{"meta":{"key":"s_ia--pass-12","task":"S_IA","title":"Ordinary consumer-debt collection communications and prohibited conduct","parent_title":"Iowa debt and debt relief law","edition":"pass-12","path":"/research/s_ia--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":16,"claims":64,"sources":16,"review_status":"scoped_coordinator_communications_validation_calendar_review_with_federal_access_failures_and_source_currentness_application_holds","review_complete":true,"sha256":"b329b2539cf039f400e823649429285835d534fe98171a8f187aceb687e90c44","headings":["Ordinary consumer-debt collection communications and prohibited conduct","1.1 Iowa’s conduct definition includes collection for oneself","1.2 Federal coverage is narrower in some respects and different in others","1.3 Actor and cumulative-law matrix","2.1 Threats, harassment, identity, amount, and unfair means","Initial and subsequent disclosures","2.2 Third parties, employers, relatives, and exposed mail","3.1 Different instructions trigger different duties","3.2 Times, places, workplace, and represented consumers","3.3 Third parties and location information","3.4 Written cease-contact and medium-specific opt-out","3.5 Calls: presumptions, not a universal seven-call allowance","3.6 Limited-content voicemail and electronic channels","3.7 False representations, postdated instruments, and unfair charges","4.1 Three different communications must not be confused","4.2 Initial communication and follow-up timing","4.3 Required validation contents","4.4 Receipt, the thirty-day period, and electronic delivery","E-SIGN applies differently to different electronic messages","4.5 Oral dispute, written dispute, and original-creditor request","5.1 Iowa","5.2 Federal","5.3 Public complaints","6.1 Regulatory status","M01 — Same obligation, different actor","Shared facts","M02 — Representation, workplace, and relatives","Events","Conditional branches","M03 — Initial notice, assumed receipt, dispute, and cease-contact","Stipulated dates and delivery","Dispute branches","M04 — Call frequency, text opt-out, and false amount","Stipulations","Amount branch","M05 — Liability and award units","Iowa branch","Federal branch","Failed routes and replacement status","12.1 Contribution to the reviewed remainder","12.2 Actually read","12.3 Not established","12.4 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-12","facets":{"geography":["us","us-ia"],"debt_type":[],"stage":["collection"],"subject":["collection-conduct"]},"scope":"ReviewedP01exactcollectionhold+parentcategory2, narrowedcommunications/prohibitedconduct/necessaryvalidationevents; P08/P11unreviewednotpremises","pending_corrections":0},"markdown":"# SettleADebt — S_IA PASS-12\n\n## Ordinary consumer-debt collection communications and prohibited conduct\n\n**Fresh research date:** October 27, 2026, Pacific Daylight Time and UTC. Observed session-clock checkpoints included **11:19:48 PDT / 18:19:48 UTC** and **11:28:40 PDT / 18:28:40 UTC**. These are clock observations—not individual source-fetch timestamps or a complete session interval.\n\n**Scope:** Iowa collection communications and prohibited conduct, with the necessary federal FDCPA/Regulation F and dispute/validation communication overlays. This is a same-coordinator research component, **not independent review**. P08 and P11 are not treated as reviewed premises. No licensing, provider-fee, funds, bond, agreement, or general limitation report is regenerated.\n\n**Principal finding:** Iowa and federal law use different actor definitions and different communication triggers. A person may be subject to Iowa’s collection-conduct provisions without being a federal FDCPA debt collector. Where both apply, an Iowa exception is not automatically permission under federal law, and a federal exception does not displace a more protective Iowa restriction. The separate triggers for representation, inconvenient contact, workplace restrictions, medium-specific opt-out, written cease-contact, and written dispute must not be collapsed into one rule. [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf)\n\n**Register structure:** 16 source groups; eight case entries; 64 claim entries; five conditional models; 14 smaller postures; and 60 coverage entries. Multiple sections and companion URLs within one statutory or regulatory authority are grouped rather than counted as independent corroboration.\n\nIn the tables below, **S001** means **S_IA-P12-S001**, and **C001** means **S_IA-P12-C001**.\n\n# 1. Coverage must be established separately under Iowa and federal law\n\n## 1.1 Iowa’s conduct definition includes collection for oneself\n\nIowa Code §537.7102 defines debt collection to include soliciting debts for collection, collecting, and attempting collection. Its debt-collector definition reaches persons acting for themselves, their employers, or others, as well as the specified collection-form activities.\n\nConsequently, an original creditor is not categorically outside Iowa’s conduct restrictions. Neither “attorney,” “servicer,” “nonprofit,” “debt buyer,” nor “credit counselor” supplies a blanket exemption. The activity and underlying obligation must be classified. **C001–C003.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf)\n\nThe underlying “debt” must fit §537.7102’s actual categories. Those include actual or alleged obligations arising from the specified consumer-credit, rental-purchase, expanded transaction, check, and Chapter 533D branches. “Alleged” does not make an invalid balance valid; it allows the conduct rules to address an asserted covered obligation.\n\nThe consumer-credit definitions and exclusions remain material. In **Degeneffe**, payment due upon completion, combined with late-payment consequences, did not itself establish a granted right to defer payment. Thus, not every unpaid household invoice is automatically a covered Iowa consumer-credit debt. Conversely, that holding does not eliminate the separate expanded-debt branches in §537.7102. **C002.** [Iowa Judicial Branch+1](https://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion)\n\nSection 537.1201 supplies territorial rules; §537.1202 supplies transaction exclusions and qualifications. Remote headquarters or electronic contact does not independently settle Iowa coverage. No actual transaction location, purpose, residence, charter, or communication record is supplied. **C003.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.1201.pdf)\n\n## 1.2 Federal coverage is narrower in some respects and different in others\n\nThe FDCPA generally covers a person whose principal business purpose is debt collection or who regularly collects debts owed another, together with the statutory false-name creditor branch and specified exclusions. The exclusions address, among others, certain employees, affiliates, governmental personnel, process servers, nonprofit counseling, fiduciary activity, originated debts, and debts not in default when obtained.\n\nEach exclusion has conditions. Federal debt ordinarily must arise from a transaction primarily for personal, family, or household purposes. The same person’s Iowa and federal classifications can therefore differ. **C004.** [US Code](https://uscode.house.gov/us/usc/119-118/t15/s1692a/)\n\n**Reygadas** establishes that outsourcing collection does not necessarily remove a principal-purpose debt buyer from federal coverage. But coverage, actual knowledge, agency, and liability for a particular communication remain separate questions. It is not a holding that every debt purchaser is automatically a federal debt collector. **C005.** [NCLC Digital Library](https://library.nclc.org/system/files/field_media_file/2022-03/Reygadas_v_DNF_Assocs.pdf)\n\n## 1.3 Actor and cumulative-law matrix\n\n| Actor/activity | Iowa conduct gateway | Federal gateway | Required facts and limits |\n| --- | --- | --- | --- |\n| Original creditor collecting its own receivable | Potentially covered by self-collection definition | Not automatically covered; false-name and principal-purpose issues remain possible | Qualifying debt, actual business and conduct |\n| Third-party collection agency | Potentially covered | Usually requires principal-purpose/regular-collection and interstate-commerce/mail predicates, subject to exclusions | Actual role, debt type, frequency and capacity |\n| Defaulted-debt purchaser | Ownership does not remove Iowa conduct coverage | Principal-purpose analysis may apply even where collection is outsourced | Portfolio activity, business purpose, agency and actual conduct |\n| Servicer | No universal Iowa pre-default-servicer exclusion established | Default status when obtained and other statutory exclusions matter | Acquisition timing, ownership and capacity |\n| Employee or affiliate | Employer collection is expressly included in Iowa definition | Employee/affiliate exclusions are conditional | Relationship, name used, principal business and whom it collects for |\n| Attorney | No label-based Iowa exemption | No current categorical attorney exemption in the definition | Actual collection activity, capacity and communication |\n| Nonprofit or counselor | No blanket label exemption | Particular nonprofit-counseling exclusion has statutory conditions | Whether it receives/distributes funds and performs the qualifying service |\n| Debt-management intermediary | Its separate collection conduct must be classified | Its actual activity must satisfy federal definition | A Chapter 533A role does not answer this question |\n| Public or specially regulated actor | Transaction and actor exclusions require analysis | Government and other exclusions are limited by text | Exact institution, capacity and transaction |\n| Wrongly identified person | “Actual or alleged” obligation can bring conduct within the framework | A person allegedly obligated can be a consumer for the relevant provisions | Does not prove the debt belongs to that person |\n\n**C001–C006, C051.** Iowa’s more protective law is not displaced merely because federal law also regulates the communication. Section 1692n and Regulation F §1006.104 preserve consistent state protections, including greater consumer protection. [US Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1692n/)\n\n# 2. Iowa’s specific prohibitions and exceptions\n\nThe following table maps the complete relevant branches of §537.7103. These are conduct rules, not proof that a particular balance, fee, assignment, or remedy is lawful.\n\n## 2.1 Threats, harassment, identity, amount, and unfair means\n\n| Iowa provision | Prohibition and required element | Exception or important qualification |\n| --- | --- | --- |\n| **§7103(1)(a)–(b)** | Force, violence, criminal means, or false criminal accusation/threat | No actual threat is supplied |\n| **§7103(1)(c)** | False accusation that a debtor willfully refuses a just debt | Text deems failure to reply **and** failure to negotiate disputes in good faith willful refusal; this is not a debt-validity admission or an override of federal cease-contact rights |\n| **§7103(1)(d)** | Threatened transfer implying harsh, vindictive, or abusive collection | A lawful assignment is not itself the prohibited conduct |\n| **§7103(1)(e)–(f)** | False arrest/seizure/garnishment threats; action or threatened action prohibited by law | Actual legal authority and intended action matter |\n| **§7103(2)(a)** | Profane/obscene language or the specified abusive, breach-of-peace language | Do not replace the statutory wording with a universal intent requirement for every listed act |\n| **§7103(2)(b)–(c)** | Calls without identifying the represented business; deceptive concealment that causes communication charges | Different from a lawful, properly limited voicemail analysis under federal law |\n| **§7103(2)(d)** | Repeated/continuous calls or conversations, unusual hours, or known inconvenient times, with intent to annoy, harass, or threaten | No numerical Iowa call cap or universal state 8 a.m.–9 p.m. rule was established |\n| **§7103(4)(a), (c), (i)** | False business identity, deceptive “valuable information” bait, or misleading business/status/service descriptions | A DBA, license, or notification entry does not authorize deceptive identity |\n| **§7103(4)(d)** | Failure to disclose assignee’s name and full business address when demanding payment | Disclosure is not proof of ownership |\n| **§7103(4)(e)–(h)** | Intentional misrepresentation or false impressions about amount/status; government affiliation/bonding; simulated legal documents; unlawful fee additions | A collection notice cannot manufacture legal authority |\n| **§7103(5)(a)** | Obtaining a false acknowledgment that an obligation is chargeable to marital property | Actual liability remains a separate merits question |\n| **§7103(5)(b)** | Seeking reaffirmation of a discharged obligation without the stated disclosures | Exception for voluntarily written and offered promises does not establish federal reaffirmation enforceability |\n| **§7103(5)(c)–(d)** | Collector fees and incidental charges without the required legal entitlement and agreement/other-law basis | Collector policy or a mathematical percentage is insufficient |\n| **§7103(5)(e)** | Direct debtor communication with known counsel whose name/address is known or easily ascertainable | Counsel’s reasonable failure to respond/discuss, counsel’s prior approval, or an ordinary-course response to the debtor’s inquiry |\n| **§7103(6)** | Written collection communications violating postal law | No full postal-law analysis performed |\n| **§7103(7)** | Specified employee/dependent medical collection after actual notice of a pending contested workers’ compensation liability proceeding | Narrow sector-specific trigger; not a blanket medical-debt rule |\n\n**C007–C009, C017–C022.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf)\n\n### Initial and subsequent disclosures\n\nIowa generally requires the initial written communication—and the initial oral communication if the first communication is oral—to disclose the collection purpose and intended use of information. Later communications must identify themselves as from a debt collector.\n\nThe exceptions in §7103(4)(b) apply to that paragraph, not to every collection prohibition. They include formal pleadings and communications issued directly by the specified financial/insurance institutions and listed personnel, provided the communication does not deceptively conceal its origin or purpose. **C016.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf)\n\n## 2.2 Third parties, employers, relatives, and exposed mail\n\nIowa’s general rule prohibits communicating, threatening to communicate, or implying the existence of the debt to someone other than the debtor or a person reasonably expected to be liable, absent the debtor’s **written permission given after default**. The listed exceptions must be read individually. **C010.**\n\n| Exception or restriction | Exact boundary |\n| --- | --- |\n| Credit-reporting/agent notice | Collector may tell the debtor it may report to a credit bureau or retain an agent/attorney |\n| Legitimate business recipient | Reporting to a credit-reporting agency or someone reasonably believed to have a legitimate business need is excepted from this paragraph; other law still applies |\n| Agent or attorney | Engaging an agent or attorney is permitted by the stated exception |\n| Location inquiry | Reasonable grounds to believe the debtor moved; content restricted to requesting location |\n| Employer/credit-union counseling | At most once in a three-month period for obtaining counseling services; one receipt inquiry if unanswered; responses to incoming communications permitted |\n| Employment verification | Once in a one-month period; may disclose existence of debt, **not default**, subject to the counseling exception |\n| Minor’s parents/trustee/conservator/guardian | Once in a three-month period, plus responses to their inquiries |\n| Spouse | Debtor consent or response to spouse inquiry |\n| Public “deadbeat” lists/debt-for-sale advertisement naming debtor | Prohibited |\n| Debt-exposing communication or envelope | Restricted under the exact court-process/telegram/plain-envelope language; another law may be stricter |\n\n**C011–C015.** The statutory units are **one month** and **three months**, not invented thirty- or ninety-day equivalents. [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf)\n\n**Public Finance** applied this protection to disclosures to an adult debtor’s relatives. A genuine location inquiry did not authorize telling the relatives the debt and threatened legal consequences. **C010–C011.** [Justia Law](https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html)\n\n# 3. Federal contact restrictions, channels, and knowledge\n\n## 3.1 Different instructions trigger different duties\n\n| Consumer/contact event | Federal trigger | Required response | What it does not establish |\n| --- | --- | --- | --- |\n| “This time/place is inconvenient” | Collector knows or should know inconvenience | Stop prohibited contact/attempts at that time/place, subject to the rule’s exceptions | Not necessarily an all-channel permanent cease |\n| Employer prohibits such contact | Collector knows or has reason to know prohibition | Do not communicate at the workplace under the prohibited conditions | Does not authorize revealing the debt to an employer |\n| Representation by counsel | Collector knows representation; counsel’s identity/address known or readily ascertainable | Communicate through counsel unless applicable consent/court/nonresponse exception | Creditor knowledge is not automatically agency knowledge |\n| Oral request not to use a medium | §1006.14(h), request by a person | Stop that medium or specified number/address, subject to narrow exceptions | Not automatically a written refusal or all-contact cease |\n| Written refusal to pay or written cease-contact | Receipt by collector; accepted electronic medium can qualify | Cease communications and attempts respecting the debt, subject to three stated exceptions | Does not cancel the debt or necessarily prohibit all lawful noncommunication acts |\n| Oral dispute during validation period | Federal statute distinguishes validity assumption from written-verification trigger | Do not treat the debt as undisputed for the statutory assumption | Does not alone trigger §1006.38’s written-dispute collection pause |\n| Timely written dispute | Submitted within validation period; collector’s receipt triggers duty | Pause collection of debt/disputed part until qualifying response is sent | No automatic debt cancellation or mandatory response within thirty days |\n| Timely written original-creditor request | Same submission/receipt distinction | Pause collection until required original-creditor information response | Not a demand for every litigation exhibit |\n\n**C023–C029, C046–C050.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\n## 3.2 Times, places, workplace, and represented consumers\n\nFederal law ordinarily treats contact before **8 a.m.** or after **9 p.m.** at the consumer’s location as inconvenient. Known actual inconvenience can be more restrictive. A consumer need not use a technical legal phrase; “I cannot talk now” and contextual information can establish knowledge.\n\nPrior consent must satisfy the relevant rule and generally be given directly to the collector. Consent to the original creditor is not a universal substitute. A collector cannot use an already prohibited conversation to obtain a free-standing permission to continue it; asking when contact would be convenient is different. Consumer-initiated contact can permit a limited response without erasing an existing restriction. **C023.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\n**Schmitt** rejected automatic imputation of a creditor’s knowledge of counsel to its collection agent. **Reygadas** separately requires attention to actual agency and principal conduct. These decisions do not justify ignoring information actually transmitted to the collector, nor do they establish that knowledge can never be proved through agency evidence. **C024.** [Justia Law+1](https://law.justia.com/cases/federal/appellate-courts/F3/398/995/597772/)\n\nIowa’s counsel rule is separately applicable. In **Sears**, sending the represented debtor the challenged reaffirmation solicitation was not immunized by the federal bankruptcy context. The court did not decide every independent bankruptcy or professional-responsibility question. **C020.** [FindLaw Caselaw](https://caselaw.findlaw.com/court/us-8th-circuit/1142468.html)\n\n## 3.3 Third parties and location information\n\nFederal §1692c(b)/§1006.6(d) permits communications with the consumer, consumer’s attorney, qualifying credit-reporting agency, creditor, creditor’s attorney, and collector’s attorney, with limited exceptions for direct prior consent, court permission, reasonably necessary postjudgment remedies, and compliant location inquiries.\n\nFor this communication provision, “consumer” includes the spouse, a minor consumer’s parent, legal guardian, executor/administrator of a deceased consumer’s estate, and the specified confirmed successor in interest. **That definition does not make those people personally liable.** **C025.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\nA location inquiry must comply with §1692b/§1006.10: identify the individual caller, state the location purpose, identify the employer only if asked, avoid disclosing the debt, ordinarily contact the person only once, and respect the stated exceptions and counsel limitation. It is not permission to recruit an adult relative or employer to pressure payment. **C026.** [US Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1692b/)\n\n**Cumulative-law example:** Iowa’s employment-verification or counseling exception does not itself satisfy the federal third-party restriction. Conversely, federal inclusion of a spouse does not erase Iowa’s consent/inquiry condition.\n\n## 3.4 Written cease-contact and medium-specific opt-out\n\nA written refusal/cease notice becomes effective upon **receipt**, not merely mailing. An electronic notice through a medium the collector accepts can satisfy the writing requirement. Permitted subsequent communications are confined to advising that efforts are ending, identifying specified remedies ordinarily invoked, or notifying of an intended specified remedy. **C027.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\nA medium-specific request may be oral. Section1006.14(h) has limited exceptions, including the specified electronic opt-out confirmation, a response to consumer-initiated contact through that medium, and legally required communications. It is not an unlimited permission to keep soliciting payment through the rejected channel. **C028.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/)\n\nEvery electronic debt communication or attempt covered by §1006.6(e) must provide a reasonable, simple, free way to opt out of further communications to that address or number. The process cannot demand unrelated personal information. Required validation disclosures cannot simply be sent to an endpoint the consumer has opted out of. **C029.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\n## 3.5 Calls: presumptions, not a universal seven-call allowance\n\nSubject to the rule’s exclusions, a collector is presumed to violate the telephone-frequency prohibition if it:\n\n- Places **more than seven calls within seven consecutive days** to a particular person about a particular debt; or\n- Calls within **seven consecutive days after a telephone conversation** with that person about that debt, with the conversation date counted as day one.\n\nThese are rebuttable presumptions tied to the rule’s harassment provision. Staying below them does not immunize obscene content, inconvenient contact, cumulative cross-channel harassment, or other violations. **C030.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/)\n\nCalls may be excluded where the person gives qualifying direct prior consent for no more than seven consecutive days, the call does not connect, or the recipient is one of the specified professional parties. Consent can expire earlier, be withdrawn, or be exhausted by the resulting conversation. Ringing unanswered calls and voicemail connections generally count; busy/not-in-service calls are different. Texts and emails are not counted as telephone calls under this presumption, but remain subject to other restrictions. The special student-loan account grouping must also be respected. **C031.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/)\n\n## 3.6 Limited-content voicemail and electronic channels\n\n| Channel/feature | Verified federal rule | Limit |\n| --- | --- | --- |\n| **Limited-content message** | Voicemail only, with required non-collection-indicating business name, callback request, natural-person contact name(s), and callback number(s); only specified optional content | A compliant message is an attempt rather than a debt communication for the defined federal purpose; it still counts under applicable call rules and is not an Iowa safe harbor |\n| **Email privacy procedures** | §1006.6(d)(3)–(4) describes procedures relevant to the bona-fide-error defense for third-party disclosure | Not blanket consent, delivery compliance, or TCPA permission |\n| **Consumer-based email route** | Prior consumer use about the debt without opt-out, or direct consent not withdrawn | Actual address and history required |\n| **Creditor-based email route** | Consumer-supplied address, prior account use, no stop request, specified transfer notice and at least thirty-five-day opt-out opportunity, plus domain/work-address conditions | A purchased list or address in a file is insufficient |\n| **Prior-collector email route** | Traceable qualifying acquisition/use and no opt-out | Requires the actual prior route, not an assumption |\n| **Texts** | Consumer use/consent and the specified sixty-day recency or reassigned-number-database conditions | No universal permission from possession of a number |\n| **Employer-provided email** | Generally prohibited when known to be employer-provided, subject to specified §6(d)(4)(i)/(iii) routes | Other workplace and inconvenience restrictions still apply |\n| **Social media** | Publicly or social-contact-visible collection messages/attempts prohibited | Private messaging is not automatically lawful |\n| **Call recording** | If calls are recorded, §1006.100 imposes three-year retention from each call; other compliance records have their own three-year trigger | The rule does not require recording or authorize it under privacy/wiretapping law |\n\n**C032–C035, C052.** [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/)\n\n## 3.7 False representations, postdated instruments, and unfair charges\n\nThe FDCPA/Regulation F prohibit false government or attorney status, false amount or legal status, threats of action that cannot legally be taken or is not intended, simulated legal process, and the other specified deceptive practices. Initial and subsequent collection disclosures have their own formal-pleading and communication qualifications. **C036.** [US Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1692e/)\n\nFor a payment instrument postdated by more than five days, §1006.22(c) requires the written deposit notice within the **three-to-ten-day window excluding Saturdays, Sundays, and §6103(a) legal public holidays**. Soliciting a postdated instrument for threatened criminal prosecution and depositing/threatening deposit before its date are separately prohibited. Hidden communication charges and debt-revealing postcards/envelopes also have specific restrictions. **C037.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/22/)\n\nThe collector may not misrepresent disputed credit information, including failing to communicate that a debt is disputed where §1692e(8) applies. Section1006.30(c) also governs allocation among multiple debts, including disputed debts and consumer instructions. These are narrow communication/payment boundaries only; no full FCRA or allocation report is supplied. **C038.** [US Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1692e/)\n\n# 4. Necessary dispute and validation communication sequence\n\n## 4.1 Three different communications must not be confused\n\n| Communication | Legal function | What it does not do |\n| --- | --- | --- |\n| Iowa assignee demand/assignment information | Identifies the assignee; §537.3204 also addresses notice and requested proof affecting payment to the original creditor | Not a universal thirty-day validation process or proof sufficient for judgment |\n| Federal validation information | Supplies the required debt, itemization, creditor, dispute, and response information | Not an adjudication of ownership or contractual liability |\n| Summons/formal pleading | Judicial process under separate procedural law | Not the federal initial communication merely because it is the first paper received |\n| Credit-report dispute | Separate reporting-law event | Not automatically the same as a timely written dispute sent to the collector |\n\n**C017, C039–C050, C063.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.3204.pdf)\n\n## 4.2 Initial communication and follow-up timing\n\nUnder §1692g and §1006.34, the collector must provide the required validation information:\n\n- In the initial communication through a compliant written/electronic notice;\n- Or orally in the initial communication;\n- Or through the required notice **within five days** afterward.\n\nThe follow-up exception applies where the consumer pays before that notice is required. Formal pleadings and the specified tax, privacy, and data-security notices are excluded from the regulatory definition of initial communication. A qualifying limited-content voicemail is not automatically the initial debt communication. **C039.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\nThe initial follow-up five-day period is not the same calculation as the five-day assumed-receipt rule discussed below.\n\n## 4.3 Required validation contents\n\n| Required field or statement | Qualification |\n| --- | --- |\n| Collection-purpose disclosure | Subject to the statutory/regulatory disclosure rules |\n| Collector’s name and mailing address for disputes/requests | Must be usable for the specified response |\n| Consumer’s name and mailing address | Actual intended recipient must be identified |\n| Creditor at the itemization date | Required for the specified consumer-financial-product/service branch |\n| Current creditor | Distinct from original-creditor information requested later |\n| Account number | May be truncated as allowed |\n| Itemization date and amount at that date | Must use a permitted reference date consistently |\n| Interest, fees, payments, and credits since itemization | Must reconcile to current amount |\n| Current amount | Disclosure does not establish legal entitlement |\n| Validation-period end date | Based on actual or permitted assumed receipt |\n| Right to dispute, request original-creditor information, and obtain the specified response | Writing and timing distinctions must be accurately stated |\n| Consumer-response prompts | Includes debt-not-mine, amount-wrong, other, and original-creditor request options |\n| Electronic dispute/request method when notice is electronic | Must be the provided method contemplated by the rule |\n| CFPB information statement | Required for the specified consumer-financial-product/service branch |\n\n**C040.** The five permitted itemization references are the last statement, charge-off, last payment, transaction, or judgment date, subject to the rule’s conditions. A selected itemization date is **not thereby an accrual, revival, assignment, or credit-reporting date**. Even a third-party payment may qualify for this limited itemization purpose without becoming a debtor acknowledgment. **C041.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\nModel Form B–1 is optional and supplies only its specified content/format and related safe harbors. It does not authenticate the debt. Special residential-mortgage disclosures, optional state-law material, and translations must satisfy their own clauses. A voluntary translation must be complete and accurate; offering a translation can create an obligation to provide it. **C043.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n## 4.4 Receipt, the thirty-day period, and electronic delivery\n\nThe validation period begins when information is provided and ends thirty days after receipt or permitted assumed receipt. The collector may assume receipt on a date **at least five days after provision, excluding Saturdays, Sundays, and the holidays specified in 5 U.S.C. §6103(a)**.\n\nThe thirty-day period is not itself converted into thirty business days. The official interpretation also addresses use of an assumed date despite different actual receipt and resent notices following nondelivery. **C042.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\nRequired written/electronic disclosures generally must be reasonably expected to give actual notice and be retainable. Known nondelivery defeats the assumption that that delivery attempt supplied notice. A discarded, inaccessible, or bounced message is not repaired simply by labeling it “sent.” **C044.** [consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/)\n\n### E-SIGN applies differently to different electronic messages\n\nSection1006.42(b) expressly applies E-SIGN §101(c) to:\n\n- The follow-up validation notice under §1006.34(a)(1)(i)(B);\n- Original-creditor responses under §1006.38(c); and\n- Verification/judgment responses under §1006.38(d)(2)(i).\n\nIts wording does **not** impose that same subsection on every electronic message. The initial-communication validation notice and the duplicate-dispute notification have different cross-references, though actual-notice/retainability and other restrictions remain. **C045.** [consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/)\n\nWhere §7001(c) applies, the actual affirmative-consent, paper/withdrawal/copy disclosures, hardware/software information, demonstrated-access, and changed-technology conditions must be satisfied. A consumer’s ability to email a dispute to an accepted address does not itself prove the collector has the consent needed to email its verification response. [US Code](https://uscode.house.gov/us/usc/119-118/t15/s7001/)\n\n## 4.5 Oral dispute, written dispute, and original-creditor request\n\n| Event | Required step and consequence |\n| --- | --- |\n| Oral dispute within the period | Prevents treating silence as the statutory basis to assume validity, but does not alone trigger the written-dispute collection pause |\n| Written dispute submitted within the period | Upon receipt, collector must cease collection of the debt or disputed portion until it sends verification or a judgment copy through the required method |\n| Written original-creditor request submitted within the period | Upon receipt, collection pauses until the required name/address response |\n| Current creditor equals original creditor | Collector may use the rule’s reasonable-determination, written notification, and reference-to-prior-validation alternative |\n| Accepted electronic dispute/request | Can satisfy “in writing”; accepted email/portal, mail, response form, personal delivery, and courier routes are recognized |\n| Duplicative dispute | Must satisfy the definition: substantially same timely written dispute already answered, with no new material information |\n| Duplicate branch response | Collection still pauses until the permitted explanatory duplicate notice or verification is sent |\n| New identity-theft or payment evidence | Cannot simply be labeled repetitive if it is new and material |\n| No dispute | Not an admission of liability in litigation |\n| Collector does not answer within thirty days | No universal thirty-day collector-response deadline was established; the collector may remain stopped instead of verifying and resuming |\n\n**C046–C050.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\n**Dunham** recognizes that a wrongly targeted person can be a consumer allegedly obligated. Its particular verification ruling does not establish that every internal account printout suffices, that a signed original contract is always required, or that validation equals courtroom proof. **C051.** [FindLaw Caselaw](https://caselaw.findlaw.com/court/us-8th-circuit/1588621.html)\n\nFor a deceased consumer, Regulation F’s official interpretations identify when a named, authorized estate representative receives the validation information or can invoke dispute/original-creditor rights. Relationship alone is not appointment or personal liability. [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\n# 5. Necessary enforcement and private-remedy boundaries\n\n## 5.1 Iowa\n\nSection537.5201(1) gives an eligible consumer a cause of action for actual damages and, in a nonclass action involving an enumerated violation—including §7103—a court-determined penalty of **$100–$1,000**. Its stated lessee exclusion and other conditions remain.\n\n**Public Finance** treats the penalty as **per action, not per call or occurrence**, and does not require actual damages as a prerequisite to that statutory penalty. That does not eliminate coverage, proof, defenses, timeliness, or forum requirements. **C053.** [Iowa Legislature+1](https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf)\n\nThe statute contains separate corrective-action and bona-fide-error defenses. The corrective branch applies to penalties under its stated notice/correction sequence, including correction within forty-five days. The bona-fide-error branch requires the actual statutory showing; it is not established by saying “the computer did it.” **C054.**\n\nUpon a qualifying violation finding, §5201(8) governs costs and reasonable attorney fees based on reasonably expended time. Section5201(4) also preserves rights on the debt except as otherwise provided; misconduct does not automatically erase the obligation. **C055.** [Iowa Legislature](https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf)\n\nThe Attorney General has the relevant investigation and judicial-enforcement powers. Section6113 distinguishes recovery of consumer money expressly recoverable under the chapter, after demand and subject to its conditions, from a court penalty for repeated intentional violations. That latter maximum is **$10,000 under the provision**, not a verified $10,000-per-call consumer award. **C056.** [Iowa Legislature+2](https://www.legis.iowa.gov/docs/code/2026/537.6106.pdf)\n\n## 5.2 Federal\n\nSection1692k provides actual damages caused by the violation and additional damages the court allows, **up to $1,000 in an individual action**. Frequency, persistence, nature, and intent affect the award. It is not $1,000 for each call.\n\nSuccessful-action costs and reasonable attorney fees, the bona-fide-error defense, the statutory advisory-opinion provision, and the bad-faith/harassment fee provision must be treated separately. Class damages have a different statutory structure; no class calculation is made here. **C057.** [US Code](https://uscode.house.gov/us/usc/119-118/t15/s1692k/)\n\n**Hekel** requires a concrete Article III injury in federal court; a statutory allegation and generalized distress assertions did not suffice on its record. The court vacated the merits judgment and required jurisdictional dismissal. It did **not** declare the challenged letter lawful or hold that every state-court statutory claim requires the same federal jurisdictional showing. **C058.** [Justia Law](https://cases.justia.com/federal/appellate-courts/ca8/23-3091/23-3091-2024-10-04.pdf?ts=1728055824)\n\nNo current borrower facts, actual harm, statutory defense, timely claim, or permissible cumulative state/federal recovery is established.\n\n## 5.3 Public complaints\n\nThe Iowa AG and CFPB provide public consumer-complaint routes. Their respective statutory enforcement roles and intake processes are distinct from a civil lawsuit.\n\nA complaint is not:\n\n- A written dispute delivered to the collector merely because the complaint mentions the debt;\n- Service of process;\n- A court stay;\n- A judgment;\n- A guaranteed refund;\n- Or a cure for a missed legal deadline.\n\nNo complaint was submitted. **C059.** [Iowa Attorney General+2](https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint)\n\n# 6. Responsive case and version matrix\n\nThese eight entries also constitute source groups **S007–S014**. All were freshly read on October27,2026 PDT/UTC. Published majority reasoning is distinguished from dissent, factual allegations, and lower-court conclusions. No complete citator or later-treatment audit is claimed.\n\n| Source/case and full literal URL | Court/date/publication | Material facts, narrow majority holding, disposition | Exact read bounds and limits |\n| --- | --- | --- | --- |\n| **S007 — Public Finance Co. v. Van Blaricome** https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html | Iowa Supreme Court, Sept29,1982; **324 N.W.2d716**, published | Original creditor disclosed debt/legal-action information to adult relatives. Location inquiry did not authorize disclosure. Counterclaim relief addressed; affirmed in part, reversed/remanded in part. Statutory penalty is per action. | Majority collection/remedy discussion, **pp.721–726**. Justia republication; HTML body, no PDF-pixel claim. Historical text compared with current selected statute; cure-mailing discussion not used. |\n| **S008 — Degeneffe v. Home Pride Contractors, Inc.** https://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion | Iowa Supreme Court, No.23-1510; Jan24,2025, amended Apr4,2025; published official opinion | Payment at completion plus late charges did not prove granted credit on the record. Consumer judgment reversed; remanded consistently with contractor’s entitlement. | Majority **printed pp.6–12/PDF indices5–11**; selected images at indices6,8,11 inspected. Reporter citation not independently verified. Does not decide every expanded-debt category. |\n| **S009 — Sears, Roebuck & Co. v. O’Brien** https://caselaw.findlaw.com/court/us-8th-circuit/1142468.html | Eighth Circuit, May13,1999; **178 F.3d962**, published | Represented debtor received challenged reaffirmation solicitation. Iowa counsel-contact restriction applied; bankruptcy context did not preempt that restriction. Affirmed. | Majority **II.A.1–2 and III**, displayed body approximately lines111–139. FindLaw republication, no PDF page claim. Independent bankruptcy/ethics violations not decided. |\n| **S010 — Schmitt v. FMA Alliance** https://law.justia.com/cases/federal/appellate-courts/F3/398/995/597772/ | Eighth Circuit, Feb9,2005; **398 F.3d995**, published per curiam | Creditor knowledge of representation was not automatically imputed to collector; actual-knowledge pleading deficient. Dismissal without prejudice affirmed. | **Pp.996–998**, complete relevant majority body. No universal rule against proving knowledge through actual information or agency evidence. |\n| **S011 — Reygadas v. DNF Associates, LLC** Official attempt: https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf Read republication: https://library.nclc.org/system/files/field_media_file/2022-03/Reygadas_v_DNF_Assocs.pdf | Eighth Circuit, Dec14,2020; No.19-3167; published majority, Loken | Outsourcing did not defeat principal-purpose coverage. But actual knowledge, agency, and direct/vicarious liability required separate proof; judgment vacated and remanded. | Majority **printed pp.6–12/indices5–11**; images indices8–11 inspected. Official route failed; actual opinion read on NCLC host. No underlying cited case counted as freshly read. |\n| **S012 — Dunham v. Portfolio Recovery Associates** https://caselaw.findlaw.com/court/us-8th-circuit/1588621.html | Eighth Circuit, Dec15,2011; **663 F.3d997**, published, Smith | Wrongly targeted person was allegedly obligated and could be a consumer. Particular verification, including information exposing the identity mismatch, sufficed on this record. Summary judgment affirmed on different reasoning. | Majority **II.A–B and III**. HTML republication, no PDF claim. Opinion expressly did not resolve every underlying “debt” predicate; no universal litigation-proof standard. |\n| **S013 — Peters v. General Service Bureau, Inc.** https://law.justia.com/cases/federal/appellate-courts/F3/277/1051/521198/ | Eighth Circuit, Jan28,2002; **277 F.3d1051**, published, Murphy | Applied the reasonable unsophisticated-consumer standard to a Nebraska voluntary-appearance letter. Particular letter was not misleading; summary judgment affirmed. | Majority **pp.1054–1056**. No Nebraska service/answer deadline imported into Iowa; not a blanket permission for legal threats. |\n| **S014 — Hekel v. Hunter Warfield, Inc.** https://law.justia.com/cases/federal/appellate-courts/ca8/23-3091/23-3091-2024-10-04.html https://cases.justia.com/federal/appellate-courts/ca8/23-3091/23-3091-2024-10-04.pdf?ts=1728055824 | Eighth Circuit, Oct4,2024; No.23-3091; published, Stras | Challenges to collection-letter charges and validation wording lacked established concrete federal injury on the record. Merits judgment vacated; remanded for jurisdictional dismissal. | Complete seven-page majority parsed; relevant **pp.3–7/indices2–6**, images indices2,5,6 inspected. No conclusion that the letter complied with substantive law. |\n\nSources support their individual holdings, not interchangeable rules. **C062.** [Justia Law+7](https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html)\n\n## 6.1 Regulatory status\n\nThe operative Regulation F provisions were read in the official **2026 CFR edition** and the CFPB’s current rule/official-interpretation pages. The official September1,2021 notice withdrew a proposal to delay the effective date; it did not adopt the proposed January2022 date. The relevant final rules took effect **November30,2021**. **C060.** [GovInfo](https://www.govinfo.gov/content/pkg/FR-2021-09-01/pdf/2021-18799.pdf)\n\nThe eCFR part route encountered an access-request block. It was not bypassed. Official GovInfo and CFPB routes supplied the actual bodies. The 2026 CFR compilation date and file-production date are not legal effective dates.\n\nNo stand-alone CFPB guidance or embedded mortgage bulletin is used as operative authority. The withdrawal status of such unrelied guidance was not certified. The underlying final-rule preambles were not comprehensively reread merely because the CFR and withdrawal notice cite them.\n\n# 7. Five conditional worked models\n\nThese models use fictional facts only. They do not prove a debt, actor status, actual contact, injury, entitlement, or award.\n\n## M01 — Same obligation, different actor\n\n### Shared facts\n\nPlain text\n```\nStipulated unpaid balance:                  $1,000.00\nPurpose:                                   Personal/household\nTransaction:                               Qualifies under the relevant Iowa debt definition\nValidity/identity:                         Stipulated only for this model\nCommunication:                            Threatens arrest unless paid tomorrow\nActual lawful arrest basis:                None\n```\n\n| Branch | Required actor fact | Conditional result |\n| --- | --- | --- |\n| Original creditor, no federal collector status established | Collecting own covered debt | Iowa’s false-threat rule can apply. Federal liability remains unproved until federal status is established. |\n| Third-party agency | Regular collection for another using covered means; no exclusion | Both Iowa and federal false-threat provisions can apply. |\n| Debt buyer using contractors | Principal purpose and actual agency/conduct established | Federal coverage may exist under Reygadas, but liability for this particular threat still requires the relevant proof. |\n\nChanging the actor does not change the stipulated $1,000 balance or create an award. The common failure is assuming either “original creditors are exempt from all collection law” or “every debt buyer is automatically liable under the FDCPA.” **C001–C006, C007, C036.**\n\n## M02 — Representation, workplace, and relatives\n\n### Events\n\nPlain text\n```\nE1: Consumer tells collector directly:\n    “Attorney A represents me about this debt,”\n    and provides counsel’s name and address.\n\nE2: Consumer states:\n    “My employer prohibits personal collection calls here.”\n\nE3: Collector contacts the adult consumer’s mother,\n    says the consumer owes money, and threatens suit.\n\nE4: Collector says it was merely trying to locate the consumer.\n```\n\n### Conditional branches\n\n- **Representation:** E1 supplies actual knowledge on these stipulated facts. No reasonable attorney nonresponse, attorney approval, consumer-direct-consent exception, or court permission is assumed. Both applicable counsel-contact provisions must be satisfied independently.\n- **Workplace:** E2 supplies the relevant workplace knowledge. An otherwise permitted hour does not negate it.\n- **Mother:** She is not stipulated liable, authorized, or a minor’s parent. Neither “family” nor “location inquiry” permits debt disclosure automatically.\n- **Iowa employment exception:** Even if a separate employment-verification inquiry satisfied Iowa’s exception, that would not supply the missing federal third-party permission.\n\n**Adverse branch:** If the original creditor—not the collector—alone knew about counsel, Schmitt prevents automatic imputation. The actual transmitted records and agency facts must be investigated; the answer is not supplied by a label. **C010–C014, C020, C023–C026.**\n\n## M03 — Initial notice, assumed receipt, dispute, and cease-contact\n\n### Stipulated dates and delivery\n\nPlain text\n```\nInitial oral debt communication:            Thursday, May 28, 2026\nFull validation information not given orally.\nNotice mailed to valid last-known address:  Monday, June 1, 2026\nNo nondelivery notice or contrary address knowledge.\n```\n\nThe follow-up was sent on the fourth calendar day after the initial communication:\n\nPlain text\n```\nMay 29 = day 1\nMay 30 = day 2\nMay 31 = day 3\nJune 1 = day 4\n```\n\nAssume the collector uses the permitted five-day receipt assumption:\n\nPlain text\n```\nJune 2, Tuesday = 1\nJune 3, Wednesday = 2\nJune 4, Thursday = 3\nJune 5, Friday = 4\nJune 6–7 = weekend, excluded\nJune 8, Monday = 5\n\nAssumed receipt: June 8, 2026\n```\n\nNo §6103(a) holiday falls within that receipt-count interval.\n\nThe thirty-day period is then calendar-day arithmetic:\n\nPlain text\n```\nJune 9–30 = 22 days\nJuly 1–8 = 8 days\nTotal = 30 days\n\nStated end date: Wednesday, July 8, 2026\n```\n\nJuneteenth and July4 are not removed from that separate thirty-calendar-day count.\n\n### Dispute branches\n\n**Timely accepted email:** On July8 the consumer submits a written dispute to an email address through which the collector accepts consumer communications, and it is received that day. Collection of the disputed debt/portion must pause until the qualifying response is sent.\n\n**Oral dispute only:** It does not automatically invoke the written-dispute pause, though it is not silence and remains relevant to other prohibitions.\n\n**Original-creditor request:** A timely written request independently triggers the corresponding pause and information-response duty.\n\n**No response within thirty days:** The collector does not automatically lose the debt; it cannot resume the paused collection merely because thirty days passed.\n\n**Electronic verification:** Before relying on an emailed response to end the pause, the collector must satisfy the applicable §1006.42/§7001(c) requirements. The consumer’s incoming email does not alone establish those conditions.\n\n**Later written cease-contact:** If a separate cease notice is received July9, sending verification does not erase that independent cease-contact restriction.\n\n**Adverse delivery branch:** A bounce, known wrong address, or materially deficient notice defeats the model’s assumed compliant-delivery premise. **C039–C050.** [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n## M04 — Call frequency, text opt-out, and false amount\n\n### Stipulations\n\nPlain text\n```\nActor: Covered federal collector and covered Iowa collector\nOne person; one debt\nOctober 19–25, 2026: 8 connected calls\nAll connect to ringing or voicemail.\nNo telephone conversation occurs.\nNo qualifying exclusion applies.\n```\n\nPlain text\n```\nCalls during 7 consecutive days: 8\nPresumption threshold: more than 7\n8 > 7\n```\n\nThe federal violation presumption arises; actual rebuttal and other elements remain judicial questions. Seven calls would not automatically legalize harassment.\n\nOn October20 the consumer expressly requests **“No further texts to this number.”** A later payment-demand text is not justified by staying below the telephone-call count. Texts are governed by the medium restriction and opt-out rules even though they are not telephone calls for that count.\n\n### Amount branch\n\nPlain text\n```\nStipulated contractual balance before credit: $1,000.00\nLawfully applied credit:                       -100.00\nCorrect model balance:                         $900.00\nAdditional demanded charge with no proven basis: $50.00\nDemanded amount:                               $950.00\n```\n\nPlain text\n```\nDemanded amount − supported model balance:\n$950.00 − $900.00 = $50.00\n```\n\nThe $50 difference is not legally authorized by arithmetic. If the consumer has not paid it and no other injury is proved, the model does not establish $50 actual damages.\n\nA public social-media message disclosing or attempting to collect the debt creates another distinct issue. A private message is not automatically lawful merely because it avoids public visibility. **C019, C028–C038.**\n\n## M05 — Liability and award units\n\nAssume a timely, eligible individual action, a proven covered communication violation, **$125 in legally attributable actual loss**, and no successful defense. These are separate statutory comparisons, not a cumulative award.\n\n### Iowa branch\n\nPlain text\n```\nActual damages:                               $125.00\nCourt-selected statutory penalty:         $100.00–$1,000.00\n\nComparison range:\n$125.00 + $100.00 =                            $225.00\n$125.00 + $1,000.00 =                        $1,125.00\n```\n\n### Federal branch\n\nPlain text\n```\nActual damages:                               $125.00\nAdditional individual damages:              $0.00–$1,000.00\n\nComparison range:\n$125.00 + $0.00 =                              $125.00\n$125.00 + $1,000.00 =                        $1,125.00\n```\n\nEight calls do not produce eight times either statutory maximum. The same $125 loss is not added twice merely because two laws may apply. Costs, reasonable attorney fees, overlap, and other remedial questions require their own findings.\n\n**No-proved-injury branch:** Iowa’s statutory-penalty analysis under Public Finance and federal Article III standing under Hekel are distinct. A federal statutory allegation alone is not a guaranteed federal-court recovery. **C053–C058.**\n\n# 8. Fourteen smaller failure postures\n\n| Posture | Source/claim | Missing fact | Conditional consequence |\n| --- | --- | --- | --- |\n| **P01 Own creditor says FDCPA exemption permits threats** | C001, C004, C007 | Iowa covered debt | Federal noncoverage does not eliminate Iowa prohibitions |\n| **P02 Cash-due service bill treated as credit** | C002; Degeneffe | Granted deferment/expanded debt category | Unpaid status alone does not establish Iowa coverage |\n| **P03 Adult sibling contacted “for location”** | C010–C011, C026 | Genuine move/location basis and exact words | Debt disclosure is not justified by the label |\n| **P04 Spouse contacted without debtor consent** | C014, C025 | Iowa consent/inquiry condition | Federal consumer definition does not erase Iowa protection |\n| **P05 Employer told account is delinquent** | C013, C025 | Applicable permission/exception | Iowa employment verification does not authorize default disclosure |\n| **P06 Seven calls in one afternoon** | C030 | Pattern and intent | Presumption of compliance can be rebutted; other harassment rules remain |\n| **P07 Busy signal counted like voicemail** | C031 | Connection record | Different counting treatment; no universal call-log assumption |\n| **P08 Consumer says “stop texting” orally** | C028–C029 | Exact scope and receipt | Medium restriction may arise without a formal cease letter |\n| **P09 Cease letter mailed but not received** | C027 | Receipt date | Federal written-cease trigger is not mailing alone |\n| **P10 “I dispute” stated by telephone** | C046–C047 | Subsequent timely writing | Oral dispute and mandatory written-verification pause differ |\n| **P11 Repeat dispute includes identity-theft evidence** | C049, C051 | New/material information | Cannot automatically classify it as duplicative |\n| **P12 Verification emailed after consumer email** | C044–C045 | Applicable E-SIGN consent and delivery | Incoming email alone is insufficient |\n| **P13 Deceased debtor’s adult child demands details** | C025, C051 | Authority to act for estate | Relationship does not prove representative status or liability |\n| **P14 Complaint filed with AG, no collector notice** | C059 | Collector receipt of actual dispute/cease request | Complaint is not automatically the statutory collector notice |\n\n# 9. Source register — non-case authorities\n\n**Common check date:** Every row below was freshly accessed October27,2026 PDT and UTC. Exact individual fetch timestamps are not supplied. “PDF index” is zero-based. These sources were not adopted from unreviewed P11.\n\n| Source ID | Issuer/title and full literal HTTPS URLs | Operative pinpoint, version, actual read extent and limits |\n| --- | --- | --- |\n| **S001** | Iowa Legislature, **2026 Code, selected Chapter537 provisions**. https://www.legis.iowa.gov/docs/code/2026/537.7102.pdf https://www.legis.iowa.gov/docs/code/2026/537.7103.pdf https://www.legis.iowa.gov/docs/code/2026/537.1301.pdf 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/2026/537.3204.pdf https://www.legis.iowa.gov/docs/code/2026/537.5201.pdf https://www.legis.iowa.gov/docs/code/2026/537.6103.pdf https://www.legis.iowa.gov/docs/code/2026/537.6106.pdf https://www.legis.iowa.gov/docs/code/2026/537.6110.pdf https://www.legis.iowa.gov/docs/code/2026/537.6113.pdf | Complete §§7102,7103,1201,1202,3204,5201 and selected administration/enforcement sections; relevant §1301 definitions. §7103 printed pp.1–3/indices0–2; §1201 and §5201 pp.1–2/indices0–1; other one-page sections p.1/index0; §1301 relevant pp.1–3/indices0–2. Actual corresponding images inspected. Section footers Dec12,2025. Not a full Chapter537 or post-compilation enactment audit. |\n| **S002** | U.S. House OLRC, **FDCPA**. https://uscode.house.gov/us/usc/119-118/t15/s1692a/ https://uscode.house.gov/us/usc/119-118/t15/s1692b/ https://uscode.house.gov/us/usc/119-118/t15/s1692c/ https://uscode.house.gov/us/usc/119-118/t15/s1692d/ https://uscode.house.gov/us/usc/119-118/t15/s1692e/ https://uscode.house.gov/us/usc/119-118/t15/s1692f/ https://uscode.house.gov/us/usc/119-118/t15/s1692g/ https://uscode.house.gov/us/usc/119-118/t15/s1692k/ https://uscode.house.gov/us/usc/119-118/t15/s1692l/ https://uscode.house.gov/us/usc/119-118/t15/s1692n/ | Complete relevant definition, location, communication, harassment, deception, unfairness, validation, liability, enforcement, and state-preservation bodies. Display through Public Law119-120, Oct7,2026. HTML, no PDF claim. No entire FDCPA litigation/citator audit. |\n| **S003** | GovInfo, **2026 CFR, Title12, vol.8, Part1006**, plus CFPB current rule/official-interpretation companions. https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1006.pdf https://www.consumerfinance.gov/rules-policy/regulations/1006/2/ https://www.consumerfinance.gov/rules-policy/regulations/1006/6/ https://www.consumerfinance.gov/rules-policy/regulations/1006/10/ https://www.consumerfinance.gov/rules-policy/regulations/1006/14/ https://www.consumerfinance.gov/rules-policy/regulations/1006/18/ https://www.consumerfinance.gov/rules-policy/regulations/1006/22/ https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ https://www.consumerfinance.gov/rules-policy/regulations/1006/104/ | Official January1,2026 CFR edition; selected current companions and official interpretations freshly read. Main bodies: .2 pp.369–370/indices1–2; .6 pp.370–373/2–5; .10 pp.373–374/5–6; .14 pp.374–375/6–7; .18 pp.375–376/7–8; .22 pp.376–377/8–9; .34 pp.378–382/10–14; .38 pp.382–383/14–15; .42/.100/.104 p.383/index15. Images indices1–16 inspected. Selected §.30(c) read only for payment/dispute boundary. Not all47 pages or all commentary comprehensively reviewed. |\n| **S004** | CFPB/Federal Register, **Withdrawal of proposal to delay Regulation F effective date**. https://www.govinfo.gov/content/pkg/FR-2021-09-01/pdf/2021-18799.pdf https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f-withdrawal-proposal-to-delay-effective-date/ | Complete one-page notice, **86 FR48918/PDF index0**, visually inspected. Proposal withdrawal effective Sept1,2021; preserves Nov30,2021 final-rule effective date. This is not an adopted January2022 delay. Full underlying final-rule preambles not separately read. |\n| **S005** | U.S. House OLRC, **E-SIGN, 15 USC7001**. https://uscode.house.gov/us/usc/119-118/t15/s7001/ | §7001(a)–(b), complete relevant (c)(1)–(6). Official current display through Oct7,2026. Narrow electronic-disclosure use; no Iowa UETA or full preemption rerun. |\n| **S006** | U.S. House OLRC, **5 USC6103**. https://uscode.house.gov/us/usc/119-118/t5/s6103/ | Complete subsection(a) holiday list and relevant adjacent distinctions read. Used only where Regulation F expressly incorporates it. No general state-court holiday/calendar conclusion. |\n| **S015** | Iowa Attorney General, **File a Consumer Complaint**. https://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint | Generic complaint/routing body freshly read. Operational source, not a liability rule or deadline. No form entry, submission, private complaint, or file reviewed. |\n| **S016** | CFPB, **Submit a complaint**. https://www.consumerfinance.gov/complaint/ | Generic debt-collection intake/routing information read. No website response target treated as statutory deadline; no submission or actual complaint. |\n\n**S007–S014 are fully registered in the case table.** Their alternate hosts and read limits are part of these same source groups.\n\n### Failed routes and replacement status\n\n| Route | Result and treatment |\n| --- | --- |\n| https://www.ecfr.gov/current/title-12/chapter-X/part-1006 | Redirected to an access-request/block page. No bypass or unchanged loop. Replaced by official GovInfo CFR and CFPB bodies. |\n| https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1006.pdf | Did not supply the document. Correct official volume8 route succeeded. |\n| https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf | Official Reygadas route failed. Actual opinion read through the disclosed NCLC republication. |\n\nNo failed route is treated as evidence that the law or opinion does not exist.\n\n# 10. Atomic claim register — S_IA-P12-C001–C064\n\n“High” describes support for the stated text or narrow holding, not an actual account’s compliance.\n\n| Claim ID | Atomic proposition | Source/pinpoint | Predicate, consequence, confidence and exact gap |\n| --- | --- | --- | --- |\n| **C001** | Iowa collector definition includes self, employer, and third-party collection. | S001 §7102(4)–(5). | High; qualifying debt/conduct required. |\n| **C002** | Iowa debt/credit coverage requires the actual statutory transaction predicates; late payment alone is insufficient. | S001 §§7102(3),1301; S008 pp.6–12. | High; actual contract/purpose absent. |\n| **C003** | Territorial rules and transaction exclusions require separate application. | S001 §§1201–1202. | High text; remote/entity facts absent. |\n| **C004** | Federal debt-collector/debt definitions and exclusions differ from Iowa’s. | S002 §1692a(3)–(6). | High; actual federal status unproved. |\n| **C005** | Outsourced collection can satisfy principal-purpose coverage, but agency and violation remain separate. | S011 pp.6–12. | High narrow holding; no blanket buyer liability. |\n| **C006** | Greater state protection is preserved under the federal consistency rule. | S002 §1692n; S003 .104. | High; specific conflict analysis may still be needed. |\n| **C007** | Iowa prohibits the listed criminal/coercive/false legal threats. | S001 §7103(1)(a),(b),(d)–(f). | High; actual statement/authority required. |\n| **C008** | Iowa’s false-willful-refusal provision includes its stated response/good-faith qualification. | S001 §7103(1)(c). | High; not debt admission or federal cease override. |\n| **C009** | Iowa harassment clauses have their own elements; no fixed call/hour limit established there. | S001 §7103(2). | High text; intent/context needed where specified. |\n| **C010** | Iowa generally requires postdefault written permission for debt disclosure beyond debtor/likely liable person. | S001 §7103(3)(a); S007. | High; listed exceptions and actual liability remain. |\n| **C011** | Iowa location inquiry requires move-related grounds and location-limited content. | S001 §7103(3)(a)(1)–(4). | High; legitimate-business/agent branches separate. |\n| **C012** | Employer/credit-union counseling exception uses three-month limit plus stated receipt/response branches. | S001 §7103(3)(a)(5). | High; no federal permission inferred. |\n| **C013** | Employment verification uses one-month limit and does not authorize disclosure of default. | S001 §7103(3)(a)(6). | High; counseling qualification preserved. |\n| **C014** | Minor/representative and spouse exceptions have different frequency/consent conditions. | S001 §7103(3)(a)(7)–(8). | High; family identity alone insufficient. |\n| **C015** | Iowa restricts public debt lists and debt-revealing communications/mail. | S001 §7103(3)(b)–(c),(6). | High; exact form exceptions, federal law and postal law separate. |\n| **C016** | Iowa initial/subsequent collection disclosures have paragraph-specific exceptions. | S001 §7103(4)(a)–(c). | High; institutional exception not whole-law exemption. |\n| **C017** | Iowa assignee-demand identity and assignment-proof/payment rules differ from federal validation. | S001 §§7103(4)(d),3204. | High; no ownership/admissibility conclusion. |\n| **C018** | Iowa prohibits false amount/status, government endorsement, simulated process, and unlawful fee representations. | S001 §7103(4)(e)–(i). | High; exact words and lawful authority unproved. |\n| **C019** | Iowa collector fees/incidental charges require the stated legal entitlement predicates. | S001 §7103(5)(c)–(d). | High; no actual agreement or charge authorization. |\n| **C020** | Iowa known-counsel restriction has attorney-nonresponse, approval, and debtor-inquiry exceptions. | S001 §7103(5)(e); S009 II.A. | High; actual knowledge/exception evidence absent. |\n| **C021** | Iowa prohibits false marital-liability acknowledgments and qualified undisclosed reaffirmation solicitation. | S001 §7103(5)(a)–(b). | High; federal bankruptcy enforceability not established. |\n| **C022** | Actual notice of the specified pending workers’ compensation proceeding triggers a narrow collection prohibition. | S001 §7103(7). | High; no actual proceeding or full sector analysis. |\n| **C023** | Federal time/place/workplace restrictions depend on actual or constructive knowledge and stated exceptions. | S002 §1692c(a); S003 .6(b). | High; default hours do not erase known inconvenience. |\n| **C024** | Federal counsel restriction requires the relevant knowledge; creditor knowledge is not automatically imputed. | S002 §1692c(a)(2); S003 .6(b)(2); S010. | High; actual agency/information may change facts. |\n| **C025** | Federal third-party restrictions and expanded communication “consumer” definition are limited. | S003 .6(a),(d); S002 §1692c. | High; does not create relatives’ personal liability. |\n| **C026** | Federal location inquiries have identity, content, frequency, and counsel restrictions. | S002 §1692b; S003 .10. | High; exceptions require facts. |\n| **C027** | Written refusal/cease operates on receipt, including accepted electronic routes, with three stated exceptions. | S002 §1692c(c); S003 .6(c). | High; no universal debt cancellation/stay. |\n| **C028** | A person may request medium-specific cessation orally; narrow exceptions remain. | S003 .14(h) and comments. | High; actual request scope and channel needed. |\n| **C029** | Electronic contact requires simple free endpoint opt-out; opted-out endpoints cannot simply carry required disclosures. | S003 .6(e), .42 comment1–4. | High; actual message/interface absent. |\n| **C030** | Federal seven-call/seven-day rules create rebuttable presumptions, not blanket permission. | S003 .14(b)(1)–(2). | High; person/debt/conversation and pattern required. |\n| **C031** | Call exclusions, connection treatment, consent duration, and student-loan grouping affect the count. | S003 .14(b)(3)–(4), comments. | High; actual call records absent. |\n| **C032** | Limited-content message is a narrowly specified voicemail, not an Iowa-wide safe harbor. | S003 .2(j), .14(b). | High; actual content and state classification needed. |\n| **C033** | Email procedures address a particular third-party-disclosure error defense, not universal consent. | S003 .6(d)(3)–(4). | High; creditor/prior-collector route evidence absent. |\n| **C034** | Text-number procedures require specified consumer use/consent and recency/reassignment safeguards. | S003 .6(d)(5). | High; sixty-day and database conditions fact-dependent. |\n| **C035** | Employer email and publicly visible social collection have specific restrictions. | S003 .22(f)(3)–(4). | High; private contact still subject to other rules. |\n| **C036** | Federal false identity, amount, legal threat, and collection-disclosure rules apply independently. | S002 §1692e; S003 .18. | High; actual actor/debt/representation required. |\n| **C037** | Postdated instruments, concealed charges, postcards and envelopes have distinct unfair-practice rules. | S002 §1692f; S003 .22. | High; three-to-ten-day counting applies only to stated notice. |\n| **C038** | Disputed-credit communication and multiple-debt allocation have narrow separate duties. | S002 §1692e(8); S003 .30(c). | High; full FCRA/allocation analysis excluded. |\n| **C039** | Validation must be provided initially or within five days, subject to actual exceptions. | S002 §1692g; S003 .34(a),(b)(2). | High; actual initial communication and payment facts absent. |\n| **C040** | Validation contents include required identity, itemization, amount, rights, deadline and response information. | S003 .34(c). | High; conditional product/service fields preserved. |\n| **C041** | Itemization date is a limited disclosure reference, not an accrual/revival/reporting determination. | S003 .34(b)(3), comments. | High; actual selected date and underlying clocks unproved. |\n| **C042** | Assumed receipt excludes specified nonbusiness days; the ensuing thirty-day period is separate. | S003 .34(b)(5); S006 §6103(a). | High; actual delivery and allowed assumption required. |\n| **C043** | Clear/conspicuous, model-form, translation and special-form provisions have limited scope. | S003 .34(b)(1),(d),(e). | High; no form approval or mortgage-package certification. |\n| **C044** | Required notices generally must be likely to give actual notice and be retainable; known nondelivery matters. | S003 .42(a), comments. | High; specific .42(a)(2) exceptions retained. |\n| **C045** | E-SIGN subsection(c) applies to the specifically enumerated electronic disclosures. | S003 .42(b); S005 §7001(c). | High; not every email; actual consent/access absent. |\n| **C046** | Oral dispute and timely written dispute have different statutory effects. | S002 §1692g(a)–(b); S003 .38. | High; actual words and timely submission needed. |\n| **C047** | Receipt of timely written dispute requires collection pause until qualifying verification/judgment response. | S003 .38(d)(2)(i). | High; response is not courtroom proof. |\n| **C048** | Timely original-creditor request creates its own pause and response alternatives. | S003 .38(c). | High; same-current/original exception requires reasonable determination. |\n| **C049** | Duplicate-dispute exception requires prior qualifying response and no new material information. | S003 .38(a)(1),(d)(2)(ii). | High; cannot automatically disregard new identity/payment evidence. |\n| **C050** | Silence is not legal admission; no universal thirty-day collector-response deadline is established. | S002 §1692g(c); S003 .38(d). | High; collection may remain paused. |\n| **C051** | Wrong-person and deceased-consumer cases require actual alleged-obligation/estate-authority analysis. | S012; S003 .34/.38 comments,.6(a). | High gateway; no identity, liability or appointment proved. |\n| **C052** | RegF retention applies to compliance records and recorded calls but does not authorize recording. | S003 .100. | High; other privacy/TCPA law remains open. |\n| **C053** | Iowa enumerated-conduct remedy has actual damages and nonclass $100–$1,000 per-action penalty. | S001 §5201(1); S007 pp.725–726. | High; eligibility, defenses and court finding required. |\n| **C054** | Iowa correction and bona-fide-error defenses are distinct and conditional. | S001 §5201(6)–(7). | High; no actual defense proved. |\n| **C055** | Iowa fee/cost relief and preservation of debt rights are separately governed. | S001 §5201(4),(8). | High; no automatic fee award or debt erasure. |\n| **C056** | AG investigation, injunction and public penalty differ from private recovery. | S001 §§6103,6106,6110,6113. | High; public maximum not consumer payment. |\n| **C057** | Federal individual additional damages are court-selected up to $1,000 per action, with separate defenses/fees. | S002 §1692k. | High; actual loss, success, jurisdiction and defenses required. |\n| **C058** | Federal Article III requires concrete injury; statutory violation alone is insufficient on Hekel’s record. | S014 pp.3–7. | High narrow holding; not a universal state-standing rule. |\n| **C059** | Public complaints are not collector notices, judicial filings, stays or guaranteed awards. | S015–S016; S002 §1692l. | High procedural distinction; no complaint submitted. |\n| **C060** | RegF final-rule effectivity remained Nov30,2021 after proposed-delay withdrawal. | S004,86FR48918. | High; proposal not operative delay. |\n| **C061** | Currentness rests on selected2026 bodies, not a complete Iowa/federal later-law audit. | S001–S006 version records. | Confirmed limitation; administrative/case-treatment gaps remain. |\n| **C062** | Eight case holdings are used only within their stated facts, posture and read bounds. | S007–S014. | No full citator or unseen underlying-case read. |\n| **C063** | Validation, assignment proof, contractual demand, summons and CRA dispute are different legal events. | S001 §3204; S002 §1692g(d)–(e); S003 .34,.38. | High distinction; broader evidence/court/reporting work excluded. |\n| **C064** | No actual actor, debt, message, knowledge, consent, notice, record, loss or recovery is established. | Research scope. | No operational, account-validity or acceptance conclusion. |\n\n# 11. Complete coverage and gap reconciliation\n\n| Coverage | Status | Claims | Exact missing evidence / next action |\n| --- | --- | --- | --- |\n| **CV01 Iowa own-creditor coverage** | Answered conditionally | C001–C002 | Actual covered obligation and conduct |\n| **CV02 Agency/buyer/servicer/attorney classification** | Partial | C001,C004–C005 | Actual capacity, business purpose, acquisition and agency facts |\n| **CV03 Consumer purpose and credit predicates** | Partial | C002 | Actual transaction and deferment terms |\n| **CV04 Iowa exclusions/territory** | Partial | C003 | Location, institution and special-transaction facts |\n| **CV05 Federal definitions/exclusions** | Answered at statutory gateway | C004 | Actual exclusion predicates |\n| **CV06 State-law preservation** | Answered | C006 | Specific conflict if one arises |\n| **CV07 Illegal threats/coercion** | Answered | C007–C008 | Actual threat, authority and contextual proof |\n| **CV08 Iowa harassment/intent** | Answered at rule level | C009 | Pattern, timing, words and intent evidence |\n| **CV09 State numerical call cap** | Not established | C009 | No cap inferred from federal law; further state authority if asserted |\n| **CV10 Third-party baseline** | Answered | C010 | Permission, liability and exact disclosure |\n| **CV11 Location inquiry** | Answered conditionally | C011,C026 | Move/location grounds and communication content |\n| **CV12 Employer counseling** | Answered with conditions | C012 | Purpose, dates, responses and federal permission |\n| **CV13 Employment verification** | Answered with conditions | C013 | Frequency and whether default was disclosed |\n| **CV14 Family/representatives** | Answered conditionally | C014,C025 | Relationship, liability, consent or authority |\n| **CV15 Envelopes/public lists/postal** | Partial | C015,C037 | Actual material; full postal law not investigated |\n| **CV16 Iowa initial disclosures/exceptions** | Answered | C016 | Actual actor and message |\n| **CV17 Assignee identity/information** | Answered gateway | C017 | Actual demand, notice and proof request |\n| **CV18 False amount/authority/process** | Answered | C018,C036 | Actual representation and legal basis |\n| **CV19 Unauthorized charges** | Answered as predicates | C019,C037 | Agreement and legal entitlement; no fee report rerun |\n| **CV20 Iowa counsel contact** | Answered conditionally | C020 | Knowledge, attorney response/approval, inquiry |\n| **CV21 Reaffirmation/family liability** | Partial boundary | C021 | Bankruptcy and liability merits remain later work |\n| **CV22 Workers’ compensation notice** | Narrow gateway only | C022 | Actual notice/proceeding; sector merits excluded |\n| **CV23 Federal time/place/workplace** | Answered conditionally | C023 | Local time, knowledge, employer rule and consent |\n| **CV24 Federal representation** | Answered conditionally | C024 | Actual knowledge and agency evidence |\n| **CV25 Federal third parties** | Answered conditionally | C025–C026 | Consent, court order, representative or location exception |\n| **CV26 Written cease/refusal** | Answered | C027 | Content, accepted medium and receipt |\n| **CV27 Oral medium-specific request** | Answered | C028 | Exact scope and exception |\n| **CV28 Electronic endpoint opt-out** | Answered | C029 | Actual mechanism and subsequent transmissions |\n| **CV29 Federal frequency presumptions** | Answered | C030 | Person/debt grouping, calls and conversation dates |\n| **CV30 Excluded/connected calls** | Answered | C031 | Logs, connection, consent and recipient |\n| **CV31 Limited-content message** | Answered narrowly | C032 | Actual voicemail; no Iowa/TCPA safe harbor |\n| **CV32 Email procedures** | Answered conditionally | C033 | Consumer/creditor/prior-collector history and notice |\n| **CV33 Text/reassigned-number safeguards** | Answered conditionally | C034 | Actual sixty-day or database predicates |\n| **CV34 Employer email/social media** | Answered | C035 | Endpoint knowledge, visibility and exception |\n| **CV35 Postdated instruments** | Answered at rule level | C037 | Instrument/deposit dates and notice; no calendar computed |\n| **CV36 Disputed reporting/payment allocation** | Narrow boundary only | C038 | Full FCRA/allocation remains separate |\n| **CV37 Initial validation event** | Answered | C039 | Actual first communication and exclusions |\n| **CV38 Required validation contents** | Answered | C040 | Actual notice and conditional product/service fields |\n| **CV39 Itemization date** | Answered as limited function | C041 | Actual chosen date; other clocks excluded |\n| **CV40 Five-day/receipt/thirty-day counting** | Answered for stipulated model | C042 | Actual delivery, holiday and assumption facts |\n| **CV41 Clear/conspicuous/form/translation** | Answered conditionally | C043 | Actual rendering, translation and special mortgage branch |\n| **CV42 Delivery/retainability/bounce** | Answered | C044 | Actual delivery logs and retained form |\n| **CV43 E-SIGN consent** | Answered gateway | C045 | Actual affirmative consent/access/change records |\n| **CV44 Oral versus written dispute** | Answered | C046 | Actual submission, writing and timing |\n| **CV45 Verification pause** | Answered | C047 | Receipt, disputed portion and compliant response |\n| **CV46 Original-creditor request** | Answered | C048 | Timely request and correct response |\n| **CV47 Duplicate/new-information dispute** | Answered conditionally | C049 | Earlier response and materiality of new facts |\n| **CV48 Silence/response deadline** | Answered | C050 | No actual admission or collection-resumption entitlement |\n| **CV49 Wrong person/identity theft/deceased** | Partial | C051 | Identity, evidence and estate authority |\n| **CV50 Recording/records** | Answered limited retention rule | C052 | Recording permission, privacy/TCPA and actual records remain open |\n| **CV51 Iowa private remedy/defenses/fees** | Answered gateway | C053–C055 | Eligible consumer, proof, timeliness, defense and award |\n| **CV52 AG/public enforcement** | Answered gateway | C056 | Actual investigation, demand or court order |\n| **CV53 Federal damages/standing** | Answered gateway | C057–C058 | Concrete injury, causation, defense, forum and award |\n| **CV54 Public complaint routes** | Answered procedurally | C059 | No actual submission; collector notice remains separate |\n| **CV55 Published cases and currentness** | Partial | C060–C062 | Complete later-law, administrative-rule and citator audits |\n| **CV56 Five worked models/fourteen postures** | Completed conditionally | Relevant claims | Fictional premises cannot establish actual compliance |\n| **CV57 Proof/assignment/litigation/limitations** | Excluded beyond necessary gateway | C017,C047,C063 | Separate evidentiary, court and limitation passes |\n| **CV58 Full FCRA/TCPA/privacy/secured sectors** | Excluded beyond stated boundaries | C035,C038,C052 | Full statutes, regulations, cases and actual channel/sector facts |\n| **CV59 Local/tribal/international/special sectors** | Excluded except identified Iowa branches | C003,C022,C025 | Governing jurisdiction and special authority |\n| **CV60 Actual status and acceptance** | Unresolved | C064 | No actual actor/account/communication; no component or parent approval |\n\n# 12. Contribution crosswalk and researcher self-check\n\n## 12.1 Contribution to the reviewed remainder\n\n| Authorized remainder | PASS-12 contribution | Still open |\n| --- | --- | --- |\n| P01’s broad collection remainder | Fresh Iowa conduct coverage and complete relevant §7103 communication branches | Actual actor/debt classification and full state collection compliance |\n| Parent category2 communications/conduct | State/federal cumulative matrix, knowledge and instruction triggers, electronic and third-party boundaries | Full reporting, TCPA/privacy, specialized sectors and local/tribal law |\n| Necessary documentation/validation events | Initial information, written dispute/original-creditor response, delivery and pause rules | Evidentiary ownership, admissibility, courtroom proof and full credit-report disputes |\n| Public/private consequence gateway | Conditional Iowa/federal remedies, defenses, standing and complaint distinctions | Actual claims, limitation calculations, recovery, court procedure and enforcement |\n\nThe crosswalk adds no extra accepted coverage.\n\n## 12.2 Actually read\n\nFresh source work included the complete relevant Iowa conduct and definition bodies, selected transaction/exclusion and remedy provisions, the identified FDCPA sections, operative Regulation F clauses and selected official interpretations, the official proposed-delay withdrawal notice, E-SIGN and incorporated holiday provisions, and the eight published opinion bodies within their stated read bounds.\n\nActual PDF images were inspected only for the pages identified in the source and case registers. Companion formats and repeated sections are not independent authorities.\n\n## 12.3 Not established\n\nThe following remain expressly unverified:\n\n- A complete post-compilation Iowa session-law or administrative-rule audit.\n- A complete later federal amendment, litigation, or citator audit.\n- Every original Regulation F adoption preamble or later rulemaking.\n- Any state-specific numerical call limit beyond the text actually read.\n- Any current authoritative approval of a particular email, text, voicemail, portal, or recording system.\n- Actual consent, representation, employer restrictions, location purpose, receipt, verification, identity, estate authority, or contact history.\n- Any actual debt, assignment, lawful fee, limitation status, account balance, payment, injury, defense, or award.\n- Full FCRA, TCPA, recording/privacy, bankruptcy, secured-debt, workers’ compensation, professional-responsibility, court, local, tribal, or international treatment.\n- The status of unrelied stand-alone CFPB guidance embedded in official commentary references.\n- The underlying cases or agency materials quoted inside an opinion merely because that opinion cites them.\n\nTargeted searches did not establish a responsive new Iowa collection-communication amendment or separate controlling administrative conduct rule beyond the bodies used. That is a bounded search result, not proof that no such authority exists.\n\n## 12.4 Actions not taken\n\nNo actual provider, entity, license, borrower, account, property, complaint, docket, case status, or private record was queried. Published opinions were accessed as legal authorities only.\n\nNo filing, contact, form submission, payment, account change, browser control, local write, hash verification, publication, other-chat action, or independent review occurred. No unseen model/mode claim is made.\n\n**Disposition:** This pass supplies a source-supported communications/conduct component and the necessary validation-event gateway. It does not establish lawful collection of an actual debt, a permitted contact, a legitimate balance, a valid fee, a recovery amount, operational permission, component acceptance, Iowa acceptance, parent acceptance, A066 acceptance, or publication readiness.\n\nEND S_IA PASS-12\n\n","tables":[{"headers":["Actor/activity","Iowa conduct gateway","Federal gateway","Required facts and limits"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor/activity","Iowa conduct gateway","Federal gateway","Required facts and limits"],["Original creditor collecting its own receivable","Potentially covered by self-collection definition","Not automatically covered; false-name and principal-purpose issues remain possible","Qualifying debt, actual business and conduct"],["Third-party collection agency","Potentially covered","Usually requires principal-purpose/regular-collection and interstate-commerce/mail predicates, subject to exclusions","Actual role, debt type, frequency and capacity"],["Defaulted-debt purchaser","Ownership does not remove Iowa conduct coverage","Principal-purpose analysis may apply even where collection is outsourced","Portfolio activity, business purpose, agency and actual conduct"],["Servicer","No universal Iowa pre-default-servicer exclusion established","Default status when obtained and other statutory exclusions matter","Acquisition timing, ownership and capacity"],["Employee or affiliate","Employer collection is expressly included in Iowa definition","Employee/affiliate exclusions are conditional","Relationship, name used, principal business and whom it collects for"],["Attorney","No label-based Iowa exemption","No current categorical attorney exemption in the definition","Actual collection activity, capacity and communication"],["Nonprofit or counselor","No blanket label exemption","Particular nonprofit-counseling exclusion has statutory conditions","Whether it receives/distributes funds and performs the qualifying service"],["Debt-management intermediary","Its separate collection conduct must be classified","Its actual activity must satisfy federal definition","A Chapter 533A role does not answer this question"],["Public or specially regulated actor","Transaction and actor exclusions require analysis","Government and other exclusions are limited by text","Exact institution, capacity and transaction"],["Wrongly identified person","“Actual or alleged” obligation can bring conduct within the framework","A person allegedly obligated can be a consumer for the relevant provisions","Does not prove the debt belongs to that person"]]},{"headers":["Iowa provision","Prohibition and required element","Exception or important qualification"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Iowa provision","Prohibition and required element","Exception or important qualification"],["§7103(1)(a)–(b)","Force, violence, criminal means, or false criminal accusation/threat","No actual threat is supplied"],["§7103(1)(c)","False accusation that a debtor willfully refuses a just debt","Text deems failure to reply and failure to negotiate disputes in good faith willful refusal; this is not a debt-validity admission or an override of federal cease-contact rights"],["§7103(1)(d)","Threatened transfer implying harsh, vindictive, or abusive collection","A lawful assignment is not itself the prohibited conduct"],["§7103(1)(e)–(f)","False arrest/seizure/garnishment threats; action or threatened action prohibited by law","Actual legal authority and intended action matter"],["§7103(2)(a)","Profane/obscene language or the specified abusive, breach-of-peace language","Do not replace the statutory wording with a universal intent requirement for every listed act"],["§7103(2)(b)–(c)","Calls without identifying the represented business; deceptive concealment that causes communication charges","Different from a lawful, properly limited voicemail analysis under federal law"],["§7103(2)(d)","Repeated/continuous calls or conversations, unusual hours, or known inconvenient times, with intent to annoy, harass, or threaten","No numerical Iowa call cap or universal state 8 a.m.–9 p.m. rule was established"],["§7103(4)(a), (c), (i)","False business identity, deceptive “valuable information” bait, or misleading business/status/service descriptions","A DBA, license, or notification entry does not authorize deceptive identity"],["§7103(4)(d)","Failure to disclose assignee’s name and full business address when demanding payment","Disclosure is not proof of ownership"],["§7103(4)(e)–(h)","Intentional misrepresentation or false impressions about amount/status; government affiliation/bonding; simulated legal documents; unlawful fee additions","A collection notice cannot manufacture legal authority"],["§7103(5)(a)","Obtaining a false acknowledgment that an obligation is chargeable to marital property","Actual liability remains a separate merits question"],["§7103(5)(b)","Seeking reaffirmation of a discharged obligation without the stated disclosures","Exception for voluntarily written and offered promises does not establish federal reaffirmation enforceability"],["§7103(5)(c)–(d)","Collector fees and incidental charges without the required legal entitlement and agreement/other-law basis","Collector policy or a mathematical percentage is insufficient"],["§7103(5)(e)","Direct debtor communication with known counsel whose name/address is known or easily ascertainable","Counsel’s reasonable failure to respond/discuss, counsel’s prior approval, or an ordinary-course response to the debtor’s inquiry"],["§7103(6)","Written collection communications violating postal law","No full postal-law analysis performed"],["§7103(7)","Specified employee/dependent medical collection after actual notice of a pending contested workers’ compensation liability proceeding","Narrow sector-specific trigger; not a blanket medical-debt rule"]]},{"headers":["Exception or restriction","Exact boundary"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exception or restriction","Exact boundary"],["Credit-reporting/agent notice","Collector may tell the debtor it may report to a credit bureau or retain an agent/attorney"],["Legitimate business recipient","Reporting to a credit-reporting agency or someone reasonably believed to have a legitimate business need is excepted from this paragraph; other law still applies"],["Agent or attorney","Engaging an agent or attorney is permitted by the stated exception"],["Location inquiry","Reasonable grounds to believe the debtor moved; content restricted to requesting location"],["Employer/credit-union counseling","At most once in a three-month period for obtaining counseling services; one receipt inquiry if unanswered; responses to incoming communications permitted"],["Employment verification","Once in a one-month period; may disclose existence of debt, not default, subject to the counseling exception"],["Minor’s parents/trustee/conservator/guardian","Once in a three-month period, plus responses to their inquiries"],["Spouse","Debtor consent or response to spouse inquiry"],["Public “deadbeat” lists/debt-for-sale advertisement naming debtor","Prohibited"],["Debt-exposing communication or envelope","Restricted under the exact court-process/telegram/plain-envelope language; another law may be stricter"]]},{"headers":["Consumer/contact event","Federal trigger","Required response","What it does not establish"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Consumer/contact event","Federal trigger","Required response","What it does not establish"],["“This time/place is inconvenient”","Collector knows or should know inconvenience","Stop prohibited contact/attempts at that time/place, subject to the rule’s exceptions","Not necessarily an all-channel permanent cease"],["Employer prohibits such contact","Collector knows or has reason to know prohibition","Do not communicate at the workplace under the prohibited conditions","Does not authorize revealing the debt to an employer"],["Representation by counsel","Collector knows representation; counsel’s identity/address known or readily ascertainable","Communicate through counsel unless applicable consent/court/nonresponse exception","Creditor knowledge is not automatically agency knowledge"],["Oral request not to use a medium","§1006.14(h), request by a person","Stop that medium or specified number/address, subject to narrow exceptions","Not automatically a written refusal or all-contact cease"],["Written refusal to pay or written cease-contact","Receipt by collector; accepted electronic medium can qualify","Cease communications and attempts respecting the debt, subject to three stated exceptions","Does not cancel the debt or necessarily prohibit all lawful noncommunication acts"],["Oral dispute during validation period","Federal statute distinguishes validity assumption from written-verification trigger","Do not treat the debt as undisputed for the statutory assumption","Does not alone trigger §1006.38’s written-dispute collection pause"],["Timely written dispute","Submitted within validation period; collector’s receipt triggers duty","Pause collection of debt/disputed part until qualifying response is sent","No automatic debt cancellation or mandatory response within thirty days"],["Timely written original-creditor request","Same submission/receipt distinction","Pause collection until required original-creditor information response","Not a demand for every litigation exhibit"]]},{"headers":["Channel/feature","Verified federal rule","Limit"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Channel/feature","Verified federal rule","Limit"],["Limited-content message","Voicemail only, with required non-collection-indicating business name, callback request, natural-person contact name(s), and callback number(s); only specified optional content","A compliant message is an attempt rather than a debt communication for the defined federal purpose; it still counts under applicable call rules and is not an Iowa safe harbor"],["Email privacy procedures","§1006.6(d)(3)–(4) describes procedures relevant to the bona-fide-error defense for third-party disclosure","Not blanket consent, delivery compliance, or TCPA permission"],["Consumer-based email route","Prior consumer use about the debt without opt-out, or direct consent not withdrawn","Actual address and history required"],["Creditor-based email route","Consumer-supplied address, prior account use, no stop request, specified transfer notice and at least thirty-five-day opt-out opportunity, plus domain/work-address conditions","A purchased list or address in a file is insufficient"],["Prior-collector email route","Traceable qualifying acquisition/use and no opt-out","Requires the actual prior route, not an assumption"],["Texts","Consumer use/consent and the specified sixty-day recency or reassigned-number-database conditions","No universal permission from possession of a number"],["Employer-provided email","Generally prohibited when known to be employer-provided, subject to specified §6(d)(4)(i)/(iii) routes","Other workplace and inconvenience restrictions still apply"],["Social media","Publicly or social-contact-visible collection messages/attempts prohibited","Private messaging is not automatically lawful"],["Call recording","If calls are recorded, §1006.100 imposes three-year retention from each call; other compliance records have their own three-year trigger","The rule does not require recording or authorize it under privacy/wiretapping law"]]},{"headers":["Communication","Legal function","What it does not do"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Communication","Legal function","What it does not do"],["Iowa assignee demand/assignment information","Identifies the assignee; §537.3204 also addresses notice and requested proof affecting payment to the original creditor","Not a universal thirty-day validation process or proof sufficient for judgment"],["Federal validation information","Supplies the required debt, itemization, creditor, dispute, and response information","Not an adjudication of ownership or contractual liability"],["Summons/formal pleading","Judicial process under separate procedural law","Not the federal initial communication merely because it is the first paper received"],["Credit-report dispute","Separate reporting-law event","Not automatically the same as a timely written dispute sent to the collector"]]},{"headers":["Required field or statement","Qualification"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Required field or statement","Qualification"],["Collection-purpose disclosure","Subject to the statutory/regulatory disclosure rules"],["Collector’s name and mailing address for disputes/requests","Must be usable for the specified response"],["Consumer’s name and mailing address","Actual intended recipient must be identified"],["Creditor at the itemization date","Required for the specified consumer-financial-product/service branch"],["Current creditor","Distinct from original-creditor information requested later"],["Account number","May be truncated as allowed"],["Itemization date and amount at that date","Must use a permitted reference date consistently"],["Interest, fees, payments, and credits since itemization","Must reconcile to current amount"],["Current amount","Disclosure does not establish legal entitlement"],["Validation-period end date","Based on actual or permitted assumed receipt"],["Right to dispute, request original-creditor information, and obtain the specified response","Writing and timing distinctions must be accurately stated"],["Consumer-response prompts","Includes debt-not-mine, amount-wrong, other, and original-creditor request options"],["Electronic dispute/request method when notice is electronic","Must be the provided method contemplated by the rule"],["CFPB information statement","Required for the specified consumer-financial-product/service branch"]]},{"headers":["Event","Required step and consequence"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","Required step and consequence"],["Oral dispute within the period","Prevents treating silence as the statutory basis to assume validity, but does not alone trigger the written-dispute collection pause"],["Written dispute submitted within the period","Upon receipt, collector must cease collection of the debt or disputed portion until it sends verification or a judgment copy through the required method"],["Written original-creditor request submitted within the period","Upon receipt, collection pauses until the required name/address response"],["Current creditor equals original creditor","Collector may use the rule’s reasonable-determination, written notification, and reference-to-prior-validation alternative"],["Accepted electronic dispute/request","Can satisfy “in writing”; accepted email/portal, mail, response form, personal delivery, and courier routes are recognized"],["Duplicative dispute","Must satisfy the definition: substantially same timely written dispute already answered, with no new material information"],["Duplicate branch response","Collection still pauses until the permitted explanatory duplicate notice or verification is sent"],["New identity-theft or payment evidence","Cannot simply be labeled repetitive if it is new and material"],["No dispute","Not an admission of liability in litigation"],["Collector does not answer within thirty days","No universal thirty-day collector-response deadline was established; the collector may remain stopped instead of verifying and resuming"]]},{"headers":["Source/case and full literal URL","Court/date/publication","Material facts, narrow majority holding, disposition","Exact read bounds and limits"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Source/case and full literal URL","Court/date/publication","Material facts, narrow majority holding, disposition","Exact read bounds and limits"],["S007 — Public Finance Co. v. Van Blaricome\nhttps://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","Iowa Supreme Court, Sept29,1982; 324 N.W.2d716, published","Original creditor disclosed debt/legal-action information to adult relatives. Location inquiry did not authorize disclosure. Counterclaim relief addressed; affirmed in part, reversed/remanded in part. Statutory penalty is per action.","Majority collection/remedy discussion, pp.721–726. Justia republication; HTML body, no PDF-pixel claim. Historical text compared with current selected statute; cure-mailing discussion not used."],["S008 — Degeneffe v. Home Pride Contractors, Inc.\nhttps://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion","Iowa Supreme Court, No.23-1510; Jan24,2025, amended Apr4,2025; published official opinion","Payment at completion plus late charges did not prove granted credit on the record. Consumer judgment reversed; remanded consistently with contractor’s entitlement.","Majority printed pp.6–12/PDF indices5–11; selected images at indices6,8,11 inspected. Reporter citation not independently verified. Does not decide every expanded-debt category."],["S009 — Sears, Roebuck & Co. v. O’Brien\nhttps://caselaw.findlaw.com/court/us-8th-circuit/1142468.html","Eighth Circuit, May13,1999; 178 F.3d962, published","Represented debtor received challenged reaffirmation solicitation. Iowa counsel-contact restriction applied; bankruptcy context did not preempt that restriction. Affirmed.","Majority II.A.1–2 and III, displayed body approximately lines111–139. FindLaw republication, no PDF page claim. Independent bankruptcy/ethics violations not decided."],["S010 — Schmitt v. FMA Alliance\nhttps://law.justia.com/cases/federal/appellate-courts/F3/398/995/597772/","Eighth Circuit, Feb9,2005; 398 F.3d995, published per curiam","Creditor knowledge of representation was not automatically imputed to collector; actual-knowledge pleading deficient. Dismissal without prejudice affirmed.","Pp.996–998, complete relevant majority body. No universal rule against proving knowledge through actual information or agency evidence."],["S011 — Reygadas v. DNF Associates, LLC\nOfficial attempt: https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf\nRead republication: https://library.nclc.org/system/files/field_media_file/2022-03/Reygadas_v_DNF_Assocs.pdf","Eighth Circuit, Dec14,2020; No.19-3167; published majority, Loken","Outsourcing did not defeat principal-purpose coverage. But actual knowledge, agency, and direct/vicarious liability required separate proof; judgment vacated and remanded.","Majority printed pp.6–12/indices5–11; images indices8–11 inspected. Official route failed; actual opinion read on NCLC host. No underlying cited case counted as freshly read."],["S012 — Dunham v. Portfolio Recovery Associates\nhttps://caselaw.findlaw.com/court/us-8th-circuit/1588621.html","Eighth Circuit, Dec15,2011; 663 F.3d997, published, Smith","Wrongly targeted person was allegedly obligated and could be a consumer. Particular verification, including information exposing the identity mismatch, sufficed on this record. Summary judgment affirmed on different reasoning.","Majority II.A–B and III. HTML republication, no PDF claim. Opinion expressly did not resolve every underlying “debt” predicate; no universal litigation-proof standard."],["S013 — Peters v. General Service Bureau, Inc.\nhttps://law.justia.com/cases/federal/appellate-courts/F3/277/1051/521198/","Eighth Circuit, Jan28,2002; 277 F.3d1051, published, Murphy","Applied the reasonable unsophisticated-consumer standard to a Nebraska voluntary-appearance letter. Particular letter was not misleading; summary judgment affirmed.","Majority pp.1054–1056. No Nebraska service/answer deadline imported into Iowa; not a blanket permission for legal threats."],["S014 — Hekel v. Hunter Warfield, Inc.\nhttps://law.justia.com/cases/federal/appellate-courts/ca8/23-3091/23-3091-2024-10-04.html\nhttps://cases.justia.com/federal/appellate-courts/ca8/23-3091/23-3091-2024-10-04.pdf?ts=1728055824","Eighth Circuit, Oct4,2024; No.23-3091; published, Stras","Challenges to collection-letter charges and validation wording lacked established concrete federal injury on the record. Merits judgment vacated; remanded for jurisdictional dismissal.","Complete seven-page majority parsed; relevant pp.3–7/indices2–6, images indices2,5,6 inspected. No conclusion that the letter complied with substantive law."]]},{"headers":["Branch","Required actor fact","Conditional result"],"index":9,"links":[],"row_links":[[],[],[],[]],"rows":[["Branch","Required actor fact","Conditional result"],["Original creditor, no federal collector status established","Collecting own covered debt","Iowa’s false-threat rule can apply. Federal liability remains unproved until federal status is established."],["Third-party agency","Regular collection for another using covered means; no exclusion","Both Iowa and federal false-threat provisions can apply."],["Debt buyer using contractors","Principal purpose and actual agency/conduct established","Federal coverage may exist under Reygadas, but liability for this particular threat still requires the relevant proof."]]},{"headers":["Posture","Source/claim","Missing fact","Conditional consequence"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Source/claim","Missing fact","Conditional consequence"],["P01 Own creditor says FDCPA exemption permits threats","C001, C004, C007","Iowa covered debt","Federal noncoverage does not eliminate Iowa prohibitions"],["P02 Cash-due service bill treated as credit","C002; Degeneffe","Granted deferment/expanded debt category","Unpaid status alone does not establish Iowa coverage"],["P03 Adult sibling contacted “for location”","C010–C011, C026","Genuine move/location basis and exact words","Debt disclosure is not justified by the label"],["P04 Spouse contacted without debtor consent","C014, C025","Iowa consent/inquiry condition","Federal consumer definition does not erase Iowa protection"],["P05 Employer told account is delinquent","C013, C025","Applicable permission/exception","Iowa employment verification does not authorize default disclosure"],["P06 Seven calls in one afternoon","C030","Pattern and intent","Presumption of compliance can be rebutted; other harassment rules remain"],["P07 Busy signal counted like voicemail","C031","Connection record","Different counting treatment; no universal call-log assumption"],["P08 Consumer says “stop texting” orally","C028–C029","Exact scope and receipt","Medium restriction may arise without a formal cease letter"],["P09 Cease letter mailed but not received","C027","Receipt date","Federal written-cease trigger is not mailing alone"],["P10 “I dispute” stated by telephone","C046–C047","Subsequent timely writing","Oral dispute and mandatory written-verification pause differ"],["P11 Repeat dispute includes identity-theft evidence","C049, C051","New/material information","Cannot automatically classify it as duplicative"],["P12 Verification emailed after consumer email","C044–C045","Applicable E-SIGN consent and delivery","Incoming email alone is insufficient"],["P13 Deceased debtor’s adult child demands details","C025, C051","Authority to act for estate","Relationship does not prove representative status or liability"],["P14 Complaint filed with AG, no collector notice","C059","Collector receipt of actual dispute/cease request","Complaint is not automatically the statutory collector notice"]]},{"headers":["Source ID","Issuer/title and full literal HTTPS URLs","Operative pinpoint, version, actual read extent and limits"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer/title and full literal HTTPS URLs","Operative pinpoint, version, actual read extent and limits"],["S001","Iowa Legislature, 2026 Code, selected Chapter537 provisions.\nhttps://www.legis.iowa.gov/docs/code/2026/537.7102.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.7103.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.1301.pdf\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/2026/537.3204.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.5201.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6103.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6106.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6110.pdf\nhttps://www.legis.iowa.gov/docs/code/2026/537.6113.pdf","Complete §§7102,7103,1201,1202,3204,5201 and selected administration/enforcement sections; relevant §1301 definitions. §7103 printed pp.1–3/indices0–2; §1201 and §5201 pp.1–2/indices0–1; other one-page sections p.1/index0; §1301 relevant pp.1–3/indices0–2. Actual corresponding images inspected. Section footers Dec12,2025. Not a full Chapter537 or post-compilation enactment audit."],["S002","U.S. House OLRC, FDCPA.\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692b/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692c/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692d/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692e/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692f/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692g/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692k/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692l/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692n/","Complete relevant definition, location, communication, harassment, deception, unfairness, validation, liability, enforcement, and state-preservation bodies. Display through Public Law119-120, Oct7,2026. HTML, no PDF claim. No entire FDCPA litigation/citator audit."],["S003","GovInfo, 2026 CFR, Title12, vol.8, Part1006, plus CFPB current rule/official-interpretation companions.\nhttps://www.govinfo.gov/content/pkg/CFR-2026-title12-vol8/pdf/CFR-2026-title12-vol8-part1006.pdf\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/2/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/6/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/10/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/14/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/18/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/22/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/34/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/38/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/42/\nhttps://www.consumerfinance.gov/rules-policy/regulations/1006/104/","Official January1,2026 CFR edition; selected current companions and official interpretations freshly read. Main bodies: .2 pp.369–370/indices1–2; .6 pp.370–373/2–5; .10 pp.373–374/5–6; .14 pp.374–375/6–7; .18 pp.375–376/7–8; .22 pp.376–377/8–9; .34 pp.378–382/10–14; .38 pp.382–383/14–15; .42/.100/.104 p.383/index15. Images indices1–16 inspected. Selected §.30(c) read only for payment/dispute boundary. Not all47 pages or all commentary comprehensively reviewed."],["S004","CFPB/Federal Register, Withdrawal of proposal to delay Regulation F effective date.\nhttps://www.govinfo.gov/content/pkg/FR-2021-09-01/pdf/2021-18799.pdf\nhttps://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f-withdrawal-proposal-to-delay-effective-date/","Complete one-page notice, 86 FR48918/PDF index0, visually inspected. Proposal withdrawal effective Sept1,2021; preserves Nov30,2021 final-rule effective date. This is not an adopted January2022 delay. Full underlying final-rule preambles not separately read."],["S005","U.S. House OLRC, E-SIGN, 15 USC7001.\nhttps://uscode.house.gov/us/usc/119-118/t15/s7001/","§7001(a)–(b), complete relevant (c)(1)–(6). Official current display through Oct7,2026. Narrow electronic-disclosure use; no Iowa UETA or full preemption rerun."],["S006","U.S. House OLRC, 5 USC6103.\nhttps://uscode.house.gov/us/usc/119-118/t5/s6103/","Complete subsection(a) holiday list and relevant adjacent distinctions read. Used only where Regulation F expressly incorporates it. No general state-court holiday/calendar conclusion."],["S015","Iowa Attorney General, File a Consumer Complaint.\nhttps://www.iowaattorneygeneral.gov/for-consumers/file-a-consumer-complaint","Generic complaint/routing body freshly read. Operational source, not a liability rule or deadline. No form entry, submission, private complaint, or file reviewed."],["S016","CFPB, Submit a complaint.\nhttps://www.consumerfinance.gov/complaint/","Generic debt-collection intake/routing information read. No website response target treated as statutory deadline; no submission or actual complaint."]]},{"headers":["Route","Result and treatment"],"index":12,"links":[],"row_links":[[],[],[],[]],"rows":[["Route","Result and treatment"],["https://www.ecfr.gov/current/title-12/chapter-X/part-1006","Redirected to an access-request/block page. No bypass or unchanged loop. Replaced by official GovInfo CFR and CFPB bodies."],["https://www.govinfo.gov/content/pkg/CFR-2026-title12-vol9/pdf/CFR-2026-title12-vol9-part1006.pdf","Did not supply the document. Correct official volume8 route succeeded."],["https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf","Official Reygadas route failed. Actual opinion read through the disclosed NCLC republication."]]},{"headers":["Claim ID","Atomic proposition","Source/pinpoint","Predicate, consequence, confidence and exact gap"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Atomic proposition","Source/pinpoint","Predicate, consequence, confidence and exact gap"],["C001","Iowa collector definition includes self, employer, and third-party collection.","S001 §7102(4)–(5).","High; qualifying debt/conduct required."],["C002","Iowa debt/credit coverage requires the actual statutory transaction predicates; late payment alone is insufficient.","S001 §§7102(3),1301; S008 pp.6–12.","High; actual contract/purpose absent."],["C003","Territorial rules and transaction exclusions require separate application.","S001 §§1201–1202.","High text; remote/entity facts absent."],["C004","Federal debt-collector/debt definitions and exclusions differ from Iowa’s.","S002 §1692a(3)–(6).","High; actual federal status unproved."],["C005","Outsourced collection can satisfy principal-purpose coverage, but agency and violation remain separate.","S011 pp.6–12.","High narrow holding; no blanket buyer liability."],["C006","Greater state protection is preserved under the federal consistency rule.","S002 §1692n; S003 .104.","High; specific conflict analysis may still be needed."],["C007","Iowa prohibits the listed criminal/coercive/false legal threats.","S001 §7103(1)(a),(b),(d)–(f).","High; actual statement/authority required."],["C008","Iowa’s false-willful-refusal provision includes its stated response/good-faith qualification.","S001 §7103(1)(c).","High; not debt admission or federal cease override."],["C009","Iowa harassment clauses have their own elements; no fixed call/hour limit established there.","S001 §7103(2).","High text; intent/context needed where specified."],["C010","Iowa generally requires postdefault written permission for debt disclosure beyond debtor/likely liable person.","S001 §7103(3)(a); S007.","High; listed exceptions and actual liability remain."],["C011","Iowa location inquiry requires move-related grounds and location-limited content.","S001 §7103(3)(a)(1)–(4).","High; legitimate-business/agent branches separate."],["C012","Employer/credit-union counseling exception uses three-month limit plus stated receipt/response branches.","S001 §7103(3)(a)(5).","High; no federal permission inferred."],["C013","Employment verification uses one-month limit and does not authorize disclosure of default.","S001 §7103(3)(a)(6).","High; counseling qualification preserved."],["C014","Minor/representative and spouse exceptions have different frequency/consent conditions.","S001 §7103(3)(a)(7)–(8).","High; family identity alone insufficient."],["C015","Iowa restricts public debt lists and debt-revealing communications/mail.","S001 §7103(3)(b)–(c),(6).","High; exact form exceptions, federal law and postal law separate."],["C016","Iowa initial/subsequent collection disclosures have paragraph-specific exceptions.","S001 §7103(4)(a)–(c).","High; institutional exception not whole-law exemption."],["C017","Iowa assignee-demand identity and assignment-proof/payment rules differ from federal validation.","S001 §§7103(4)(d),3204.","High; no ownership/admissibility conclusion."],["C018","Iowa prohibits false amount/status, government endorsement, simulated process, and unlawful fee representations.","S001 §7103(4)(e)–(i).","High; exact words and lawful authority unproved."],["C019","Iowa collector fees/incidental charges require the stated legal entitlement predicates.","S001 §7103(5)(c)–(d).","High; no actual agreement or charge authorization."],["C020","Iowa known-counsel restriction has attorney-nonresponse, approval, and debtor-inquiry exceptions.","S001 §7103(5)(e); S009 II.A.","High; actual knowledge/exception evidence absent."],["C021","Iowa prohibits false marital-liability acknowledgments and qualified undisclosed reaffirmation solicitation.","S001 §7103(5)(a)–(b).","High; federal bankruptcy enforceability not established."],["C022","Actual notice of the specified pending workers’ compensation proceeding triggers a narrow collection prohibition.","S001 §7103(7).","High; no actual proceeding or full sector analysis."],["C023","Federal time/place/workplace restrictions depend on actual or constructive knowledge and stated exceptions.","S002 §1692c(a); S003 .6(b).","High; default hours do not erase known inconvenience."],["C024","Federal counsel restriction requires the relevant knowledge; creditor knowledge is not automatically imputed.","S002 §1692c(a)(2); S003 .6(b)(2); S010.","High; actual agency/information may change facts."],["C025","Federal third-party restrictions and expanded communication “consumer” definition are limited.","S003 .6(a),(d); S002 §1692c.","High; does not create relatives’ personal liability."],["C026","Federal location inquiries have identity, content, frequency, and counsel restrictions.","S002 §1692b; S003 .10.","High; exceptions require facts."],["C027","Written refusal/cease operates on receipt, including accepted electronic routes, with three stated exceptions.","S002 §1692c(c); S003 .6(c).","High; no universal debt cancellation/stay."],["C028","A person may request medium-specific cessation orally; narrow exceptions remain.","S003 .14(h) and comments.","High; actual request scope and channel needed."],["C029","Electronic contact requires simple free endpoint opt-out; opted-out endpoints cannot simply carry required disclosures.","S003 .6(e), .42 comment1–4.","High; actual message/interface absent."],["C030","Federal seven-call/seven-day rules create rebuttable presumptions, not blanket permission.","S003 .14(b)(1)–(2).","High; person/debt/conversation and pattern required."],["C031","Call exclusions, connection treatment, consent duration, and student-loan grouping affect the count.","S003 .14(b)(3)–(4), comments.","High; actual call records absent."],["C032","Limited-content message is a narrowly specified voicemail, not an Iowa-wide safe harbor.","S003 .2(j), .14(b).","High; actual content and state classification needed."],["C033","Email procedures address a particular third-party-disclosure error defense, not universal consent.","S003 .6(d)(3)–(4).","High; creditor/prior-collector route evidence absent."],["C034","Text-number procedures require specified consumer use/consent and recency/reassignment safeguards.","S003 .6(d)(5).","High; sixty-day and database conditions fact-dependent."],["C035","Employer email and publicly visible social collection have specific restrictions.","S003 .22(f)(3)–(4).","High; private contact still subject to other rules."],["C036","Federal false identity, amount, legal threat, and collection-disclosure rules apply independently.","S002 §1692e; S003 .18.","High; actual actor/debt/representation required."],["C037","Postdated instruments, concealed charges, postcards and envelopes have distinct unfair-practice rules.","S002 §1692f; S003 .22.","High; three-to-ten-day counting applies only to stated notice."],["C038","Disputed-credit communication and multiple-debt allocation have narrow separate duties.","S002 §1692e(8); S003 .30(c).","High; full FCRA/allocation analysis excluded."],["C039","Validation must be provided initially or within five days, subject to actual exceptions.","S002 §1692g; S003 .34(a),(b)(2).","High; actual initial communication and payment facts absent."],["C040","Validation contents include required identity, itemization, amount, rights, deadline and response information.","S003 .34(c).","High; conditional product/service fields preserved."],["C041","Itemization date is a limited disclosure reference, not an accrual/revival/reporting determination.","S003 .34(b)(3), comments.","High; actual selected date and underlying clocks unproved."],["C042","Assumed receipt excludes specified nonbusiness days; the ensuing thirty-day period is separate.","S003 .34(b)(5); S006 §6103(a).","High; actual delivery and allowed assumption required."],["C043","Clear/conspicuous, model-form, translation and special-form provisions have limited scope.","S003 .34(b)(1),(d),(e).","High; no form approval or mortgage-package certification."],["C044","Required notices generally must be likely to give actual notice and be retainable; known nondelivery matters.","S003 .42(a), comments.","High; specific .42(a)(2) exceptions retained."],["C045","E-SIGN subsection(c) applies to the specifically enumerated electronic disclosures.","S003 .42(b); S005 §7001(c).","High; not every email; actual consent/access absent."],["C046","Oral dispute and timely written dispute have different statutory effects.","S002 §1692g(a)–(b); S003 .38.","High; actual words and timely submission needed."],["C047","Receipt of timely written dispute requires collection pause until qualifying verification/judgment response.","S003 .38(d)(2)(i).","High; response is not courtroom proof."],["C048","Timely original-creditor request creates its own pause and response alternatives.","S003 .38(c).","High; same-current/original exception requires reasonable determination."],["C049","Duplicate-dispute exception requires prior qualifying response and no new material information.","S003 .38(a)(1),(d)(2)(ii).","High; cannot automatically disregard new identity/payment evidence."],["C050","Silence is not legal admission; no universal thirty-day collector-response deadline is established.","S002 §1692g(c); S003 .38(d).","High; collection may remain paused."],["C051","Wrong-person and deceased-consumer cases require actual alleged-obligation/estate-authority analysis.","S012; S003 .34/.38 comments,.6(a).","High gateway; no identity, liability or appointment proved."],["C052","RegF retention applies to compliance records and recorded calls but does not authorize recording.","S003 .100.","High; other privacy/TCPA law remains open."],["C053","Iowa enumerated-conduct remedy has actual damages and nonclass $100–$1,000 per-action penalty.","S001 §5201(1); S007 pp.725–726.","High; eligibility, defenses and court finding required."],["C054","Iowa correction and bona-fide-error defenses are distinct and conditional.","S001 §5201(6)–(7).","High; no actual defense proved."],["C055","Iowa fee/cost relief and preservation of debt rights are separately governed.","S001 §5201(4),(8).","High; no automatic fee award or debt erasure."],["C056","AG investigation, injunction and public penalty differ from private recovery.","S001 §§6103,6106,6110,6113.","High; public maximum not consumer payment."],["C057","Federal individual additional damages are court-selected up to $1,000 per action, with separate defenses/fees.","S002 §1692k.","High; actual loss, success, jurisdiction and defenses required."],["C058","Federal Article III requires concrete injury; statutory violation alone is insufficient on Hekel’s record.","S014 pp.3–7.","High narrow holding; not a universal state-standing rule."],["C059","Public complaints are not collector notices, judicial filings, stays or guaranteed awards.","S015–S016; S002 §1692l.","High procedural distinction; no complaint submitted."],["C060","RegF final-rule effectivity remained Nov30,2021 after proposed-delay withdrawal.","S004,86FR48918.","High; proposal not operative delay."],["C061","Currentness rests on selected2026 bodies, not a complete Iowa/federal later-law audit.","S001–S006 version records.","Confirmed limitation; administrative/case-treatment gaps remain."],["C062","Eight case holdings are used only within their stated facts, posture and read bounds.","S007–S014.","No full citator or unseen underlying-case read."],["C063","Validation, assignment proof, contractual demand, summons and CRA dispute are different legal events.","S001 §3204; S002 §1692g(d)–(e); S003 .34,.38.","High distinction; broader evidence/court/reporting work excluded."],["C064","No actual actor, debt, message, knowledge, consent, notice, record, loss or recovery is established.","Research scope.","No operational, account-validity or acceptance conclusion."]]},{"headers":["Coverage","Status","Claims","Exact missing evidence / next action"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Coverage","Status","Claims","Exact missing evidence / next action"],["CV01 Iowa own-creditor coverage","Answered conditionally","C001–C002","Actual covered obligation and conduct"],["CV02 Agency/buyer/servicer/attorney classification","Partial","C001,C004–C005","Actual capacity, business purpose, acquisition and agency facts"],["CV03 Consumer purpose and credit predicates","Partial","C002","Actual transaction and deferment terms"],["CV04 Iowa exclusions/territory","Partial","C003","Location, institution and special-transaction facts"],["CV05 Federal definitions/exclusions","Answered at statutory gateway","C004","Actual exclusion predicates"],["CV06 State-law preservation","Answered","C006","Specific conflict if one arises"],["CV07 Illegal threats/coercion","Answered","C007–C008","Actual threat, authority and contextual proof"],["CV08 Iowa harassment/intent","Answered at rule level","C009","Pattern, timing, words and intent evidence"],["CV09 State numerical call cap","Not established","C009","No cap inferred from federal law; further state authority if asserted"],["CV10 Third-party baseline","Answered","C010","Permission, liability and exact disclosure"],["CV11 Location inquiry","Answered conditionally","C011,C026","Move/location grounds and communication content"],["CV12 Employer counseling","Answered with conditions","C012","Purpose, dates, responses and federal permission"],["CV13 Employment verification","Answered with conditions","C013","Frequency and whether default was disclosed"],["CV14 Family/representatives","Answered conditionally","C014,C025","Relationship, liability, consent or authority"],["CV15 Envelopes/public lists/postal","Partial","C015,C037","Actual material; full postal law not investigated"],["CV16 Iowa initial disclosures/exceptions","Answered","C016","Actual actor and message"],["CV17 Assignee identity/information","Answered gateway","C017","Actual demand, notice and proof request"],["CV18 False amount/authority/process","Answered","C018,C036","Actual representation and legal basis"],["CV19 Unauthorized charges","Answered as predicates","C019,C037","Agreement and legal entitlement; no fee report rerun"],["CV20 Iowa counsel contact","Answered conditionally","C020","Knowledge, attorney response/approval, inquiry"],["CV21 Reaffirmation/family liability","Partial boundary","C021","Bankruptcy and liability merits remain later work"],["CV22 Workers’ compensation notice","Narrow gateway only","C022","Actual notice/proceeding; sector merits excluded"],["CV23 Federal time/place/workplace","Answered conditionally","C023","Local time, knowledge, employer rule and consent"],["CV24 Federal representation","Answered conditionally","C024","Actual knowledge and agency evidence"],["CV25 Federal third parties","Answered conditionally","C025–C026","Consent, court order, representative or location exception"],["CV26 Written cease/refusal","Answered","C027","Content, accepted medium and receipt"],["CV27 Oral medium-specific request","Answered","C028","Exact scope and exception"],["CV28 Electronic endpoint opt-out","Answered","C029","Actual mechanism and subsequent transmissions"],["CV29 Federal frequency presumptions","Answered","C030","Person/debt grouping, calls and conversation dates"],["CV30 Excluded/connected calls","Answered","C031","Logs, connection, consent and recipient"],["CV31 Limited-content message","Answered narrowly","C032","Actual voicemail; no Iowa/TCPA safe harbor"],["CV32 Email procedures","Answered conditionally","C033","Consumer/creditor/prior-collector history and notice"],["CV33 Text/reassigned-number safeguards","Answered conditionally","C034","Actual sixty-day or database predicates"],["CV34 Employer email/social media","Answered","C035","Endpoint knowledge, visibility and exception"],["CV35 Postdated instruments","Answered at rule level","C037","Instrument/deposit dates and notice; no calendar computed"],["CV36 Disputed reporting/payment allocation","Narrow boundary only","C038","Full FCRA/allocation remains separate"],["CV37 Initial validation event","Answered","C039","Actual first communication and exclusions"],["CV38 Required validation contents","Answered","C040","Actual notice and conditional product/service fields"],["CV39 Itemization date","Answered as limited function","C041","Actual chosen date; other clocks excluded"],["CV40 Five-day/receipt/thirty-day counting","Answered for stipulated model","C042","Actual delivery, holiday and assumption facts"],["CV41 Clear/conspicuous/form/translation","Answered conditionally","C043","Actual rendering, translation and special mortgage branch"],["CV42 Delivery/retainability/bounce","Answered","C044","Actual delivery logs and retained form"],["CV43 E-SIGN consent","Answered gateway","C045","Actual affirmative consent/access/change records"],["CV44 Oral versus written dispute","Answered","C046","Actual submission, writing and timing"],["CV45 Verification pause","Answered","C047","Receipt, disputed portion and compliant response"],["CV46 Original-creditor request","Answered","C048","Timely request and correct response"],["CV47 Duplicate/new-information dispute","Answered conditionally","C049","Earlier response and materiality of new facts"],["CV48 Silence/response deadline","Answered","C050","No actual admission or collection-resumption entitlement"],["CV49 Wrong person/identity theft/deceased","Partial","C051","Identity, evidence and estate authority"],["CV50 Recording/records","Answered limited retention rule","C052","Recording permission, privacy/TCPA and actual records remain open"],["CV51 Iowa private remedy/defenses/fees","Answered gateway","C053–C055","Eligible consumer, proof, timeliness, defense and award"],["CV52 AG/public enforcement","Answered gateway","C056","Actual investigation, demand or court order"],["CV53 Federal damages/standing","Answered gateway","C057–C058","Concrete injury, causation, defense, forum and award"],["CV54 Public complaint routes","Answered procedurally","C059","No actual submission; collector notice remains separate"],["CV55 Published cases and currentness","Partial","C060–C062","Complete later-law, administrative-rule and citator audits"],["CV56 Five worked models/fourteen postures","Completed conditionally","Relevant claims","Fictional premises cannot establish actual compliance"],["CV57 Proof/assignment/litigation/limitations","Excluded beyond necessary gateway","C017,C047,C063","Separate evidentiary, court and limitation passes"],["CV58 Full FCRA/TCPA/privacy/secured sectors","Excluded beyond stated boundaries","C035,C038,C052","Full statutes, regulations, cases and actual channel/sector facts"],["CV59 Local/tribal/international/special sectors","Excluded except identified Iowa branches","C003,C022,C025","Governing jurisdiction and special authority"],["CV60 Actual status and acceptance","Unresolved","C064","No actual actor/account/communication; no component or parent approval"]]},{"headers":["Authorized remainder","PASS-12 contribution","Still open"],"index":15,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Authorized remainder","PASS-12 contribution","Still open"],["P01’s broad collection remainder","Fresh Iowa conduct coverage and complete relevant §7103 communication branches","Actual actor/debt classification and full state collection compliance"],["Parent category2 communications/conduct","State/federal cumulative matrix, knowledge and instruction triggers, electronic and third-party boundaries","Full reporting, TCPA/privacy, specialized sectors and local/tribal law"],["Necessary documentation/validation events","Initial information, written dispute/original-creditor response, delivery and pause rules","Evidentiary ownership, admissibility, courtroom proof and full credit-report disputes"],["Public/private consequence gateway","Conditional Iowa/federal remedies, defenses, standing and complaint distinctions","Actual claims, limitation calculations, recovery, court procedure and enforcement"]]}],"claims":[{"claim_id":"S_IA-P12-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C001","Atomic proposition":"Iowa collector definition includes self, employer, and third-party collection.","Source/pinpoint":"S001 §7102(4)–(5).","Predicate, consequence, confidence and exact gap":"High; qualifying debt/conduct required."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C001","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C001","original_visible_claim_id":"C001","original_literal_import_alias":"S_IA-C001","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Atomic proposition":"Iowa debt/credit coverage requires the actual statutory transaction predicates; late payment alone is insufficient.","Source/pinpoint":"S001 §§7102(3),1301; S008 pp.6–12.","Predicate, consequence, confidence and exact gap":"High; actual contract/purpose absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C002","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C002","original_visible_claim_id":"C002","original_literal_import_alias":"S_IA-C002","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,8],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Atomic proposition":"Territorial rules and transaction exclusions require separate application.","Source/pinpoint":"S001 §§1201–1202.","Predicate, consequence, confidence and exact gap":"High text; remote/entity facts absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C003","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C003","original_visible_claim_id":"C003","original_literal_import_alias":"S_IA-C003","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Atomic proposition":"Federal debt-collector/debt definitions and exclusions differ from Iowa’s.","Source/pinpoint":"S002 §1692a(3)–(6).","Predicate, consequence, confidence and exact gap":"High; actual federal status unproved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C004","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C004","original_visible_claim_id":"C004","original_literal_import_alias":"S_IA-C004","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Atomic proposition":"Outsourced collection can satisfy principal-purpose coverage, but agency and violation remain separate.","Source/pinpoint":"S011 pp.6–12.","Predicate, consequence, confidence and exact gap":"High narrow holding; no blanket buyer liability."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C005","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C005","original_visible_claim_id":"C005","original_literal_import_alias":"S_IA-C005","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[11],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Atomic proposition":"Greater state protection is preserved under the federal consistency rule.","Source/pinpoint":"S002 §1692n; S003 .104.","Predicate, consequence, confidence and exact gap":"High; specific conflict analysis may still be needed."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C006","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C006","original_visible_claim_id":"C006","original_literal_import_alias":"S_IA-C006","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Atomic proposition":"Iowa prohibits the listed criminal/coercive/false legal threats.","Source/pinpoint":"S001 §7103(1)(a),(b),(d)–(f).","Predicate, consequence, confidence and exact gap":"High; actual statement/authority required."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C007","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C007","original_visible_claim_id":"C007","original_literal_import_alias":"S_IA-C007","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Atomic proposition":"Iowa’s false-willful-refusal provision includes its stated response/good-faith qualification.","Source/pinpoint":"S001 §7103(1)(c).","Predicate, consequence, confidence and exact gap":"High; not debt admission or federal cease override."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C008","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C008","original_visible_claim_id":"C008","original_literal_import_alias":"S_IA-C008","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Atomic proposition":"Iowa harassment clauses have their own elements; no fixed call/hour limit established there.","Source/pinpoint":"S001 §7103(2).","Predicate, consequence, confidence and exact gap":"High text; intent/context needed where specified."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C009","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C009","original_visible_claim_id":"C009","original_literal_import_alias":"S_IA-C009","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Atomic proposition":"Iowa generally requires postdefault written permission for debt disclosure beyond debtor/likely liable person.","Source/pinpoint":"S001 §7103(3)(a); S007.","Predicate, consequence, confidence and exact gap":"High; listed exceptions and actual liability remain."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C010","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C010","original_visible_claim_id":"C010","original_literal_import_alias":"S_IA-C010","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,7],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Atomic proposition":"Iowa location inquiry requires move-related grounds and location-limited content.","Source/pinpoint":"S001 §7103(3)(a)(1)–(4).","Predicate, consequence, confidence and exact gap":"High; legitimate-business/agent branches separate."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C011","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C011","original_visible_claim_id":"C011","original_literal_import_alias":"S_IA-C011","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Atomic proposition":"Employer/credit-union counseling exception uses three-month limit plus stated receipt/response branches.","Source/pinpoint":"S001 §7103(3)(a)(5).","Predicate, consequence, confidence and exact gap":"High; no federal permission inferred."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C012","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C012","original_visible_claim_id":"C012","original_literal_import_alias":"S_IA-C012","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Atomic proposition":"Employment verification uses one-month limit and does not authorize disclosure of default.","Source/pinpoint":"S001 §7103(3)(a)(6).","Predicate, consequence, confidence and exact gap":"High; counseling qualification preserved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C013","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C013","original_visible_claim_id":"C013","original_literal_import_alias":"S_IA-C013","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Atomic proposition":"Minor/representative and spouse exceptions have different frequency/consent conditions.","Source/pinpoint":"S001 §7103(3)(a)(7)–(8).","Predicate, consequence, confidence and exact gap":"High; family identity alone insufficient."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C014","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C014","original_visible_claim_id":"C014","original_literal_import_alias":"S_IA-C014","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Atomic proposition":"Iowa restricts public debt lists and debt-revealing communications/mail.","Source/pinpoint":"S001 §7103(3)(b)–(c),(6).","Predicate, consequence, confidence and exact gap":"High; exact form exceptions, federal law and postal law separate."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C015","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C015","original_visible_claim_id":"C015","original_literal_import_alias":"S_IA-C015","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Atomic proposition":"Iowa initial/subsequent collection disclosures have paragraph-specific exceptions.","Source/pinpoint":"S001 §7103(4)(a)–(c).","Predicate, consequence, confidence and exact gap":"High; institutional exception not whole-law exemption."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C016","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C016","original_visible_claim_id":"C016","original_literal_import_alias":"S_IA-C016","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Atomic proposition":"Iowa assignee-demand identity and assignment-proof/payment rules differ from federal validation.","Source/pinpoint":"S001 §§7103(4)(d),3204.","Predicate, consequence, confidence and exact gap":"High; no ownership/admissibility conclusion."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C017","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C017","original_visible_claim_id":"C017","original_literal_import_alias":"S_IA-C017","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Atomic proposition":"Iowa prohibits false amount/status, government endorsement, simulated process, and unlawful fee representations.","Source/pinpoint":"S001 §7103(4)(e)–(i).","Predicate, consequence, confidence and exact gap":"High; exact words and lawful authority unproved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C018","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C018","original_visible_claim_id":"C018","original_literal_import_alias":"S_IA-C018","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Atomic proposition":"Iowa collector fees/incidental charges require the stated legal entitlement predicates.","Source/pinpoint":"S001 §7103(5)(c)–(d).","Predicate, consequence, confidence and exact gap":"High; no actual agreement or charge authorization."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C019","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C019","original_visible_claim_id":"C019","original_literal_import_alias":"S_IA-C019","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Atomic proposition":"Iowa known-counsel restriction has attorney-nonresponse, approval, and debtor-inquiry exceptions.","Source/pinpoint":"S001 §7103(5)(e); S009 II.A.","Predicate, consequence, confidence and exact gap":"High; actual knowledge/exception evidence absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C020","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C020","original_visible_claim_id":"C020","original_literal_import_alias":"S_IA-C020","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1,9],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Atomic proposition":"Iowa prohibits false marital-liability acknowledgments and qualified undisclosed reaffirmation solicitation.","Source/pinpoint":"S001 §7103(5)(a)–(b).","Predicate, consequence, confidence and exact gap":"High; federal bankruptcy enforceability not established."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C021","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C021","original_visible_claim_id":"C021","original_literal_import_alias":"S_IA-C021","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Atomic proposition":"Actual notice of the specified pending workers’ compensation proceeding triggers a narrow collection prohibition.","Source/pinpoint":"S001 §7103(7).","Predicate, consequence, confidence and exact gap":"High; no actual proceeding or full sector analysis."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C022","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C022","original_visible_claim_id":"C022","original_literal_import_alias":"S_IA-C022","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[1],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Atomic proposition":"Federal time/place/workplace restrictions depend on actual or constructive knowledge and stated exceptions.","Source/pinpoint":"S002 §1692c(a); S003 .6(b).","Predicate, consequence, confidence and exact gap":"High; default hours do not erase known inconvenience."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C023","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C023","original_visible_claim_id":"C023","original_literal_import_alias":"S_IA-C023","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Atomic proposition":"Federal counsel restriction requires the relevant knowledge; creditor knowledge is not automatically imputed.","Source/pinpoint":"S002 §1692c(a)(2); S003 .6(b)(2); S010.","Predicate, consequence, confidence and exact gap":"High; actual agency/information may change facts."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C024","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C024","original_visible_claim_id":"C024","original_literal_import_alias":"S_IA-C024","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3,10],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Atomic proposition":"Federal third-party restrictions and expanded communication “consumer” definition are limited.","Source/pinpoint":"S003 .6(a),(d); S002 §1692c.","Predicate, consequence, confidence and exact gap":"High; does not create relatives’ personal liability."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C025","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C025","original_visible_claim_id":"C025","original_literal_import_alias":"S_IA-C025","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Atomic proposition":"Federal location inquiries have identity, content, frequency, and counsel restrictions.","Source/pinpoint":"S002 §1692b; S003 .10.","Predicate, consequence, confidence and exact gap":"High; exceptions require facts."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C026","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C026","original_visible_claim_id":"C026","original_literal_import_alias":"S_IA-C026","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Atomic proposition":"Written refusal/cease operates on receipt, including accepted electronic routes, with three stated exceptions.","Source/pinpoint":"S002 §1692c(c); S003 .6(c).","Predicate, consequence, confidence and exact gap":"High; no universal debt cancellation/stay."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C027","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C027","original_visible_claim_id":"C027","original_literal_import_alias":"S_IA-C027","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Atomic proposition":"A person may request medium-specific cessation orally; narrow exceptions remain.","Source/pinpoint":"S003 .14(h) and comments.","Predicate, consequence, confidence and exact gap":"High; actual request scope and channel needed."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C028","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C028","original_visible_claim_id":"C028","original_literal_import_alias":"S_IA-C028","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Atomic proposition":"Electronic contact requires simple free endpoint opt-out; opted-out endpoints cannot simply carry required disclosures.","Source/pinpoint":"S003 .6(e), .42 comment1–4.","Predicate, consequence, confidence and exact gap":"High; actual message/interface absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C029","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C029","original_visible_claim_id":"C029","original_literal_import_alias":"S_IA-C029","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Atomic proposition":"Federal seven-call/seven-day rules create rebuttable presumptions, not blanket permission.","Source/pinpoint":"S003 .14(b)(1)–(2).","Predicate, consequence, confidence and exact gap":"High; person/debt/conversation and pattern required."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C030","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C030","original_visible_claim_id":"C030","original_literal_import_alias":"S_IA-C030","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Atomic proposition":"Call exclusions, connection treatment, consent duration, and student-loan grouping affect the count.","Source/pinpoint":"S003 .14(b)(3)–(4), comments.","Predicate, consequence, confidence and exact gap":"High; actual call records absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C031","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C031","original_visible_claim_id":"C031","original_literal_import_alias":"S_IA-C031","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Atomic proposition":"Limited-content message is a narrowly specified voicemail, not an Iowa-wide safe harbor.","Source/pinpoint":"S003 .2(j), .14(b).","Predicate, consequence, confidence and exact gap":"High; actual content and state classification needed."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C032","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C032","original_visible_claim_id":"C032","original_literal_import_alias":"S_IA-C032","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Atomic proposition":"Email procedures address a particular third-party-disclosure error defense, not universal consent.","Source/pinpoint":"S003 .6(d)(3)–(4).","Predicate, consequence, confidence and exact gap":"High; creditor/prior-collector route evidence absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C033","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C033","original_visible_claim_id":"C033","original_literal_import_alias":"S_IA-C033","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Atomic proposition":"Text-number procedures require specified consumer use/consent and recency/reassignment safeguards.","Source/pinpoint":"S003 .6(d)(5).","Predicate, consequence, confidence and exact gap":"High; sixty-day and database conditions fact-dependent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C034","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C034","original_visible_claim_id":"C034","original_literal_import_alias":"S_IA-C034","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Atomic proposition":"Employer email and publicly visible social collection have specific restrictions.","Source/pinpoint":"S003 .22(f)(3)–(4).","Predicate, consequence, confidence and exact gap":"High; private contact still subject to other rules."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C035","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C035","original_visible_claim_id":"C035","original_literal_import_alias":"S_IA-C035","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Atomic proposition":"Federal false identity, amount, legal threat, and collection-disclosure rules apply independently.","Source/pinpoint":"S002 §1692e; S003 .18.","Predicate, consequence, confidence and exact gap":"High; actual actor/debt/representation required."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C036","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C036","original_visible_claim_id":"C036","original_literal_import_alias":"S_IA-C036","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Atomic proposition":"Postdated instruments, concealed charges, postcards and envelopes have distinct unfair-practice rules.","Source/pinpoint":"S002 §1692f; S003 .22.","Predicate, consequence, confidence and exact gap":"High; three-to-ten-day counting applies only to stated notice."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C037","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C037","original_visible_claim_id":"C037","original_literal_import_alias":"S_IA-C037","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Atomic proposition":"Disputed-credit communication and multiple-debt allocation have narrow separate duties.","Source/pinpoint":"S002 §1692e(8); S003 .30(c).","Predicate, consequence, confidence and exact gap":"High; full FCRA/allocation analysis excluded."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C038","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C038","original_visible_claim_id":"C038","original_literal_import_alias":"S_IA-C038","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Atomic proposition":"Validation must be provided initially or within five days, subject to actual exceptions.","Source/pinpoint":"S002 §1692g; S003 .34(a),(b)(2).","Predicate, consequence, confidence and exact gap":"High; actual initial communication and payment facts absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C039","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C039","original_visible_claim_id":"C039","original_literal_import_alias":"S_IA-C039","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Atomic proposition":"Validation contents include required identity, itemization, amount, rights, deadline and response information.","Source/pinpoint":"S003 .34(c).","Predicate, consequence, confidence and exact gap":"High; conditional product/service fields preserved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C040","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C040","original_visible_claim_id":"C040","original_literal_import_alias":"S_IA-C040","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Atomic proposition":"Itemization date is a limited disclosure reference, not an accrual/revival/reporting determination.","Source/pinpoint":"S003 .34(b)(3), comments.","Predicate, consequence, confidence and exact gap":"High; actual selected date and underlying clocks unproved."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C041","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C041","original_visible_claim_id":"C041","original_literal_import_alias":"S_IA-C041","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Atomic proposition":"Assumed receipt excludes specified nonbusiness days; the ensuing thirty-day period is separate.","Source/pinpoint":"S003 .34(b)(5); S006 §6103(a).","Predicate, consequence, confidence and exact gap":"High; actual delivery and allowed assumption required."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C042","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C042","original_visible_claim_id":"C042","original_literal_import_alias":"S_IA-C042","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3,6],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":true}},{"claim_id":"S_IA-P12-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Atomic proposition":"Clear/conspicuous, model-form, translation and special-form provisions have limited scope.","Source/pinpoint":"S003 .34(b)(1),(d),(e).","Predicate, consequence, confidence and exact gap":"High; no form approval or mortgage-package certification."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C043","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C043","original_visible_claim_id":"C043","original_literal_import_alias":"S_IA-C043","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Atomic proposition":"Required notices generally must be likely to give actual notice and be retainable; known nondelivery matters.","Source/pinpoint":"S003 .42(a), comments.","Predicate, consequence, confidence and exact gap":"High; specific .42(a)(2) exceptions retained."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C044","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C044","original_visible_claim_id":"C044","original_literal_import_alias":"S_IA-C044","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C045","Atomic proposition":"E-SIGN subsection(c) applies to the specifically enumerated electronic disclosures.","Source/pinpoint":"S003 .42(b); S005 §7001(c).","Predicate, consequence, confidence and exact gap":"High; not every email; actual consent/access absent."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C045","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C045","original_visible_claim_id":"C045","original_literal_import_alias":"S_IA-C045","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3,5],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Atomic proposition":"Oral dispute and timely written dispute have different statutory effects.","Source/pinpoint":"S002 §1692g(a)–(b); S003 .38.","Predicate, consequence, confidence and exact gap":"High; actual words and timely submission needed."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C046","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C046","original_visible_claim_id":"C046","original_literal_import_alias":"S_IA-C046","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[2,3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Atomic proposition":"Receipt of timely written dispute requires collection pause until qualifying verification/judgment response.","Source/pinpoint":"S003 .38(d)(2)(i).","Predicate, consequence, confidence and exact gap":"High; response is not courtroom proof."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C047","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C047","original_visible_claim_id":"C047","original_literal_import_alias":"S_IA-C047","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Atomic proposition":"Timely original-creditor request creates its own pause and response alternatives.","Source/pinpoint":"S003 .38(c).","Predicate, consequence, confidence and exact gap":"High; same-current/original exception requires reasonable determination."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C048","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C048","original_visible_claim_id":"C048","original_literal_import_alias":"S_IA-C048","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Atomic proposition":"Duplicate-dispute exception requires prior qualifying response and no new material information.","Source/pinpoint":"S003 .38(a)(1),(d)(2)(ii).","Predicate, consequence, confidence and exact gap":"High; cannot automatically disregard new identity/payment evidence."},"coordinator_verification_status":"scoped_record_reconciliation_selected_CFPB_judicial_and_dated_Iowa_with_source_currentness_application_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-C049","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"claim_id":"S_IA-P12-C049","original_visible_claim_id":"C049","original_literal_import_alias":"S_IA-C049","all_original_cells_read":true,"researcher_record_unchanged":true,"original_area_numbers_preserved":[66],"explicit_source_numbers":[3],"source_ranges_expanded":[],"selected_source_presence_not_entire_claim_primary_validation":true,"all_primary_claim_accepted":false,"original_predicates_confidence_and_remaining_holds_retained":true,"fresh_holiday_or1692k_reverification_hold":false}},{"claim_id":"S_IA-P12-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Atomic proposition":"Silence is not legal admission; 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Historical text compared with current selected statute; cure-mailing discussion not used."},"coordinator_verification_status":"scoped_selected_body_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-S007","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P12-S007","original_literal_import_alias":"S_IA-S007","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[{"chunk":0,"URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet_character_bounds":[0,961],"PDF_page_tags":[],"source_id":"S_IA-P12-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[0,18]],"actual_numbered_lines_read":[],"failed_access":false,"whole_error_read":false,"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":7,"URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet_character_bounds":[23841,27027],"PDF_page_tags":[],"source_id":"S_IA-P12-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[99,105]],"actual_numbered_lines_read":[],"failed_access":false,"whole_error_read":false,"location_or_metadata_only_when_empty":true,"PDFpixels":false},{"chunk":3,"URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet_character_bounds":[5085,7758],"PDF_page_tags":[],"source_id":"S_IA-P12-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[167,172]],"actual_numbered_lines_read":[[167,172]],"failed_access":false,"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":0,"URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet_character_bounds":[0,15516],"PDF_page_tags":[],"source_id":"S_IA-P12-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[145,315]],"actual_numbered_lines_read":[[145,166]],"failed_access":false,"whole_error_read":false,"location_or_metadata_only_when_empty":false,"PDFpixels":false},{"chunk":1,"URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet_character_bounds":[15596,30703],"PDF_page_tags":[],"source_id":"S_IA-P12-S007","packet":"[internal evidence reference]","all_returned_numbered_ranges":[[107,150]],"actual_numbered_lines_read":[],"failed_access":false,"whole_error_read":false,"location_or_metadata_only_when_empty":true,"PDFpixels":false}],"selected_body_checks":[{"source_id":"S_IA-P12-S007","evidence_URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","line_range":[145,172],"scope":"PublishedPublicFinancemajoritylocation-limitedadultrelativedisclosure/rejectedexception;Iowapenaltywithoutactualdamages/peraction/remandamount;quotedoldfederalstatutenotfreshcurrent1692k","evidence":[{"source_id":"S_IA-P12-S007","actual_URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet":"[internal evidence reference]","chunk":3,"actual_numbered_lines":[[167,172]],"packet_character_bounds":[5085,7758],"dated_reuse":false},{"source_id":"S_IA-P12-S007","actual_URL":"https://law.justia.com/cases/iowa/supreme-court/1982/67104-0.html","packet":"[internal evidence reference]","chunk":0,"actual_numbered_lines":[[145,166]],"packet_character_bounds":[0,15516],"dated_reuse":false}],"fresh_PDFpixels":false}],"dated_reuse":[],"fresh_failed_events":[],"status":"SelectedCFPBofficialtextorjudicialprimaryrepublicationwithlimits","all_current_primary_source_accepted":false,"original_failures_partial_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_IA-P12-S008","urls":["https://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion"],"researcher_record":{"Source/case and full literal URL":"S008 — Degeneffe v. Home Pride Contractors, Inc.\nhttps://www.iowacourts.gov/courtcases/21361/embed/SupremeCourtOpinion","Court/date/publication":"Iowa Supreme Court, No.23-1510; Jan24,2025, amended Apr4,2025; published official opinion","Material facts, narrow majority holding, disposition":"Payment at completion plus late charges did not prove granted credit on the record. Consumer judgment reversed; remanded consistently with contractor’s entitlement.","Exact read bounds and limits":"Majority printed pp.6–12/PDF indices5–11; selected images at indices6,8,11 inspected. Reporter citation not independently verified. Does not decide every expanded-debt category."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-S008","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P12-S008","original_literal_import_alias":"S_IA-S008","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"original_failures_partial_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_IA-P12-S009","urls":["https://caselaw.findlaw.com/court/us-8th-circuit/1142468.html"],"researcher_record":{"Source/case and full literal URL":"S009 — Sears, Roebuck & Co. v. 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Independent bankruptcy/ethics violations not decided."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-S009","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P12-S009","original_literal_import_alias":"S_IA-S009","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"original_failures_partial_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_IA-P12-S010","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/398/995/597772/"],"researcher_record":{"Source/case and full literal URL":"S010 — Schmitt v. 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Opinion expressly did not resolve every underlying “debt” predicate; no universal litigation-proof standard."},"coordinator_verification_status":"source_record_reconciled_unreopened_body_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","literal_import_alias_preserved":"S_IA-S012","coordinator_review":"[internal evidence reference]","coordinator_review_note":{"source_id":"S_IA-P12-S012","original_literal_import_alias":"S_IA-S012","all_original_cells_read":true,"researcher_record_unchanged":true,"fresh_read_map_entries":[],"selected_body_checks":[],"dated_reuse":[],"fresh_failed_events":[],"status":"Recordreconciled;underlyingbodynotfreshlyreopened","all_current_primary_source_accepted":false,"original_failures_partial_versions_pixels_citations_application_holds_retained":true}},{"source_id":"S_IA-P12-S013","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/277/1051/521198/"],"researcher_record":{"Source/case and full literal URL":"S013 — Peters v. 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