gap":"High gateway; merits and procedure excluded."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C035","original_visible_claim_id":"C035","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise proposition":"AG may, after demand, recover expressly authorized consumer money under§6113(1), excluding penalties.","Source/pinpoint":"S005 §6113(1).","Predicates, consequence, confidence and exact gap":"High; precedence/defenses retained; actual entitlement absent."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C036","original_visible_claim_id":"C036","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise proposition":"Repeated intentional violations support a court penalty up to$10,000 under stated exclusions.","Source/pinpoint":"S005 §6113(2).","Predicates, consequence, confidence and exact gap":"High; no automatic perviolation multiplier."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C037","original_visible_claim_id":"C037","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Precise proposition":"Notification enforcement formula is unpaidfees+7%interest+costs and capped court penalty.","Source/pinpoint":"S005 §6113(3).","Predicates, consequence, confidence and exact gap":"High; greater-of3×fees/$1,000 ceiling, not automatic consumer recovery."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C038","original_visible_claim_id":"C038","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Precise proposition":"Criminal consequences depend on§5301’s actual actor, knowledge and willfulness conditions.","Source/pinpoint":"S005 §5301(1)–(4).","Predicates, consequence, confidence and exact gap":"High; not every filing lapse is automatically criminal."},"coordinator_verification_status":"scoped_record_reconciled_selected_primary_and_republication_with_source_currentness_judicial_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P11-C039","original_visible_claim_id":"C039","all_original_cells_read":true,"researcher_record_unchanged":true,"area_numbers_unchanged":[66],"explicit_source_numbers":[5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"existing_threshold_conflict_and_all_predicate_confidence_holds_preserved":true}},{"claim_id":"S_IA-P11-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Precise proposition":"Eligible consumer may seek actualdamages and nonclass$100–$1,000 penalty for enumerated violations.","Source/pinpoint":"S004 §5201(1)(a), especially(25).","Predicates, consequence, confidence and exact gap":"High; 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Section footers Dec12,2025. Relevant pages visually inspected except no claim of every definition page. No whole chapter or later-law audit."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S001","original_alias":"S_IA-P11-S001","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":6,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf","packet_character_bounds":[19704,21979],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,25]],"actual_numbered_lines_read":[[0,25]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":5,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf","packet_character_bounds":[25372,29485],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,46]],"actual_numbered_lines_read":[],"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":1,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf","packet_character_bounds":[11504,28588],"PDF_page_tags":["P0","P0-1","P1","P1-2","P2","P2-3","P3","P5","P5-6","P6"],"source_id":"S_IA-P11-S001","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[20,20],[25,181],[303,346]],"actual_numbered_lines_read":[[334,346]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S001","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf","line_range":[0,25],"scope":"Complete2026article7definitions/expandedactualorallegeddebt/self-employer-othercollector/forms; noactualtransactionclassification","evidence":[{"source_id":"S_IA-P11-S001","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf","packet":"[internal evidence reference]","chunk":6,"actual_numbered_lines":[[0,25]],"packet_character_bounds":[19704,21979],"dated_reuse":false}],"fresh_PDFpixels":false},{"source_id":"S_IA-P11-S001","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf","line_range":[334,346],"scope":"Thresholddefinition47transaction-dateRegZreferenceandpublication/history; otherdefinitionsnotfreshlyreopened","evidence":[{"source_id":"S_IA-P11-S001","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf","packet":"[internal evidence reference]","chunk":1,"actual_numbered_lines":[[334,346]],"packet_character_bounds":[11504,28588],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S002","urls":["https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf","https://www.legis.iowa.gov/docs/code/2026/537.2507.pdf","https://www.legis.iowa.gov/docs/code/2026/537.3402.pdf","https://www.legis.iowa.gov/docs/code/2026/537.3204.pdf","https://www.legis.iowa.gov/docs/code/2026/537.5114.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S002","Issuer/title and full literal HTTPS URLs":"Iowa Legislature, conduct, charges and proof gateways.\nhttps://www.legis.iowa.gov/docs/code/2026/537.7103.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.2507.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.3402.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.3204.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5114.pdf","Exact bodies, pages, version and read limits":"Complete selected section bodies; principal reliance §7103(4)–(5), pp.1–3/indices0–2. Remaining PDFs p.1/index0. Actual pages inspected. No full communications/default/merits report."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S002","original_alias":"S_IA-P11-S002","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":0,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf","packet_character_bounds":[0,14022],"PDF_page_tags":["P0","P0-1","P1","P1-2","P2"],"source_id":"S_IA-P11-S002","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,155]],"actual_numbered_lines_read":[[75,155]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S002","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf","line_range":[75,137],"scope":"Selected4identity/disclosureparagraph-specificexceptions/assignee-address/governmentbonding/amountlegalstatus/5cfeeactualactionsANDlegalentitlement/5dagreementANDlegallychargeableorotherlaw; notfullcommunicationspass","evidence":[{"source_id":"S_IA-P11-S002","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf","packet":"[internal evidence reference]","chunk":0,"actual_numbered_lines":[[75,137]],"packet_character_bounds":[0,14022],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S003","urls":["https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf","https://www.legis.iowa.gov/docs/code/2026/537.6202.pdf","https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S003","Issuer/title and full literal HTTPS URLs":"Iowa Legislature, notification and fees.\nhttps://www.legis.iowa.gov/docs/code/2026/537.6201.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6202.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6203.pdf","Exact bodies, pages, version and read limits":"Complete sections, each printed p.1/index0; visually inspected. Official2026 compilation, Dec12,2025 footers. Threshold conflict expressly preserved."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S003","original_alias":"S_IA-P11-S003","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":0,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf","packet_character_bounds":[0,1514],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S003","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,16]],"actual_numbered_lines_read":[[0,16]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":1,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.6202.pdf","packet_character_bounds":[1594,3809],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S003","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,24]],"actual_numbered_lines_read":[[0,24]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":2,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf","packet_character_bounds":[3889,7097],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S003","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,34]],"actual_numbered_lines_read":[[0,34]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S003","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf","line_range":[0,16],"scope":"Complete2026notificationcoverage;prioryearthreshold/currentyear25000/institutionalpart-onlyexceptions","evidence":[{"source_id":"S_IA-P11-S003","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6201.pdf","packet":"[internal evidence reference]","chunk":0,"actual_numbered_lines":[[0,16]],"packet_character_bounds":[0,1514],"dated_reuse":false}],"fresh_PDFpixels":false},{"source_id":"S_IA-P11-S003","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6202.pdf","line_range":[0,24],"scope":"Completenames/DBAs/offices/remoteactivities/agent/supervisedloaninformation;30dayinitial/Jan31annual/annualupdating","evidence":[{"source_id":"S_IA-P11-S003","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6202.pdf","packet":"[internal evidence reference]","chunk":1,"actual_numbered_lines":[[0,24]],"packet_character_bounds":[1594,3809],"dated_reuse":false}],"fresh_PDFpixels":false},{"source_id":"S_IA-P11-S003","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf","line_range":[0,34],"scope":"Completeannual50perperson;additionalvolumeaveragebalances/residual>10000;maylatechargeup75after30days;notconsumeradd-on","evidence":[{"source_id":"S_IA-P11-S003","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6203.pdf","packet":"[internal evidence reference]","chunk":2,"actual_numbered_lines":[[0,34]],"packet_character_bounds":[3889,7097],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S004","urls":["https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S004","Issuer/title and full literal HTTPS URLs":"Iowa Legislature, consumer rights/remedies.\nhttps://www.legis.iowa.gov/docs/code/2026/537.5201.pdf","Exact bodies, pages, version and read limits":"Complete §5201, printed pp.1–2/indices0–1, both inspected. Particular subsection predicates, exclusions, correction/defense and periods retained. 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No complete enforcement chapter or case-specific order review."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S005","original_alias":"S_IA-P11-S005","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":5,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.6113.pdf","packet_character_bounds":[16396,19624],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S005","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,33]],"actual_numbered_lines_read":[[0,33]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S005","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6113.pdf","line_range":[0,33],"scope":"Complete2026AGconsumer-moneydemand/precedence/defenses;repeatedintentionalup10000notperviolation/2yearexclusion;fees7%costs/greater3xfees1000courtpenalty","evidence":[{"source_id":"S_IA-P11-S005","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.6113.pdf","packet":"[internal evidence reference]","chunk":5,"actual_numbered_lines":[[0,33]],"packet_character_bounds":[16396,19624],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S006","urls":["https://www.legis.iowa.gov/law/administrativeRules/chapters?agency=61","https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","https://rules.iowa.gov/Notice/Details/3629C","https://rules.iowa.gov/Notice/Details/4969C"],"researcher_record":{"Source ID":"S_IA-P11-S006","Issuer/title and full literal HTTPS URLs":"Iowa Legislature/AG, 61 IAC Chapter22 and adopted amendments.\nhttps://www.legis.iowa.gov/law/administrativeRules/chapters?agency=61\nhttps://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf\nhttps://rules.iowa.gov/Notice/Details/3629C\nhttps://rules.iowa.gov/Notice/Details/4969C","Exact bodies, pages, version and read limits":"Official index dated Oct14,2026. Complete Chapter22 printed pp.1–3/PDF indices86–88 read and inspected; not entire135-page agency PDF. Chapter footer IAC2/5/25. Complete relevant final-adoption bodies read: effective Mar21,2018 and Apr15,2020. Old threshold/reference language and future rescission notation preserved; no full later-order audit."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S006","original_alias":"S_IA-P11-S006","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":2,"URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet_character_bounds":[11253,16952],"PDF_page_tags":["P0","P0-1","P1","P1-2","P2"],"source_id":"S_IA-P11-S006","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,138]],"actual_numbered_lines_read":[],"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":4,"URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet_character_bounds":[16618,25377],"PDF_page_tags":["P2","P2-3","P3","P3-4","P4","P80","P82","P82-84","P84","P84-86","P86","P87"],"source_id":"S_IA-P11-S006","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[139,225],[2738,2743],[2851,2894],[2926,2930]],"actual_numbered_lines_read":[[2851,2894],[2926,2930]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":4,"URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet_character_bounds":[19298,25292],"PDF_page_tags":["P86","P86-87","P87"],"source_id":"S_IA-P11-S006","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[2858,2921]],"actual_numbered_lines_read":[[2858,2921]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":0,"URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet_character_bounds":[0,11424],"PDF_page_tags":["P87","P87-88","P88","P88-90","P90","P90-92","P92","P92-94","P94"],"source_id":"S_IA-P11-S006","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[2912,3022]],"actual_numbered_lines_read":[[2912,3005]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S006","evidence_URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","line_range":[2855,2977],"scope":"WholeChapter22parsedP86–88;old25000bothyears/otheroldreferences/50base/volumebalances/75latecharge/2018and2020history;future1/1/28rescissionnotpresentrepeal; noentire135pageagencyread","evidence":[{"source_id":"S_IA-P11-S006","actual_URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet":"[internal evidence reference]","chunk":4,"actual_numbered_lines":[[2855,2894],[2926,2930]],"packet_character_bounds":[16618,25377],"dated_reuse":false},{"source_id":"S_IA-P11-S006","actual_URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet":"[internal evidence reference]","chunk":4,"actual_numbered_lines":[[2858,2921]],"packet_character_bounds":[19298,25292],"dated_reuse":false},{"source_id":"S_IA-P11-S006","actual_URL":"https://www.legis.iowa.gov/docs/iac/agency/10-14-2026.61.pdf","packet":"[internal evidence reference]","chunk":0,"actual_numbered_lines":[[2912,2977]],"packet_character_bounds":[0,11424],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S007","urls":["https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/faq-for-debt-collectors-and-creditorsassignees","https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/creditorsassignee-notification"],"researcher_record":{"Source ID":"S_IA-P11-S007","Issuer/title and full literal HTTPS URLs":"Iowa AG, notification, FAQ and creditor/assignee instructions.\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/faq-for-debt-collectors-and-creditorsassignees\nhttps://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/creditorsassignee-notification","Exact bodies, pages, version and read limits":"Relevant complete operational bodies read: notification lines75–215; FAQ and creditor sections. Current displayed instructions, not enactments. No registration list or actual entity record opened. Threshold and fee-boundary conflicts not silently harmonized."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S007","original_alias":"S_IA-P11-S007","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":7,"URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","packet_character_bounds":[22059,28290],"PDF_page_tags":[],"source_id":"S_IA-P11-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,136]],"actual_numbered_lines_read":[[70,136]],"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":1,"URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","packet_character_bounds":[2336,4517],"PDF_page_tags":[],"source_id":"S_IA-P11-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[140,183]],"actual_numbered_lines_read":[[140,183]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S007","evidence_URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","line_range":[75,136],"scope":"AGoperationalnolicense/50notification/Jan31/73400priorORcurrent/all-sourceaggregation;notstatutoryamendmentorindividualregisterquery","evidence":[{"source_id":"S_IA-P11-S007","actual_URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","packet":"[internal evidence reference]","chunk":7,"actual_numbered_lines":[[75,136]],"packet_character_bounds":[22059,28290],"dated_reuse":false}],"fresh_PDFpixels":false},{"source_id":"S_IA-P11-S007","evidence_URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","line_range":[140,177],"scope":"AGlawfirmcoverage/30dayinitial/50paperoronline+1conveniencefee;nogenericprivatecharge/filing/contacts","evidence":[{"source_id":"S_IA-P11-S007","actual_URL":"https://www.iowaattorneygeneral.gov/for-businesses/iowa-consumer-credit-code/debt-collector-notification","packet":"[internal evidence reference]","chunk":1,"actual_numbered_lines":[[140,177]],"packet_character_bounds":[2336,4517],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S008","urls":["https://www.iowaattorneygeneral.gov/media/cms/2025_Debt_Collector_ICCC_form_filla_8AFB0FC2290F3.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S008","Issuer/title and full literal HTTPS URLs":"Iowa AG, blank debt-collector notification form.\nhttps://www.iowaattorneygeneral.gov/media/cms/2025_Debt_Collector_ICCC_form_filla_8AFB0FC2290F3.pdf","Exact bodies, pages, version and read limits":"Updated8-2025; two unnumbered pages/indices0–1 fully read and visually inspected. Identity/DBA/office/agent/contact/signature/fee fields only. No form entry, signature, submission or approval."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S008","original_alias":"S_IA-P11-S008","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S009","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/3/"],"researcher_record":{"Source ID":"S_IA-P11-S009","Issuer/title and full literal HTTPS URLs":"CFPB, Regulation Z §1026.3 and official interpretation.\nhttps://www.consumerfinance.gov/rules-policy/regulations/1026/3/","Exact bodies, pages, version and read limits":"§3(b) and official comment3(b)-3, item xvii, confirming2026 $73,400 amount. Operative text/interpretation used, not a withdrawn advisory guide. No CPI calculation or complete final-adjustment-rule history."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S009","original_alias":"S_IA-P11-S009","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":3,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","packet_character_bounds":[17032,22729],"PDF_page_tags":[],"source_id":"S_IA-P11-S009","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,43]],"actual_numbered_lines_read":[],"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":5,"URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","packet_character_bounds":[25457,27546],"PDF_page_tags":[],"source_id":"S_IA-P11-S009","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[149,167]],"actual_numbered_lines_read":[[149,167]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S009","evidence_URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","line_range":[149,163],"scope":"CFPBofficialRegZcomment3b3historicalamounts/2026Jan1–Dec3173400;noCPIcalculationorresolutionIowacurrentyearwording","evidence":[{"source_id":"S_IA-P11-S009","actual_URL":"https://www.consumerfinance.gov/rules-policy/regulations/1026/3/","packet":"[internal evidence reference]","chunk":5,"actual_numbered_lines":[[149,163]],"packet_character_bounds":[25457,27546],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S010","urls":["https://www.legis.iowa.gov/docs/code/2026/490.1505.pdf","https://www.legis.iowa.gov/docs/code/2026/489.905.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S010","Issuer/title and full literal HTTPS URLs":"Iowa Legislature, foreign entity activity exceptions.\nhttps://www.legis.iowa.gov/docs/code/2026/490.1505.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/489.905.pdf","Exact bodies, pages, version and read limits":"Complete sections, especially (1)(g)–(h) and (2); p.1/index0 each, inspected. No general foreign-registration application/fee or DBA audit."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S010","original_alias":"S_IA-P11-S010","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":4,"URL":"https://www.legis.iowa.gov/docs/code/2026/489.905.pdf","packet_character_bounds":[22809,24987],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S010","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,24]],"actual_numbered_lines_read":[[0,24]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S010","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/489.905.pdf","line_range":[0,24],"scope":"Complete2026foreignLLCdebtacquisition/collectionactivityexceptiononlyforsubchapter;service/tax/otherregulationpreserved","evidence":[{"source_id":"S_IA-P11-S010","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/489.905.pdf","packet":"[internal evidence reference]","chunk":4,"actual_numbered_lines":[[0,24]],"packet_character_bounds":[22809,24987],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S011","urls":["https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf","https://www.legis.iowa.gov/docs/code/2026/80A.1.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S011","Issuer/title and full literal HTTPS URLs":"Iowa Legislature, supervised-loan authority and investigation/security definitions.\nhttps://www.legis.iowa.gov/docs/code/2026/537.2301.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/80A.1.pdf","Exact bodies, pages, version and read limits":"Complete §2301(1)–(5), p.1/index0; §80A.1(9),(12), p.1/index0, inspected. Chapter80A footer Dec10,2025. No complete Chapters536/536A/80A licensing/security package."},"coordinator_verification_status":"scoped_selected_literal_body_with_limits","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S011","original_alias":"S_IA-P11-S011","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":3,"URL":"https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf","packet_character_bounds":[7177,10541],"PDF_page_tags":["P0"],"source_id":"S_IA-P11-S011","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,35]],"actual_numbered_lines_read":[[0,35]],"location_or_metadata_only_when_empty":false,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P11-S011","evidence_URL":"https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf","line_range":[0,35],"scope":"Complete2026supervised-loanauthority/directcollection/three-monthprompt-undeniapplication/fewer10remote/noIowaofficeorface-to-face/voidnessofunlawfullyMADEloan,notallunauthorizedcollection","evidence":[{"source_id":"S_IA-P11-S011","actual_URL":"https://www.legis.iowa.gov/docs/code/2026/537.2301.pdf","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[0,35]],"packet_character_bounds":[7177,10541],"dated_reuse":false}],"fresh_PDFpixels":false}],"status":"Selectedofficialbody_or_republishedmajoritywithversioncurrentnessapplicationholds","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S012","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1692a/"],"researcher_record":{"Source ID":"S_IA-P11-S012","Issuer/title and full literal HTTPS URLs":"U.S. House OLRC, 15 USC1692a.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/","Exact bodies, pages, version and read limits":"Definitions(3)–(6), including exclusions(A)–(F), read. Federal actor/debt boundary only. An older OLRC view-route failed; this materially different official route succeeded. No full FDCPA regulation/guidance review."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S012","original_alias":"S_IA-P11-S012","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S013","urls":["https://www.legis.iowa.gov/docs/publications/ICRC/32.pdf","https://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf","https://www.iowacourts.gov/opr/attorneys/attorney-discipline/complaint-against-a-lawyer","https://www.iowacourts.gov/opr/about-opr/attorney-disciplinary-board","https://www.iowacourts.gov/opr/about-opr/commission-on-unauthorized-practice-of-law","https://www.iowacourts.gov/opr/upl"],"researcher_record":{"Source ID":"S_IA-P11-S013","Issuer/title and full literal HTTPS URLs":"Iowa Judicial Branch/Legislature, professional duties and public complaint routes.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/32.pdf\nhttps://www.legis.iowa.gov/docs/ACO/CourtRulesChapter/32.pdf\nhttps://www.iowacourts.gov/opr/attorneys/attorney-discipline/complaint-against-a-lawyer\nhttps://www.iowacourts.gov/opr/about-opr/attorney-disciplinary-board\nhttps://www.iowacourts.gov/opr/about-opr/commission-on-unauthorized-practice-of-law\nhttps://www.iowacourts.gov/opr/upl","Exact bodies, pages, version and read limits":"Displayed professional compilation Dec2020. Rule32:1.15(a)–(f), printed p.42/index43;32:5.5(a)–(e), pp.68–69/indices69–70, inspected. Generic complaint-page bodies read. Chapter45 and complete later amendments not reviewed. Current Chapter38 PDF routes failed; no historical substitute silently promoted."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S013","original_alias":"S_IA-P11-S013","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S014","urls":["https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint"],"researcher_record":{"Source ID":"S_IA-P11-S014","Issuer/title and full literal HTTPS URLs":"Iowa AG, consumer complaint instructions.\nhttps://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint","Exact bodies, pages, version and read limits":"Generic intake, documentation, agency-role/routing statements read. No form submission, actual complaint, records request or individualized route selected."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S014","original_alias":"S_IA-P11-S014","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}},{"source_id":"S_IA-P11-S021","urls":["https://www.legis.iowa.gov/docs/publications/ICRC/6.pdf"],"researcher_record":{"Source ID":"S_IA-P11-S021","Issuer/title and full literal HTTPS URLs":"Iowa Legislature/Judicial Branch, Appellate Procedure Rules.\nhttps://www.legis.iowa.gov/docs/publications/ICRC/6.pdf","Exact bodies, pages, version and read limits":"Displayed Dec2025 compilation; Rule6.904(2)(a)(2), printed p.26/PDF index29, complete clause read and page inspected. Later amendments held; used only for the qualified Taylor reference."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P11-S021","original_alias":"S_IA-P11-S021","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"all_original_failures_partial_reads_version_citation_pixels_and_application_limits_retained":true}}],"coverage":[{"topic":"CV01 Debt definition","researcher_record":{"Coverage":"CV01 Debt definition","Status":"Answered at statutory level","Claims":"C001","Exact remaining evidence / next investigation":"Actual transaction and asserted obligation."},"coordinator_acceptance":"scoped_coordinator_review_all_remaining_source_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":0,"topic":"CV01 Debt definition","all_original_cells_read":true,"original_researcher_status":"Answered at statutory level","researcher_record_unchanged":true,"exact_remaining_question_and_next_source_action_unchanged":true,"accepted":false}},{"topic":"CV02 Credit-right boundary","researcher_record":{"Coverage":"CV02 Credit-right boundary","Status":"Answered with case context","Claims":"C002","Exact remaining evidence / next investigation":"Actual payment/deferment terms and regularity."},"coordinator_acceptance":"scoped_coordinator_review_all_remaining_source_currentness_application_parent_holds","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"row_zero_based":1,"topic":"CV02 Credit-right 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