{"meta":{"key":"s_id--pass-03","task":"S_ID","title":"SID official-source currency and NMLS-checklist evidence patch","parent_title":"Idaho debt and debt relief law","edition":"pass-03","path":"/research/s_id--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":12,"sources":22,"review_status":"accepted_with_limits","review_complete":true,"sha256":"941be4977823e2b677c48d910c2eca62c4fe9d7a78e31742fa96ba2b7e35d430","headings":["Bottom-line disposition","A1. C004 — credit-repair definition and exclusions","Substantive disposition","Replacement C004 source/currentness cells","Coverage consequence","A2. C028 — application updating, notice receipt, and NMLS route","What official evidence was added","What was not officially recovered","Replacement C028 source/currentness cells","A3. C030 — renewal, expiration, and reinstatement","What official evidence was added","What was not officially recovered","Replacement C030 source/currentness cells","D1. Company versus branch documents","D2. Exact state supplemental documents actually inspected","Consent to service and examination form","Agent notification material","Exact dependency sequence","Freshly read or visually inspected in PASS-03","Supplied or reused, not falsely relabeled as fresh official verification","Failed or unread routes preserved exactly","Not done"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-03","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession"],"subject":["tools-forms-checklists"]},"scope":"Only reviewed remaining official current four-section/change evidence and actual public NMLS company/renewal checklist gap; no full report/examples/federal/case rerun.","pending_corrections":0},"markdown":"# S_ID PASS-03 — official-source currency and NMLS-checklist evidence patch\n\n**Actual fresh public-source access date:** October 25, 2026, Pacific time, America/Los_Angeles.\n\n**Preservation rule:** P1 response 02b1cb10-7227-4f6a-9337-b56d3592d5ae and the entire P2 bounded correction remain immutable except for the narrow source-status and coverage qualifications below. No fee formula, refund calculation, federal analysis, *Wall* analysis, named-provider lookup, or worked example was rerun.\n\n**Review character:** Same-coordinator bounded review, not independent review.\n\n## Bottom-line disposition\n\n1. **Readable official current text was not recovered** for Idaho Code §§ 26-2222(5), 26-2223(8), 26-2224(1)–(2), or 26-2231(1)–(3). The Idaho Department of Finance’s official index still links to those Legislature sections, but a single fresh bounded click to § 26-2222 again failed as a restricted URL. The other previously failed section routes were not repeatedly retried. The exact P2 wording therefore remains supported by the identified **secondary 2025 code reproductions**, not newly authenticated as official current 2026 text. [Department of Finance](https://www.finance.idaho.gov/legal/statutes-and-rules/)\n2. Two official Idaho sources narrow the **2022 enactment history**:The Governor’s bill-action record lists H610 as “LAW” and shows it signed March 28, 2022, at 3:10 p.m.IDOF’s Summer 2022 newsletter says the changes would begin July 1, 2022, and identifies the incomplete-application, reinstatement, electronic-licensing/NMLS, and December 31 expiration changes at a general level.These sources corroborate P2’s broad procedural history, but neither supplies the enacted clauses, exact section-by-section amendment text, statutory effective clause, or any complete 2026 amendment comparison. [Idaho.gov+2](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf)\n3. **The actual current Idaho-specific NMLS company new-application and renewal checklist PDFs were not recovered.** NMLS’s current instructions establish that the public compilers are the mechanism for selecting and exporting the state-specific PDFs, but the compiler pages produced no readable checklist contents through this public route. The legacy static Idaho company and branch PDF paths now redirect to the NMLS home page. The renewal chart endpoint could not be opened, and no Idaho spreadsheet row was read. [Nationwide Licensing System+5](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx)\n4. Current supporting documents were recovered, but they do not close C033:NMLS Company Form MU1, Version 5.0 dated July 1, 2026, is a universal instructional company form, not an Idaho checklist.The NMLS Policy Guidebook updated August 15, 2026 expressly says it does not substitute for state requirements.IDOF’s current forms page links to NMLS and state supplemental forms.An IDOF consent form, Revision 01/2026, expressly covers applying for or renewing an Idaho Collection Agency Act license.A separate agent-notification PDF, Revision 7/2023, contains new-application and annual-agent instructions, but its quarterly filing-channel instructions conflict with IDOF’s current March 2026 Tyler-only notice and therefore cannot be treated as a wholly current checklist. [Nationwide Licensing System+6](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf)\n\nAccordingly, **C033 and C035 remain open**. PASS-03 narrows their evidence records but does not complete either one.\n\n# A. Affected-cell patches only\n\n## A1. C004 — credit-repair definition and exclusions\n\n### Substantive disposition\n\n**No substantive text change to P2 C004.**\n\nThe P2 treatment of § 26-2222(5)(a)–(c) and § 26-2223(8) remains the bounded interpretation of the complete 2025 secondary reproductions supplied and reviewed in P2. PASS-03 did not recover official current text for either section and did not recover a controlling 2026 enactment or official amendment chain confirming that the wording remained unchanged.\n\nThe 2022 H610 sources recovered in PASS-03 address other collection-agency licensing changes and do **not** authenticate the credit-repair definition or activity branch. No inference about §§ 26-2222(5) or 26-2223(8) is made from H610’s general procedural history.\n\n### Replacement C004 source/currentness cells\n\n| Field | PASS-03 replacement |\n| --- | --- |\n| **Sources and pinpoints** | **S002 § 26-2222(5)(a)–(c); S003 § 26-2223(8)** remain the exact substantive sources, each as a secondary 2025 reproduction. S001 is an official locator only; its linked Legislature text was not recovered. S_ID-P3-S001 and S_ID-P3-S002 concern H610’s 2022 general procedural history and do not establish the current text of the credit-repair definition or activity branch. |\n| **Conditions / limits** | All P2 definitional boundaries remain: every element of an exclusion must be met; § 26-2222(5)(c) is limited “to the extent” of the specified conduct; the definition exclusions remain distinct from § 26-2239 exemptions; and no inclusion or exclusion follows from a label, accreditation, nonprofit description, monitoring description, or claimed CRA affiliation. PASS-03 did not recover official current text or a complete 2026 amendment comparison. |\n| **Confidence** | High as to what the reviewed secondary 2025 text says; **official-current-text status remains unresolved**. No 2026 no-change conclusion is made from a search miss or blocked route. |\n\n### Coverage consequence\n\n| Component | PASS-03 status | Remaining dependency |\n| --- | --- | --- |\n| § 26-2222(5)(a)–(c) official current text | **Unresolved** | Readable official section text or controlling official codification plus amendment history. |\n| § 26-2223(8) official current text | **Unresolved** | Same. |\n| P2 classification qualification | **Preserved conditionally** | It remains a supported reading of the secondary 2025 wording, not certified current official 2026 text. |\n\n## A2. C028 — application updating, notice receipt, and NMLS route\n\n### What official evidence was added\n\nIDOF’s official Summer 2022 publication states that H610:\n\n- Codified treatment of an incomplete application after 60 days’ notice of deficiency.\n- Required license applications and renewals to use a director-prescribed electronic licensing system.\n- Required new applications filed on or after July 1, 2022 to be filed through NMLS.\n- Provided a transition deadline for existing paper licensees. [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf)\n\nIDOF’s current forms page, last updated April 3, 2026, continues to route collection-agency applications to NMLS. [Department of Finance](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/)\n\n### What was not officially recovered\n\nNeither official source supplies:\n\n- The exception for advertisements and solicitations in § 26-2224(1).\n- The exact subsection (2)(a)–(c) deemed-receipt events.\n- The complete operative 60-day language.\n- The current Idaho-specific NMLS company checklist.\n- A complete 2026 amendment comparison.\n\nThose precise propositions remain sourced to the reviewed 2025 secondary reproduction.\n\n### Replacement C028 source/currentness cells\n\n| Field | PASS-03 replacement |\n| --- | --- |\n| **Precise assertion** | P2 C028 remains unchanged substantively. Official agency material independently corroborates that H610 established the 60-day incomplete-application treatment at a general level and moved applications and renewals to a director-prescribed electronic system, with new applications routed through NMLS beginning July 1, 2022. The exact updating exception and deemed-receipt events remain established only from the accessible secondary 2025 reproduction. |\n| **Sources and pinpoints** | **S004 § 26-2224(1), especially (1)(l), and (2)(a)–(c)** for the precise reproduced wording; **S_ID-P3-S002, printed p. 3** for the official agency’s general H610 description and July 1, 2022 rollout; **S016, lines 156–170** for the current operational NMLS route and state supplemental forms. [Department of Finance+1](https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf) |\n| **Conditions / limits** | “Receipt” remains the statutory deemed-receipt event described in the secondary text, not proof of subjective or physical receipt. The official agency newsletter does not quote those events. No calendar computation, complete checklist, application sufficiency determination, or provider authority is established. |\n| **Confidence** | High that official sources corroborate the broad 2022 procedural changes and current NMLS routing; **partial** for current operative clause verification because the official section text was not recovered. |\n\n## A3. C030 — renewal, expiration, and reinstatement\n\n### What official evidence was added\n\nThe Governor’s official action log establishes that H610 became law and was signed March 28, 2022. IDOF’s Summer 2022 newsletter says the H610 changes would begin July 1, 2022, that licenses would expire annually on December 31, and that licensees would have an opportunity to reinstate an expired license under specified circumstances. [Idaho.gov+2](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf)\n\n### What was not officially recovered\n\nThe official materials read do not quote or establish:\n\n- The $100 renewal fee.\n- The $50 reinstatement fee.\n- “May reinstate” rather than mandatory reinstatement.\n- The licensing-requirements finding.\n- The complete-renewal-application condition.\n- The “unless previously paid” renewal-fee clause.\n- The exact 60-day statutory reinstatement period.\n- A current official 2026 version of § 26-2231.\n\nThose exact elements remain sourced to the reviewed secondary 2025 reproduction. NMLS’s generic company guidance separately describes a November 1–December 31 renewal period and possible January–February reinstatement where the regulator permits it, but NMLS expressly treats state requirements as controlling; that generic timetable cannot replace Idaho’s statute. [Nationwide Licensing System+3](https://mortgage.nationwidelicensingsystem.org/knowledge/products/nmls/pubs/ugCompState/licensing/company/topics/licComp_renew_compLicReg_renewing.html)\n\n### Replacement C030 source/currentness cells\n\n| Field | PASS-03 replacement |\n| --- | --- |\n| **Precise assertion** | P2 C030 remains unchanged substantively. Official Idaho sources corroborate H610’s law status, the agency-stated July 1, 2022 rollout, annual December 31 expiration, and the existence of a conditional reinstatement opportunity. The exact fee amounts, discretionary “may” standard, 60-day period, licensing finding, and submission conditions remain supported by the secondary 2025 reproduction rather than official current section text. |\n| **Sources and pinpoints** | **S010 § 26-2231(1)–(3)** for the precise reproduced provisions; **S_ID-P3-S001, H610 row** for official signature/law status; **S_ID-P3-S002, printed p. 3** for the agency’s general July 1 rollout, December 31 expiration, and reinstatement description. [Idaho.gov+1](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf) |\n| **Conditions / limits** | Reinstatement remains characterized as discretionary and conditional based on the secondary wording, not as an automatic right. No current official section, provider-specific eligibility determination, calendar calculation, or completed renewal checklist was recovered. No absence of later amendment is inferred. |\n| **Confidence** | High for the official 2022 enactment and general implementation history; **partial** for current operative clause verification. |\n\nNo changed rule requiring a new numerical example was found. All seven P1 examples remain untouched.\n\n# B. Complete focused source and usage table\n\n| Source ID | Document identity and literal URL | Actual PASS-03 use | Version / legal status | Limits |\n| --- | --- | --- | --- | --- |\n| **S001 — stable P1 alias** | IDOF, *Statutes and Rules* — https://www.finance.idaho.gov/legal/statutes-and-rules/ | **Freshly read.** The official agency index lists the ICAA and links §§ 26-2222, 26-2223, 26-2224, and 26-2231. | Official current agency locator. | Locator only; it does not reproduce or authenticate the operative section text. [Department of Finance](https://www.finance.idaho.gov/legal/statutes-and-rules/) |\n| **S030 — stable P1 failed-route record** | Idaho Legislature § 26-2222 — https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222 | **One fresh bounded attempt.** The click from the official IDOF index failed as a restricted URL. | Intended official section route; current content unread. | No substantive passage or version was recovered. The other previously failed section routes were supplied/reused and not repeatedly retried. (Invalid URL) |\n| **S030 — H610 bill-text branch** | Idaho Legislature H610 PDF — https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2022/legislation/H0610.pdf | **Fresh route previously attempted in this pass; failed.** | Intended official enacted-bill route. | Bill text, affected-section list, and effective clause were not read. Failure is not evidence of absence or content. |\n| **S_ID-P3-S001** | Idaho Governor, *Daily Bill Action—March 31, 2022* — https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf | **Freshly read and visually inspected.** Header and H610 row read. | Official historical executive record. H610 is marked “LAW” and signed March 28, 2022 at 3:10 p.m. | Establishes signature/law status, not bill text, section amendments, or effective clause. [Idaho.gov+1](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf) |\n| **S_ID-P3-S002** | IDOF, *Compliance Connection—Summer 2022* — https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf | **Freshly read and visually inspected, printed p. 3.** | Official historical agency publication. It states changes begin July 1, 2022 and describes H610’s application, reinstatement, NMLS, and expiration changes. | Agency explanation, not enacted text; does not quote precise clauses or prove continued 2026 wording. [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf) |\n| **S002 — stable P1 alias** | 2025 reproduction of § 26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/ | **Supplied/reused from P2; not promoted in P3.** | Secondary 2025 reproduction. | Continues to support the exact reproduced § 26-2222(5)(a)–(c) text only within P2’s currentness limitation. |\n| **S003 — stable P1 alias** | 2025 reproduction of § 26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/ | **Supplied/reused from P2.** | Secondary 2025 reproduction. | No official 2026 verification of subsection (8). |\n| **S004 — stable P1 alias** | 2025 reproduction of § 26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/ | **Supplied/reused from P2.** | Secondary 2025 reproduction. | Exact update exception and deemed-receipt events remain secondary-source findings. |\n| **S010 — stable P1 alias** | 2025 reproduction of § 26-2231 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2231/ | **Supplied/reused from P2.** | Secondary 2025 reproduction. | Exact fees, “may” language, 60-day period, and reinstatement conditions remain secondary-source findings. |\n| **S016 — stable P1 alias** | IDOF, *Collection Agency Forms* — https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/ | **Freshly read.** It routes applications to NMLS and lists current state supplemental forms. | Official operational page; last-updated marker April 3, 2026. | It is not the NMLS company checklist. It also says quarterly agent reporting became Tyler-only beginning with the March 2026 report. [Department of Finance](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/) |\n| **S024 — stable P1 alias** | NMLS, *Licensing Checklists, Requirements, and Fees* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx | **Freshly opened.** Page identity recovered, but zero readable checklist lines were returned. | Current public NMLS compiler route. | No Idaho license row or exported PDF was read. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) |\n| **S_ID-P3-S003** | NMLS, *Using the Checklist Compiler* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html | **Freshly read, lines 2–27.** | Current NMLS instruction. | Establishes the procedure: select filing type/license and export the state checklist PDF. It does not contain Idaho’s checklist requirements. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html) |\n| **S_ID-P3-F001** | Legacy company PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf | **Freshly attempted.** Redirected to NMLS Resource Center home. | Historical/static-path status unknown. | No PDF, version, date, or requirement text was recovered. It cannot be treated as the current checklist. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf) |\n| **S_ID-P3-F002** | Legacy branch PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf | **Freshly attempted.** Redirected to NMLS Resource Center home. | Historical/static-path status unknown. | Shows only that a separately named branch path existed; it does not establish current Idaho branch licensing requirements. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf) |\n| **S_ID-P3-S004** | NMLS, *Renewal Checklists, Requirements, and Fees* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx | **Freshly opened.** Zero readable checklist lines returned. | Current public NMLS renewal-compiler route. | No Idaho company renewal PDF was read. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx) |\n| **S_ID-P3-S005** | NMLS, *Using the Annual Renewal Checklist Compiler* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html | **Freshly read, lines 78–92.** Despite the URL path, its visible breadcrumb and content address company renewals. | Current NMLS procedural instruction. | Establishes Company/State/License Type/Renewal Year filters and PDF download procedure, not Idaho’s substantive checklist. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html) |\n| **S_ID-P3-F003** | NMLS/CSBS, *Renewal Deadlines, Requirements, and Fees Chart* — https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees | **Freshly followed from NMLS instructions; content could not be opened.** | Current chart route described by NMLS as an Excel spreadsheet. | No workbook, Idaho row, deadline, fee, or agency-specific item was inspected. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugIndState/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.html) |\n| **S_ID-P3-S006** | NMLS, *NMLS Company Form (MU1)* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf | **Freshly read and visually inspected.** | Version 5.0, July 1, 2026; CSBS/NMLS universal company form. | Applies generally to companies and sole proprietors; expressly instructional only. It is not Idaho-specific. Branches use MU3 where a state requires branch licensing. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| **S_ID-P3-S007** | NMLS, *Policy Guidebook for Licensees* — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf | **Freshly read and visually inspected, printed pp. 7 and 13.** | Updated August 15, 2026. | Expressly not a substitute for state licensing requirements; directs applicants to state licensing checklists for requirements inside and outside NMLS. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf) |\n| **S_ID-P3-F004** | IDOF current new-application agent DOCX — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Collection-Agency-New-Application-Notification-Form-and-Instructions.docx | **Freshly followed from S016; body could not be opened.** | Official current-page link; document version not read. | Title alone is not evidence of its operative contents. It was not equated with the older PDF below. [Department of Finance](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/) |\n| **S_ID-P3-S008** | IDOF, *Annual/Quarterly Notification of Agents/Collectors* — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf | **Freshly read and visually inspected, both pages.** | Form Revision 7/2023; hosted in a 2026 directory. | Contains new-application and annual-agent instructions, but its Access Idaho/paper quarterly directions conflict with S016’s March 2026 Tyler-only notice. It is a partial supporting form, not the current complete company application or renewal checklist. [Department of Finance+2](https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf) |\n| **S_ID-P3-S009** | IDOF, *Consent to Service of Process and Consent to Examination of Accounts* — https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf | **Freshly read and visually inspected.** | Revision 01/2026; official state form. | Applies to an applicant/licensee applying for or renewing an ICAA license and identifies one state supplemental requirement. It is not a complete application or renewal checklist. [Department of Finance+1](https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf) |\n\n# C. PASS-03 evidence and corrective claims\n\n| Claim ID | Precise claim | Sources / pinpoints | Conditions and limits |\n| --- | --- | --- | --- |\n| **S_ID-P3-C001** | The official IDOF index supplies current official links to the four affected sections, but a fresh bounded attempt to read § 26-2222 through that link failed; no readable official current text was recovered for the four affected sections. | S001; S030 fresh § 26-2222 failure. [Department of Finance](https://www.finance.idaho.gov/legal/statutes-and-rules/) | The remaining previously failed routes were not repeatedly retried. Failure does not establish statutory content or absence of amendment. |\n| **S_ID-P3-C002** | Official executive records show H610 became law and was signed March 28, 2022 at 3:10 p.m. | S_ID-P3-S001, header and H610 row. [Idaho.gov+1](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf) | Does not identify affected sections or supply bill text/effective clause. |\n| **S_ID-P3-C003** | IDOF stated that H610’s described changes would begin July 1, 2022 and identified general incomplete-application, reinstatement, electronic-licensing/NMLS, and December 31 expiration changes. | S_ID-P3-S002, printed p. 3. [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf) | Official agency historical explanation, not operative statutory text. “Beginning July 1” is recorded as the agency statement; the enacted effective clause was not read. |\n| **S_ID-P3-C004** | PASS-03 found no official source authenticating the complete current text of § 26-2222(5)(a)–(c) or § 26-2223(8); P2 C004 therefore remains a secondary-text finding with C035 still open. | S001, S030; P2 S002/S003 retained. | No no-change or no-amendment conclusion is drawn. |\n| **S_ID-P3-C005** | Official sources corroborate the general 2022 changes underlying C028, but not the advertisement/solicitation updating exception or the three deemed-receipt events. | S_ID-P3-S002; P2 S004 for precise wording. [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf) | C028’s precise clauses remain secondary-source findings. |\n| **S_ID-P3-C006** | Official sources corroborate annual December 31 expiration and a reinstatement opportunity, but not C030’s exact $100/$50 amounts, “may” language, 60-day period, licensing finding, complete-application condition, or “unless previously paid” clause. | S_ID-P3-S001–S002; P2 S010 for precise wording. [Idaho.gov+1](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf) | C030 remains conditionally supported; no automatic reinstatement or current-text certification. |\n| **S_ID-P3-C007** | The public NMLS new-application and annual-renewal compilers are the official mechanisms for selecting and downloading state-specific checklist PDFs. | S_ID-P3-S003 and S_ID-P3-S005. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html) | Procedure verified; actual Idaho PDFs not recovered. |\n| **S_ID-P3-C008** | The current universal MU1 form is a company form, while branches are handled through MU3 when required; neither the MU1 nor the NMLS Guidebook substitutes for Idaho’s state-specific company or branch checklist. | S_ID-P3-S006–S007. [Nationwide Licensing System+2](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) | No current Idaho branch-registration conclusion is made. |\n| **S_ID-P3-C009** | IDOF currently routes collection-agency applications to NMLS and publishes state supplemental documents, including a Revision 01/2026 consent form for applying or renewing. | S016; S_ID-P3-S009. [Department of Finance+1](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/) | These documents do not collectively constitute the complete NMLS company checklist. |\n| **S_ID-P3-C010** | The Revision 7/2023 agent PDF is only partial evidence: it contains new-application and annual-agent requirements, but at least its quarterly filing-channel instructions have been superseded by IDOF’s March 2026 Tyler-only notice. | S016; S_ID-P3-S008. [Department of Finance+2](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/) | The unread current DOCX must not be assumed identical to the older PDF. |\n| **S_ID-P3-C011** | The actual current Idaho company new-application checklist, company renewal checklist, and renewal-chart Idaho row were not read; C033 remains unresolved. | S024; S_ID-P3-S003–S005; failed routes F001–F004. [Nationwide Licensing System+3](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx) | No checklist contents, current branch requirements, or company authority are inferred. |\n| **S_ID-P3-C012** | C035 is narrowed only by official 2022 signature and agency implementation evidence; official current text and a complete 2026 amendment comparison remain unresolved. | S_ID-P3-S001–S002; S001/S030. [Idaho.gov+1](https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf) | Does not certify the entire Act, current fee schedule, Idaho, A066, or publication readiness. |\n\nAll P1 and P2 claim identities remain stable. These P3 claims record evidence status and bounded qualifications rather than replacing the supported substantive formulas or examples.\n\n# D. Actual checklist evidence recovered\n\n## D1. Company versus branch documents\n\n| Document | Actual scope | What it establishes | What it does not establish |\n| --- | --- | --- | --- |\n| **NMLS MU1, Version 5.0, July 1, 2026** | Universal company/sole-proprietor filing form | General company record and filing architecture; state/activity selection; MU2 involvement for specified persons; branch locations may require separate reporting through MU3. | Idaho Collection Agency License-specific documents, fees, bonds, state supplements, branch requirement, or approval. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| **NMLS MU3 architecture** | Branch form, referenced in MU1 and NMLS company guidance | Confirms that branch filings are distinct from company MU1 filings in NMLS. | Whether a particular Idaho collection-agency location currently requires a branch registration, and the current Idaho branch checklist. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf) |\n| **Idaho company static checklist path** | Legacy path labeled as an ID Collection Agency License company new-application checklist | Only the path identity. | No current PDF or contents; it redirects home. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf) |\n| **Idaho branch static checklist path** | Legacy path labeled as an ID Collection Agency Registration branch new-application checklist | Only the separate path identity. | No current PDF, current license title, or requirements; it redirects home. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf) |\n\n## D2. Exact state supplemental documents actually inspected\n\n### Consent to service and examination form\n\nThe IDOF form is Revision 01/2026. It identifies the applicant/licensee entity, requires appointment of the director to receive lawful process, consents to examination of specified financial accounts, includes signature/title information, and requires notarization. Its text expressly applies to a person “applying for or renewing” an Idaho Collection Agency Act license. [Department of Finance+1](https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf)\n\nThis establishes one current state supplemental document. It does not establish where NMLS expects it to be uploaded, the checklist document label, whether it must be mailed separately, or every new-application/renewal requirement.\n\n### Agent notification material\n\nThe Revision 7/2023 PDF states, for a new application, that the filer should identify the filing as a new application, list agents alphabetically and by location, attach legal documents and explanations for specified affirmative criminal-history answers, and include the stated per-agent charge. It separately contains annual-agent instructions and reproduces a § 26-2240 agent-list summary. [Department of Finance+1](https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf)\n\nBut the document’s quarterly instructions refer to Access Idaho and paper filing, while IDOF’s current page states that quarterly agent reporting became exclusively Tyler-based beginning with the March 2026 report. The PDF is therefore not treated as a wholly current procedural checklist. [Department of Finance](https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/)\n\nThe current forms page separately links a DOCX titled “Collection Agency New Application Notification of Agents/Collectors Form and Instructions,” but that document’s body and revision date could not be opened. Its title alone does not permit replacement of the older PDF or assumption that their contents match.\n\n# E. Focused coverage and remaining-gap table\n\n| Exact PASS-03 component | Status | Claims | Exact remaining evidence / next action |\n| --- | --- | --- | --- |\n| Official current § 26-2222(5) text | **Unresolved** | P3-C001, C004 | Obtain readable official Legislature/codifier text and section history; compare only subsection (5)(a)–(c). |\n| Official current § 26-2223(8) text | **Unresolved** | P3-C001, C004 | Same, limited to subsection (8). |\n| Official current § 26-2224(1)–(2) text | **Partial** | P3-C002, C003, C005 | H610 history and broad change are corroborated; exact updating exception, deemed-receipt language, and current amendments require official text. |\n| Official current § 26-2231(1)–(3) text | **Partial** | P3-C002, C003, C006 | December 31 expiration and reinstatement opportunity are broadly corroborated; exact fees, discretion, 60-day period, and conditions require official text. |\n| H610 signature/law status | **Answered** | P3-C002 | Official Governor record read. |\n| H610 agency-stated rollout date | **Answered with qualification** | P3-C003 | IDOF says changes begin July 1, 2022; enacted effective clause remains unread. |\n| H610 enacted bill text | **Unresolved** | P3-C002–C006 | Recover the official H0610 PDF or official session-law chapter through a readable public route. |\n| Complete 2026 amendment comparison | **Unresolved** | P3-C004–C006, C012 | Recover official current section histories and any 2026 sections-affected/session-law materials. No absence claim from search failure. |\n| Current Idaho company new-application checklist | **Unresolved** | P3-C007, C011 | Export the actual Idaho company PDF from the NMLS Checklist Compiler; preserve its title, regulator, version/date, inside-NMLS and outside-NMLS requirements. |\n| Current Idaho company renewal checklist | **Unresolved** | P3-C007, C011 | Export the actual Company/Idaho/license/year PDF from the Annual Renewal Checklist Compiler. |\n| Current Idaho row in NMLS renewal spreadsheet | **Unresolved** | P3-C011 | Open the official renewal workbook and read the exact Idaho company row, including deadline, reinstatement, payment route, and supplemental-document fields. |\n| Generic current MU1 company form | **Answered** | P3-C008 | Version 5.0 dated July 1, 2026 inspected; not state-specific. |\n| Company-versus-branch NMLS architecture | **Answered generically; Idaho-specific rule unresolved** | P3-C008 | MU1/MU3 distinction verified. Current Idaho branch requirement and branch checklist remain held. |\n| Current state consent form | **Answered as one partial requirement** | P3-C009 | Revision 01/2026 inspected; checklist placement/submission route remains unresolved. |\n| Current new-application agent form | **Partial** | P3-C010 | Current DOCX title visible but body unread; older Revision 7/2023 PDF inspected and cannot be presumed identical. |\n| Current quarterly agent filing channel | **Answered operationally** | P3-C010 | IDOF says Tyler-only beginning March 2026; this does not determine new-application or annual-renewal submission mechanics. |\n| C033 exact-checklist hold | **Still open** | P3-C007–C011 | No actual Idaho company checklist PDF or renewal row recovered. |\n| C035 official-current-text hold | **Still open, narrowed historically** | P3-C001–C006, C012 | Official 2022 signature and implementation evidence added; current operative text remains unavailable. |\n| P1/P2 fee formulas, refunds, timing and examples | **Preserved; outside PASS-03** | Original P1/P2 claims | No changed rule was established and no rerun was performed. |\n| Named-provider license status | **Excluded and not attempted** | — | Requires exact legal name/NMLS ID and actual registry result in a separate authorized task. |\n| Full contracts, funds, bond, remedies and other Idaho categories | **Excluded** | — | Remain later passes; no completion or acceptance implied. |\n\n### Exact dependency sequence\n\nC033 can close only after the actual current Idaho **Company New Application** and **Company Annual Renewal** checklist outputs are exported from the public NMLS compilers and read, together with the relevant Idaho row in the official renewal spreadsheet.\n\nC035 can close for these four sections only after readable official current section text—or an official codification/session-law chain sufficient to reproduce it—is obtained and compared against the reviewed secondary wording. H610’s official signature record and IDOF’s historical description are not substitutes for that comparison.\n\n# F. Researcher self-check\n\n## Freshly read or visually inspected in PASS-03\n\n- IDOF’s official statutes-and-rules index.\n- One bounded fresh official § 26-2222 link attempt, which failed as restricted.\n- The Governor’s March 31, 2022 daily bill-action record, including its column headings and H610 row.\n- IDOF’s Summer 2022 newsletter page describing H610.\n- IDOF’s current collection-agency forms page.\n- NMLS’s new-application checklist-compiler instructions.\n- NMLS’s annual-renewal checklist-compiler instructions.\n- NMLS Company Form MU1, Version 5.0 dated July 1, 2026.\n- NMLS Policy Guidebook pages identifying its purpose, limits, MU1/MU2/MU3/MU4 architecture, and state-specific requirements outside NMLS.\n- The Revision 7/2023 IDOF agent-notification PDF.\n- The Revision 01/2026 IDOF consent-to-service/examination form.\n- Current generic NMLS company renewal and reinstatement guidance, used only for system context.\n\n## Supplied or reused, not falsely relabeled as fresh official verification\n\n- The reviewed 2025 secondary reproductions of §§ 26-2222, 26-2223, 26-2224, and 26-2231.\n- P1/P2 federal authorities, *Wall* materials, fee findings, formulas, examples, source aliases, and prior failed section routes.\n- P2’s complete classification, application, reinstatement, reference, and case-pinpoint corrections.\n\n## Failed or unread routes preserved exactly\n\n- Official Legislature § 26-2222 route: restricted/fetch failure.\n- Official Legislature H0610 PDF: unread through the available route.\n- Legacy static Idaho NMLS company checklist URL: redirected to NMLS home.\n- Legacy static Idaho NMLS branch checklist URL: redirected to NMLS home.\n- Current annual-renewal compiler: no readable Idaho checklist contents returned.\n- Official renewal spreadsheet endpoint: workbook contents not opened.\n- Current IDOF new-application agent DOCX: title and URL recovered, body not opened.\n\n## Not done\n\n- No repeated brute-force retries of the blocked Legislature section set.\n- No invented URL variants, proxy, API, CAPTCHA, credential, or account workaround.\n- No NMLS login, application filing, fee payment, account permission, or private-entity data access.\n- No named-provider search or authorization claim.\n- No whole-Act, current-fee-schedule, federal, *Wall*, contract, funds, bond, remedies, or worked-example rerun.\n- No claim of independent review, Idaho completion, A066 acceptance, or publication readiness.\n\n**END S_ID PASS-03.**\n\n","tables":[{"headers":["Field","PASS-03 replacement"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Field","PASS-03 replacement"],["Sources and pinpoints","S002 § 26-2222(5)(a)–(c); S003 § 26-2223(8) remain the exact substantive sources, each as a secondary 2025 reproduction. S001 is an official locator only; its linked Legislature text was not recovered. S_ID-P3-S001 and S_ID-P3-S002 concern H610’s 2022 general procedural history and do not establish the current text of the credit-repair definition or activity branch."],["Conditions / limits","All P2 definitional boundaries remain: every element of an exclusion must be met; § 26-2222(5)(c) is limited “to the extent” of the specified conduct; the definition exclusions remain distinct from § 26-2239 exemptions; and no inclusion or exclusion follows from a label, accreditation, nonprofit description, monitoring description, or claimed CRA affiliation. PASS-03 did not recover official current text or a complete 2026 amendment comparison."],["Confidence","High as to what the reviewed secondary 2025 text says; official-current-text status remains unresolved. No 2026 no-change conclusion is made from a search miss or blocked route."]]},{"headers":["Component","PASS-03 status","Remaining dependency"],"index":1,"links":[],"row_links":[[],[],[],[]],"rows":[["Component","PASS-03 status","Remaining dependency"],["§ 26-2222(5)(a)–(c) official current text","Unresolved","Readable official section text or controlling official codification plus amendment history."],["§ 26-2223(8) official current text","Unresolved","Same."],["P2 classification qualification","Preserved conditionally","It remains a supported reading of the secondary 2025 wording, not certified current official 2026 text."]]},{"headers":["Field","PASS-03 replacement"],"index":2,"links":[{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance\n+1"}],"row_links":[[],[],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance\n+1"}],[],[]],"rows":[["Field","PASS-03 replacement"],["Precise assertion","P2 C028 remains unchanged substantively. Official agency material independently corroborates that H610 established the 60-day incomplete-application treatment at a general level and moved applications and renewals to a director-prescribed electronic system, with new applications routed through NMLS beginning July 1, 2022. The exact updating exception and deemed-receipt events remain established only from the accessible secondary 2025 reproduction."],["Sources and pinpoints","S004 § 26-2224(1), especially (1)(l), and (2)(a)–(c) for the precise reproduced wording; S_ID-P3-S002, printed p. 3 for the official agency’s general H610 description and July 1, 2022 rollout; S016, lines 156–170 for the current operational NMLS route and state supplemental forms. \nDepartment of Finance\n+1"],["Conditions / limits","“Receipt” remains the statutory deemed-receipt event described in the secondary text, not proof of subjective or physical receipt. The official agency newsletter does not quote those events. No calendar computation, complete checklist, application sufficiency determination, or provider authority is established."],["Confidence","High that official sources corroborate the broad 2022 procedural changes and current NMLS routing; partial for current operative clause verification because the official section text was not recovered."]]},{"headers":["Field","PASS-03 replacement"],"index":3,"links":[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],"row_links":[[],[],[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],[],[]],"rows":[["Field","PASS-03 replacement"],["Precise assertion","P2 C030 remains unchanged substantively. Official Idaho sources corroborate H610’s law status, the agency-stated July 1, 2022 rollout, annual December 31 expiration, and the existence of a conditional reinstatement opportunity. The exact fee amounts, discretionary “may” standard, 60-day period, licensing finding, and submission conditions remain supported by the secondary 2025 reproduction rather than official current section text."],["Sources and pinpoints","S010 § 26-2231(1)–(3) for the precise reproduced provisions; S_ID-P3-S001, H610 row for official signature/law status; S_ID-P3-S002, printed p. 3 for the agency’s general July 1 rollout, December 31 expiration, and reinstatement description. \nIdaho.gov\n+1"],["Conditions / limits","Reinstatement remains characterized as discretionary and conditional based on the secondary wording, not as an automatic right. No current official section, provider-specific eligibility determination, calendar calculation, or completed renewal checklist was recovered. No absence of later amendment is inferred."],["Confidence","High for the official 2022 enactment and general implementation history; partial for current operative clause verification."]]},{"headers":["Source ID","Document identity and literal URL","Actual PASS-03 use","Version / legal status","Limits"],"index":4,"links":[{"href":"https://www.finance.idaho.gov/legal/statutes-and-rules/","text":"Department of Finance"},{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"},{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"},{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugIndState/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.html","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance"},{"href":"https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf","text":"Department of Finance\n+2"},{"href":"https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf","text":"Department of Finance\n+1"}],"row_links":[[],[{"href":"https://www.finance.idaho.gov/legal/statutes-and-rules/","text":"Department of Finance"}],[],[],[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"}],[],[],[],[],[{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugIndState/licensing/individual/topics/licInd_mu4_renewusingTheRenewalDeadlinesRequirementsAndFeesChart.html","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance"}],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf","text":"Department of Finance\n+2"}],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf","text":"Department of Finance\n+1"}]],"rows":[["Source ID","Document identity and literal URL","Actual PASS-03 use","Version / legal status","Limits"],["S001 — stable P1 alias","IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Freshly read. The official agency index lists the ICAA and links §§ 26-2222, 26-2223, 26-2224, and 26-2231.","Official current agency locator.","Locator only; it does not reproduce or authenticate the operative section text. \nDepartment of Finance"],["S030 — stable P1 failed-route record","Idaho Legislature § 26-2222 — https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222","One fresh bounded attempt. The click from the official IDOF index failed as a restricted URL.","Intended official section route; current content unread.","No substantive passage or version was recovered. The other previously failed section routes were supplied/reused and not repeatedly retried. (Invalid URL)"],["S030 — H610 bill-text branch","Idaho Legislature H610 PDF — https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2022/legislation/H0610.pdf","Fresh route previously attempted in this pass; failed.","Intended official enacted-bill route.","Bill text, affected-section list, and effective clause were not read. Failure is not evidence of absence or content."],["S_ID-P3-S001","Idaho Governor, Daily Bill Action—March 31, 2022 — https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","Freshly read and visually inspected. Header and H610 row read.","Official historical executive record. H610 is marked “LAW” and signed March 28, 2022 at 3:10 p.m.","Establishes signature/law status, not bill text, section amendments, or effective clause. \nIdaho.gov\n+1"],["S_ID-P3-S002","IDOF, Compliance Connection—Summer 2022 — https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","Freshly read and visually inspected, printed p. 3.","Official historical agency publication. It states changes begin July 1, 2022 and describes H610’s application, reinstatement, NMLS, and expiration changes.","Agency explanation, not enacted text; does not quote precise clauses or prove continued 2026 wording. \nDepartment of Finance"],["S002 — stable P1 alias","2025 reproduction of § 26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/","Supplied/reused from P2; not promoted in P3.","Secondary 2025 reproduction.","Continues to support the exact reproduced § 26-2222(5)(a)–(c) text only within P2’s currentness limitation."],["S003 — stable P1 alias","2025 reproduction of § 26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/","Supplied/reused from P2.","Secondary 2025 reproduction.","No official 2026 verification of subsection (8)."],["S004 — stable P1 alias","2025 reproduction of § 26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/","Supplied/reused from P2.","Secondary 2025 reproduction.","Exact update exception and deemed-receipt events remain secondary-source findings."],["S010 — stable P1 alias","2025 reproduction of § 26-2231 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2231/","Supplied/reused from P2.","Secondary 2025 reproduction.","Exact fees, “may” language, 60-day period, and reinstatement conditions remain secondary-source findings."],["S016 — stable P1 alias","IDOF, Collection Agency Forms — https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","Freshly read. It routes applications to NMLS and lists current state supplemental forms.","Official operational page; last-updated marker April 3, 2026.","It is not the NMLS company checklist. It also says quarterly agent reporting became Tyler-only beginning with the March 2026 report. \nDepartment of Finance"],["S024 — stable P1 alias","NMLS, Licensing Checklists, Requirements, and Fees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Freshly opened. Page identity recovered, but zero readable checklist lines were returned.","Current public NMLS compiler route.","No Idaho license row or exported PDF was read. \nNationwide Licensing System\n+1"],["S_ID-P3-S003","NMLS, Using the Checklist Compiler — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","Freshly read, lines 2–27.","Current NMLS instruction.","Establishes the procedure: select filing type/license and export the state checklist PDF. It does not contain Idaho’s checklist requirements. \nNationwide Licensing System"],["S_ID-P3-F001","Legacy company PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","Freshly attempted. Redirected to NMLS Resource Center home.","Historical/static-path status unknown.","No PDF, version, date, or requirement text was recovered. It cannot be treated as the current checklist. \nNationwide Licensing System"],["S_ID-P3-F002","Legacy branch PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","Freshly attempted. Redirected to NMLS Resource Center home.","Historical/static-path status unknown.","Shows only that a separately named branch path existed; it does not establish current Idaho branch licensing requirements. \nNationwide Licensing System"],["S_ID-P3-S004","NMLS, Renewal Checklists, Requirements, and Fees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","Freshly opened. Zero readable checklist lines returned.","Current public NMLS renewal-compiler route.","No Idaho company renewal PDF was read. \nNationwide Licensing System"],["S_ID-P3-S005","NMLS, Using the Annual Renewal Checklist Compiler — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html","Freshly read, lines 78–92. Despite the URL path, its visible breadcrumb and content address company renewals.","Current NMLS procedural instruction.","Establishes Company/State/License Type/Renewal Year filters and PDF download procedure, not Idaho’s substantive checklist. \nNationwide Licensing System"],["S_ID-P3-F003","NMLS/CSBS, Renewal Deadlines, Requirements, and Fees Chart — https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees","Freshly followed from NMLS instructions; content could not be opened.","Current chart route described by NMLS as an Excel spreadsheet.","No workbook, Idaho row, deadline, fee, or agency-specific item was inspected. \nNationwide Licensing System"],["S_ID-P3-S006","NMLS, NMLS Company Form (MU1) — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","Freshly read and visually inspected.","Version 5.0, July 1, 2026; CSBS/NMLS universal company form.","Applies generally to companies and sole proprietors; expressly instructional only. It is not Idaho-specific. Branches use MU3 where a state requires branch licensing. \nNationwide Licensing System\n+1"],["S_ID-P3-S007","NMLS, Policy Guidebook for Licensees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","Freshly read and visually inspected, printed pp. 7 and 13.","Updated August 15, 2026.","Expressly not a substitute for state licensing requirements; directs applicants to state licensing checklists for requirements inside and outside NMLS. \nNationwide Licensing System\n+1"],["S_ID-P3-F004","IDOF current new-application agent DOCX — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Collection-Agency-New-Application-Notification-Form-and-Instructions.docx","Freshly followed from S016; body could not be opened.","Official current-page link; document version not read.","Title alone is not evidence of its operative contents. It was not equated with the older PDF below. \nDepartment of Finance"],["S_ID-P3-S008","IDOF, Annual/Quarterly Notification of Agents/Collectors — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf","Freshly read and visually inspected, both pages.","Form Revision 7/2023; hosted in a 2026 directory.","Contains new-application and annual-agent instructions, but its Access Idaho/paper quarterly directions conflict with S016’s March 2026 Tyler-only notice. It is a partial supporting form, not the current complete company application or renewal checklist. \nDepartment of Finance\n+2"],["S_ID-P3-S009","IDOF, Consent to Service of Process and Consent to Examination of Accounts — https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf","Freshly read and visually inspected.","Revision 01/2026; official state form.","Applies to an applicant/licensee applying for or renewing an ICAA license and identifies one state supplemental requirement. It is not a complete application or renewal checklist. \nDepartment of Finance\n+1"]]},{"headers":["Claim ID","Precise claim","Sources / pinpoints","Conditions and limits"],"index":5,"links":[{"href":"https://www.finance.idaho.gov/legal/statutes-and-rules/","text":"Department of Finance"},{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"},{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"},{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"},{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"},{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance\n+1"},{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance\n+2"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+3"},{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],"row_links":[[],[{"href":"https://www.finance.idaho.gov/legal/statutes-and-rules/","text":"Department of Finance"}],[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"}],[],[{"href":"https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","text":"Department of Finance"}],[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+2"}],[{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance\n+1"}],[{"href":"https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","text":"Department of Finance\n+2"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","text":"Nationwide Licensing System\n+3"}],[{"href":"https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","text":"Idaho.gov\n+1"}]],"rows":[["Claim ID","Precise claim","Sources / pinpoints","Conditions and limits"],["S_ID-P3-C001","The official IDOF index supplies current official links to the four affected sections, but a fresh bounded attempt to read § 26-2222 through that link failed; no readable official current text was recovered for the four affected sections.","S001; S030 fresh § 26-2222 failure. \nDepartment of Finance","The remaining previously failed routes were not repeatedly retried. Failure does not establish statutory content or absence of amendment."],["S_ID-P3-C002","Official executive records show H610 became law and was signed March 28, 2022 at 3:10 p.m.","S_ID-P3-S001, header and H610 row. \nIdaho.gov\n+1","Does not identify affected sections or supply bill text/effective clause."],["S_ID-P3-C003","IDOF stated that H610’s described changes would begin July 1, 2022 and identified general incomplete-application, reinstatement, electronic-licensing/NMLS, and December 31 expiration changes.","S_ID-P3-S002, printed p. 3. \nDepartment of Finance","Official agency historical explanation, not operative statutory text. “Beginning July 1” is recorded as the agency statement; the enacted effective clause was not read."],["S_ID-P3-C004","PASS-03 found no official source authenticating the complete current text of § 26-2222(5)(a)–(c) or § 26-2223(8); P2 C004 therefore remains a secondary-text finding with C035 still open.","S001, S030; P2 S002/S003 retained.","No no-change or no-amendment conclusion is drawn."],["S_ID-P3-C005","Official sources corroborate the general 2022 changes underlying C028, but not the advertisement/solicitation updating exception or the three deemed-receipt events.","S_ID-P3-S002; P2 S004 for precise wording. \nDepartment of Finance","C028’s precise clauses remain secondary-source findings."],["S_ID-P3-C006","Official sources corroborate annual December 31 expiration and a reinstatement opportunity, but not C030’s exact $100/$50 amounts, “may” language, 60-day period, licensing finding, complete-application condition, or “unless previously paid” clause.","S_ID-P3-S001–S002; P2 S010 for precise wording. \nIdaho.gov\n+1","C030 remains conditionally supported; no automatic reinstatement or current-text certification."],["S_ID-P3-C007","The public NMLS new-application and annual-renewal compilers are the official mechanisms for selecting and downloading state-specific checklist PDFs.","S_ID-P3-S003 and S_ID-P3-S005. \nNationwide Licensing System\n+1","Procedure verified; actual Idaho PDFs not recovered."],["S_ID-P3-C008","The current universal MU1 form is a company form, while branches are handled through MU3 when required; neither the MU1 nor the NMLS Guidebook substitutes for Idaho’s state-specific company or branch checklist.","S_ID-P3-S006–S007. \nNationwide Licensing System\n+2","No current Idaho branch-registration conclusion is made."],["S_ID-P3-C009","IDOF currently routes collection-agency applications to NMLS and publishes state supplemental documents, including a Revision 01/2026 consent form for applying or renewing.","S016; S_ID-P3-S009. \nDepartment of Finance\n+1","These documents do not collectively constitute the complete NMLS company checklist."],["S_ID-P3-C010","The Revision 7/2023 agent PDF is only partial evidence: it contains new-application and annual-agent requirements, but at least its quarterly filing-channel instructions have been superseded by IDOF’s March 2026 Tyler-only notice.","S016; S_ID-P3-S008. \nDepartment of Finance\n+2","The unread current DOCX must not be assumed identical to the older PDF."],["S_ID-P3-C011","The actual current Idaho company new-application checklist, company renewal checklist, and renewal-chart Idaho row were not read; C033 remains unresolved.","S024; S_ID-P3-S003–S005; failed routes F001–F004. \nNationwide Licensing System\n+3","No checklist contents, current branch requirements, or company authority are inferred."],["S_ID-P3-C012","C035 is narrowed only by official 2022 signature and agency implementation evidence; official current text and a complete 2026 amendment comparison remain unresolved.","S_ID-P3-S001–S002; S001/S030. \nIdaho.gov\n+1","Does not certify the entire Act, current fee schedule, Idaho, A066, or publication readiness."]]},{"headers":["Document","Actual scope","What it establishes","What it does not establish"],"index":6,"links":[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","text":"Nationwide Licensing System"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],"row_links":[[],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","text":"Nationwide Licensing System\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","text":"Nationwide Licensing System"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","text":"Nationwide Licensing System"}]],"rows":[["Document","Actual scope","What it establishes","What it does not establish"],["NMLS MU1, Version 5.0, July 1, 2026","Universal company/sole-proprietor filing form","General company record and filing architecture; state/activity selection; MU2 involvement for specified persons; branch locations may require separate reporting through MU3.","Idaho Collection Agency License-specific documents, fees, bonds, state supplements, branch requirement, or approval. \nNationwide Licensing System"],["NMLS MU3 architecture","Branch form, referenced in MU1 and NMLS company guidance","Confirms that branch filings are distinct from company MU1 filings in NMLS.","Whether a particular Idaho collection-agency location currently requires a branch registration, and the current Idaho branch checklist. \nNationwide Licensing System\n+1"],["Idaho company static checklist path","Legacy path labeled as an ID Collection Agency License company new-application checklist","Only the path identity.","No current PDF or contents; it redirects home. \nNationwide Licensing System"],["Idaho branch static checklist path","Legacy path labeled as an ID Collection Agency Registration branch new-application checklist","Only the separate path identity.","No current PDF, current license title, or requirements; it redirects home. \nNationwide Licensing System"]]},{"headers":["Exact PASS-03 component","Status","Claims","Exact remaining evidence / next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Exact PASS-03 component","Status","Claims","Exact remaining evidence / next action"],["Official current § 26-2222(5) text","Unresolved","P3-C001, C004","Obtain readable official Legislature/codifier text and section history; compare only subsection (5)(a)–(c)."],["Official current § 26-2223(8) text","Unresolved","P3-C001, C004","Same, limited to subsection (8)."],["Official current § 26-2224(1)–(2) text","Partial","P3-C002, C003, C005","H610 history and broad change are corroborated; exact updating exception, deemed-receipt language, and current amendments require official text."],["Official current § 26-2231(1)–(3) text","Partial","P3-C002, C003, C006","December 31 expiration and reinstatement opportunity are broadly corroborated; exact fees, discretion, 60-day period, and conditions require official text."],["H610 signature/law status","Answered","P3-C002","Official Governor record read."],["H610 agency-stated rollout date","Answered with qualification","P3-C003","IDOF says changes begin July 1, 2022; enacted effective clause remains unread."],["H610 enacted bill text","Unresolved","P3-C002–C006","Recover the official H0610 PDF or official session-law chapter through a readable public route."],["Complete 2026 amendment comparison","Unresolved","P3-C004–C006, C012","Recover official current section histories and any 2026 sections-affected/session-law materials. No absence claim from search failure."],["Current Idaho company new-application checklist","Unresolved","P3-C007, C011","Export the actual Idaho company PDF from the NMLS Checklist Compiler; preserve its title, regulator, version/date, inside-NMLS and outside-NMLS requirements."],["Current Idaho company renewal checklist","Unresolved","P3-C007, C011","Export the actual Company/Idaho/license/year PDF from the Annual Renewal Checklist Compiler."],["Current Idaho row in NMLS renewal spreadsheet","Unresolved","P3-C011","Open the official renewal workbook and read the exact Idaho company row, including deadline, reinstatement, payment route, and supplemental-document fields."],["Generic current MU1 company form","Answered","P3-C008","Version 5.0 dated July 1, 2026 inspected; not state-specific."],["Company-versus-branch NMLS architecture","Answered generically; Idaho-specific rule unresolved","P3-C008","MU1/MU3 distinction verified. Current Idaho branch requirement and branch checklist remain held."],["Current state consent form","Answered as one partial requirement","P3-C009","Revision 01/2026 inspected; checklist placement/submission route remains unresolved."],["Current new-application agent form","Partial","P3-C010","Current DOCX title visible but body unread; older Revision 7/2023 PDF inspected and cannot be presumed identical."],["Current quarterly agent filing channel","Answered operationally","P3-C010","IDOF says Tyler-only beginning March 2026; this does not determine new-application or annual-renewal submission mechanics."],["C033 exact-checklist hold","Still open","P3-C007–C011","No actual Idaho company checklist PDF or renewal row recovered."],["C035 official-current-text hold","Still open, narrowed historically","P3-C001–C006, C012","Official 2022 signature and implementation evidence added; current operative text remains unavailable."],["P1/P2 fee formulas, refunds, timing and examples","Preserved; outside PASS-03","Original P1/P2 claims","No changed rule was established and no rerun was performed."],["Named-provider license status","Excluded and not attempted","—","Requires exact legal name/NMLS ID and actual registry result in a separate authorized task."],["Full contracts, funds, bond, remedies and other Idaho categories","Excluded","—","Remain later passes; no completion or acceptance implied."]]}],"claims":[{"claim_id":"S_ID-P3-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C001","Precise claim":"The official IDOF index supplies current official links to the four affected sections, but a fresh bounded attempt to read § 26-2222 through that link failed; no readable official current text was recovered for the four affected sections.","Sources / pinpoints":"S001; S030 fresh § 26-2222 failure. \nDepartment of Finance","Conditions and limits":"The remaining previously failed routes were not repeatedly retried. Failure does not establish statutory content or absence of amendment."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C002","Precise claim":"Official executive records show H610 became law and was signed March 28, 2022 at 3:10 p.m.","Sources / pinpoints":"S_ID-P3-S001, header and H610 row. \nIdaho.gov\n+1","Conditions and limits":"Does not identify affected sections or supply bill text/effective clause."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C003","Precise claim":"IDOF stated that H610’s described changes would begin July 1, 2022 and identified general incomplete-application, reinstatement, electronic-licensing/NMLS, and December 31 expiration changes.","Sources / pinpoints":"S_ID-P3-S002, printed p. 3. \nDepartment of Finance","Conditions and limits":"Official agency historical explanation, not operative statutory text. “Beginning July 1” is recorded as the agency statement; the enacted effective clause was not read."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C004","Precise claim":"PASS-03 found no official source authenticating the complete current text of § 26-2222(5)(a)–(c) or § 26-2223(8); P2 C004 therefore remains a secondary-text finding with C035 still open.","Sources / pinpoints":"S001, S030; P2 S002/S003 retained.","Conditions and limits":"No no-change or no-amendment conclusion is drawn."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C005","Precise claim":"Official sources corroborate the general 2022 changes underlying C028, but not the advertisement/solicitation updating exception or the three deemed-receipt events.","Sources / pinpoints":"S_ID-P3-S002; P2 S004 for precise wording. \nDepartment of Finance","Conditions and limits":"C028’s precise clauses remain secondary-source findings."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C006","Precise claim":"Official sources corroborate annual December 31 expiration and a reinstatement opportunity, but not C030’s exact $100/$50 amounts, “may” language, 60-day period, licensing finding, complete-application condition, or “unless previously paid” clause.","Sources / pinpoints":"S_ID-P3-S001–S002; P2 S010 for precise wording. \nIdaho.gov\n+1","Conditions and limits":"C030 remains conditionally supported; no automatic reinstatement or current-text certification."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C007","Precise claim":"The public NMLS new-application and annual-renewal compilers are the official mechanisms for selecting and downloading state-specific checklist PDFs.","Sources / pinpoints":"S_ID-P3-S003 and S_ID-P3-S005. \nNationwide Licensing System\n+1","Conditions and limits":"Procedure verified; actual Idaho PDFs not recovered."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C008","Precise claim":"The current universal MU1 form is a company form, while branches are handled through MU3 when required; neither the MU1 nor the NMLS Guidebook substitutes for Idaho’s state-specific company or branch checklist.","Sources / pinpoints":"S_ID-P3-S006–S007. \nNationwide Licensing System\n+2","Conditions and limits":"No current Idaho branch-registration conclusion is made."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C009","Precise claim":"IDOF currently routes collection-agency applications to NMLS and publishes state supplemental documents, including a Revision 01/2026 consent form for applying or renewing.","Sources / pinpoints":"S016; S_ID-P3-S009. \nDepartment of Finance\n+1","Conditions and limits":"These documents do not collectively constitute the complete NMLS company checklist."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C010","Precise claim":"The Revision 7/2023 agent PDF is only partial evidence: it contains new-application and annual-agent requirements, but at least its quarterly filing-channel instructions have been superseded by IDOF’s March 2026 Tyler-only notice.","Sources / pinpoints":"S016; S_ID-P3-S008. \nDepartment of Finance\n+2","Conditions and limits":"The unread current DOCX must not be assumed identical to the older PDF."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C011","Precise claim":"The actual current Idaho company new-application checklist, company renewal checklist, and renewal-chart Idaho row were not read; C033 remains unresolved.","Sources / pinpoints":"S024; S_ID-P3-S003–S005; failed routes F001–F004. \nNationwide Licensing System\n+3","Conditions and limits":"No checklist contents, current branch requirements, or company authority are inferred."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P3-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P3-C012","Precise claim":"C035 is narrowed only by official 2022 signature and agency implementation evidence; official current text and a complete 2026 amendment comparison remain unresolved.","Sources / pinpoints":"S_ID-P3-S001–S002; S001/S030. \nIdaho.gov\n+1","Conditions and limits":"Does not certify the entire Act, current fee schedule, Idaho, A066, or publication readiness."},"coordinator_verification_status":"bounded_historical_or_operational_evidence_supported_current_text_checklist_held","coordinator_review":"[internal evidence reference]"}],"sources":[{"source_id":"S_ID-S001","urls":["https://www.finance.idaho.gov/legal/statutes-and-rules/"],"researcher_record":{"Source ID":"S001 — stable P1 alias","Document identity and literal URL":"IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Actual PASS-03 use":"Freshly read. The official agency index lists the ICAA and links §§ 26-2222, 26-2223, 26-2224, and 26-2231.","Version / legal status":"Official current agency locator.","Limits":"Locator only; it does not reproduce or authenticate the operative section text. \nDepartment of Finance"},"coordinator_verification_status":"official_locator_read_not_operative_text","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-001","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Agency disclaimer/index and four exact links inspected; linked official sections not authenticated."},{"source_id":"S_ID-S030","urls":["https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222"],"researcher_record":{"Source ID":"S030 — stable P1 failed-route record","Document identity and literal URL":"Idaho Legislature § 26-2222 — https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222","Actual PASS-03 use":"One fresh bounded attempt. The click from the official IDOF index failed as a restricted URL.","Version / legal status":"Intended official section route; current content unread.","Limits":"No substantive passage or version was recovered. The other previously failed section routes were supplied/reused and not repeatedly retried. (Invalid URL)"},"coordinator_verification_status":"fresh_official_route_failed_current_text_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-002","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"One actual coordinator click from official index failed (Internal Error); not newly described as a specific server restriction or substantive content."},{"source_id":"S_ID-S030","urls":["https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2022/legislation/H0610.pdf"],"researcher_record":{"Source ID":"S030 — H610 bill-text branch","Document identity and literal URL":"Idaho Legislature H610 PDF — https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2022/legislation/H0610.pdf","Actual PASS-03 use":"Fresh route previously attempted in this pass; failed.","Version / legal status":"Intended official enacted-bill route.","Limits":"Bill text, affected-section list, and effective clause were not read. Failure is not evidence of absence or content."},"coordinator_verification_status":"fresh_official_bill_route_failed_enacted_text_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-003","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Exact official H0610URL inaccessible via current tool. Distinct failed route from section26-2222; stableS030history retained, unique usage alias supplies disambiguation."},{"source_id":"S_ID-P3-S001","urls":["https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S001","Document identity and literal URL":"Idaho Governor, Daily Bill Action—March 31, 2022 — https://gov.idaho.gov/wp-content/uploads/2022/03/daily-bill-action_033122_final.pdf","Actual PASS-03 use":"Freshly read and visually inspected. Header and H610 row read.","Version / legal status":"Official historical executive record. H610 is marked “LAW” and signed March 28, 2022 at 3:10 p.m.","Limits":"Establishes signature/law status, not bill text, section amendments, or effective clause. \nIdaho.gov\n+1"},"coordinator_verification_status":"targeted_official_historical_record_checked","coordinator_usage_id":"S_ID-P3-USAGE-004","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"GovernorPDFheader/actioncolumn and H610row printedp10/parsedline303 read: LAW,03/28/2022,3:10P.M.; not enacted clauses/effective date."},{"source_id":"S_ID-P3-S002","urls":["https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S002","Document identity and literal URL":"IDOF, Compliance Connection—Summer 2022 — https://www.finance.idaho.gov/wp-content/uploads/industry/compliance-connection-newsletter/documents/2022-Consumer-Finance-Bureau-Summer-Newsletter.pdf","Actual PASS-03 use":"Freshly read and visually inspected, printed p. 3.","Version / legal status":"Official historical agency publication. It states changes begin July 1, 2022 and describes H610’s application, reinstatement, NMLS, and expiration changes.","Limits":"Agency explanation, not enacted text; does not quote precise clauses or prove continued 2026 wording. \nDepartment of Finance"},"coordinator_verification_status":"targeted_official_historical_agency_explanation_checked","coordinator_usage_id":"S_ID-P3-USAGE-005","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Newsletterprintedp3completeH610paragraphs read. Agency-statedJuly1/December31/generalprocedures corroborated; no exact fee/currentclause or formal enactment inference."},{"source_id":"S_ID-S002","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/"],"researcher_record":{"Source ID":"S002 — stable P1 alias","Document identity and literal URL":"2025 reproduction of § 26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/","Actual PASS-03 use":"Supplied/reused from P2; not promoted in P3.","Version / legal status":"Secondary 2025 reproduction.","Limits":"Continues to support the exact reproduced § 26-2222(5)(a)–(c) text only within P2’s currentness limitation."},"coordinator_verification_status":"prior_complete_secondary_read_reused_not_fresh_official","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-006","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"P2review/full prior secondary text explicitly reused; no fresh official2026 verification or all-later-amendment certification."},{"source_id":"S_ID-S003","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/"],"researcher_record":{"Source ID":"S003 — stable P1 alias","Document identity and literal URL":"2025 reproduction of § 26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/","Actual PASS-03 use":"Supplied/reused from P2.","Version / legal status":"Secondary 2025 reproduction.","Limits":"No official 2026 verification of subsection (8)."},"coordinator_verification_status":"prior_complete_secondary_read_reused_not_fresh_official","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-007","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"P2review/full prior secondary text explicitly reused; no fresh official2026 verification or all-later-amendment certification."},{"source_id":"S_ID-S004","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/"],"researcher_record":{"Source ID":"S004 — stable P1 alias","Document identity and literal URL":"2025 reproduction of § 26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/","Actual PASS-03 use":"Supplied/reused from P2.","Version / legal status":"Secondary 2025 reproduction.","Limits":"Exact update exception and deemed-receipt events remain secondary-source findings."},"coordinator_verification_status":"prior_complete_secondary_read_reused_not_fresh_official","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-008","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"P2review/full prior secondary text explicitly reused; no fresh official2026 verification or all-later-amendment certification."},{"source_id":"S_ID-S010","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2231/"],"researcher_record":{"Source ID":"S010 — stable P1 alias","Document identity and literal URL":"2025 reproduction of § 26-2231 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2231/","Actual PASS-03 use":"Supplied/reused from P2.","Version / legal status":"Secondary 2025 reproduction.","Limits":"Exact fees, “may” language, 60-day period, and reinstatement conditions remain secondary-source findings."},"coordinator_verification_status":"prior_complete_secondary_read_reused_not_fresh_official","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-009","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"P2review/full prior secondary text explicitly reused; no fresh official2026 verification or all-later-amendment certification."},{"source_id":"S_ID-S016","urls":["https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/"],"researcher_record":{"Source ID":"S016 — stable P1 alias","Document identity and literal URL":"IDOF, Collection Agency Forms — https://www.finance.idaho.gov/consumer-finance-bureau/collection-agencies/collection-agency-forms/","Actual PASS-03 use":"Freshly read. It routes applications to NMLS and lists current state supplemental forms.","Version / legal status":"Official operational page; last-updated marker April 3, 2026.","Limits":"It is not the NMLS company checklist. It also says quarterly agent reporting became Tyler-only beginning with the March 2026 report. \nDepartment of Finance"},"coordinator_verification_status":"official_current_operational_page_read_with_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-010","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Completeoperativeforms-pagebody/April3revisionmarker read. NMLSlink,stateforms and March2026Tyler-onlyquarterlynotice confirmed; not companychecklist/providerapproval."},{"source_id":"S_ID-S024","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx"],"researcher_record":{"Source ID":"S024 — stable P1 alias","Document identity and literal URL":"NMLS, Licensing Checklists, Requirements, and Fees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Checklist-Compiler.aspx","Actual PASS-03 use":"Freshly opened. Page identity recovered, but zero readable checklist lines were returned.","Version / legal status":"Current public NMLS compiler route.","Limits":"No Idaho license row or exported PDF was read. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"fresh_compiler_route_unread_checklist_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_usage_id":"S_ID-P3-USAGE-011","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Actual page title recovered, zero readable lines; no Idaho row/export/PDF read."},{"source_id":"S_ID-P3-S003","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html"],"researcher_record":{"Source ID":"S_ID-P3-S003","Document identity and literal URL":"NMLS, Using the Checklist Compiler — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/company/topics/licComp_newAppCklistCompiler_using.html","Actual PASS-03 use":"Freshly read, lines 2–27.","Version / legal status":"Current NMLS instruction.","Limits":"Establishes the procedure: select filing type/license and export the state checklist PDF. It does not contain Idaho’s checklist requirements. \nNationwide Licensing System"},"coordinator_verification_status":"complete_official_procedure_read_not_state_checklist","coordinator_usage_id":"S_ID-P3-USAGE-012","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Whole shortcompilerinstructions read, especiallytype/license/radio/exportPDF steps; no Idaho checklist."},{"source_id":"S_ID-P3-F001","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf"],"researcher_record":{"Source ID":"S_ID-P3-F001","Document identity and literal URL":"Legacy company PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-License-Company-New-App-Checklist.pdf","Actual PASS-03 use":"Freshly attempted. Redirected to NMLS Resource Center home.","Version / legal status":"Historical/static-path status unknown.","Limits":"No PDF, version, date, or requirement text was recovered. It cannot be treated as the current checklist. \nNationwide Licensing System"},"coordinator_verification_status":"fresh_static_path_redirect_no_checklist","coordinator_usage_id":"S_ID-P3-USAGE-013","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"CompanyPDFpath redirects to currentResourceCenterHome, zero PDFcontent."},{"source_id":"S_ID-P3-F002","urls":["https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf"],"researcher_record":{"Source ID":"S_ID-P3-F002","Document identity and literal URL":"Legacy branch PDF route — https://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/ID-Collection-Agency-Registration-Branch-New-App-Checklist.pdf","Actual PASS-03 use":"Freshly attempted. Redirected to NMLS Resource Center home.","Version / legal status":"Historical/static-path status unknown.","Limits":"Shows only that a separately named branch path existed; it does not establish current Idaho branch licensing requirements. \nNationwide Licensing System"},"coordinator_verification_status":"fresh_static_path_failure_no_checklist","coordinator_usage_id":"S_ID-P3-USAGE-014","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Coordinator tool reports exact branchURL inaccessible; researcherreportedredirect retained as its actual prior observation, not newly reproduced."},{"source_id":"S_ID-P3-S004","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx"],"researcher_record":{"Source ID":"S_ID-P3-S004","Document identity and literal URL":"NMLS, Renewal Checklists, Requirements, and Fees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Annual-Renewal-Checklist-Compiler.aspx","Actual PASS-03 use":"Freshly opened. Zero readable checklist lines returned.","Version / legal status":"Current public NMLS renewal-compiler route.","Limits":"No Idaho company renewal PDF was read. \nNationwide Licensing System"},"coordinator_verification_status":"fresh_compiler_route_unread_checklist_held","coordinator_usage_id":"S_ID-P3-USAGE-015","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Actual page title recovered, zero readable lines; no Idaho row/export/PDF read."},{"source_id":"S_ID-P3-S005","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html"],"researcher_record":{"Source ID":"S_ID-P3-S005","Document identity and literal URL":"NMLS, Using the Annual Renewal Checklist Compiler — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/pubs/ugCompState/licensing/individual/topics/licInd_mu4_renewusingTheAnnualRenewalChecklistCompiler.html","Actual PASS-03 use":"Freshly read, lines 78–92. Despite the URL path, its visible breadcrumb and content address company renewals.","Version / legal status":"Current NMLS procedural instruction.","Limits":"Establishes Company/State/License Type/Renewal Year filters and PDF download procedure, not Idaho’s substantive checklist. \nNationwide Licensing System"},"coordinator_verification_status":"targeted_official_company_renewal_procedure_read","coordinator_usage_id":"S_ID-P3-USAGE-016","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Actualcompanybreadcrumb andcomplete78–92procedure read despite individual URLpath. State/license/year/PDF procedure, not Idaho requirements."},{"source_id":"S_ID-P3-F003","urls":["https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees"],"researcher_record":{"Source ID":"S_ID-P3-F003","Document identity and literal URL":"NMLS/CSBS, Renewal Deadlines, Requirements, and Fees Chart — https://csbsannualrenewalchecklist.azurewebsites.net/renewalsandfees","Actual PASS-03 use":"Freshly followed from NMLS instructions; content could not be opened.","Version / legal status":"Current chart route described by NMLS as an Excel spreadsheet.","Limits":"No workbook, Idaho row, deadline, fee, or agency-specific item was inspected. \nNationwide Licensing System"},"coordinator_verification_status":"fresh_spreadsheet_body_unread_tool_type_limitation","coordinator_usage_id":"S_ID-P3-USAGE-017","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Exact endpoint returned unsupported XLSX MIME. Workbook/Idahorow not read; direct public file download/reader is a future bounded route, not nonexistent data."},{"source_id":"S_ID-P3-S006","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S006","Document identity and literal URL":"NMLS, NMLS Company Form (MU1) — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/Shared%20Documents/NMLS%20Company%20%28MU1%29%20Form.pdf","Actual PASS-03 use":"Freshly read and visually inspected.","Version / legal status":"Version 5.0, July 1, 2026; CSBS/NMLS universal company form.","Limits":"Applies generally to companies and sole proprietors; expressly instructional only. It is not Idaho-specific. Branches use MU3 where a state requires branch licensing. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"targeted_official_generic_form_read_not_state_checklist","coordinator_usage_id":"S_ID-P3-USAGE-018","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"MU1v5.0July1,2026header/p1–2 scope/instructional-only and branch references read. No full9page/currentIdaho checklist claim."},{"source_id":"S_ID-P3-S007","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S007","Document identity and literal URL":"NMLS, Policy Guidebook for Licensees — https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/NMLSPolicyGuideArchives/NMLS%20Policy%20Guidebook%20for%20Licensees%2008152026.pdf","Actual PASS-03 use":"Freshly read and visually inspected, printed pp. 7 and 13.","Version / legal status":"Updated August 15, 2026.","Limits":"Expressly not a substitute for state licensing requirements; directs applicants to state licensing checklists for requirements inside and outside NMLS. \nNationwide Licensing System\n+1"},"coordinator_verification_status":"targeted_official_generic_guide_read_with_limits","coordinator_usage_id":"S_ID-P3-USAGE-019","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Aug15,2026version; completepurpose/disclaimer/formarchitectureprintedp7 andstate-specificoutsideNMLSsectionp13read. Not full215page audit; genericguide cannot replace state requirements."},{"source_id":"S_ID-P3-F004","urls":["https://www.finance.idaho.gov/wp-content/uploads/2026/01/Collection-Agency-New-Application-Notification-Form-and-Instructions.docx"],"researcher_record":{"Source ID":"S_ID-P3-F004","Document identity and literal URL":"IDOF current new-application agent DOCX — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Collection-Agency-New-Application-Notification-Form-and-Instructions.docx","Actual PASS-03 use":"Freshly followed from S016; body could not be opened.","Version / legal status":"Official current-page link; document version not read.","Limits":"Title alone is not evidence of its operative contents. It was not equated with the older PDF below. \nDepartment of Finance"},"coordinator_verification_status":"current_link_title_only_body_unread","coordinator_usage_id":"S_ID-P3-USAGE-020","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Actual currentformspageDOCXlink followed once; Internal Error, no body/version recovered. Not equated to older PDF."},{"source_id":"S_ID-P3-S008","urls":["https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S008","Document identity and literal URL":"IDOF, Annual/Quarterly Notification of Agents/Collectors — https://www.finance.idaho.gov/wp-content/uploads/2026/01/Blank-collection-agency-quarterly-notification-of-agents-form-instructions.pdf","Actual PASS-03 use":"Freshly read and visually inspected, both pages.","Version / legal status":"Form Revision 7/2023; hosted in a 2026 directory.","Limits":"Contains new-application and annual-agent instructions, but its Access Idaho/paper quarterly directions conflict with S016’s March 2026 Tyler-only notice. It is a partial supporting form, not the current complete company application or renewal checklist. \nDepartment of Finance\n+2"},"coordinator_verification_status":"complete_official_two_page_form_read_partial_currentness","coordinator_usage_id":"S_ID-P3-USAGE-021","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Bothparsedpages/Rev7-2023read; new/annualinstructions andoldAccessIdaho/paperquarterlydirections distinguished from currentTyler-onlynotice. Not fullcurrentcompanychecklist or currentall-fees certification."},{"source_id":"S_ID-P3-S009","urls":["https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf"],"researcher_record":{"Source ID":"S_ID-P3-S009","Document identity and literal URL":"IDOF, Consent to Service of Process and Consent to Examination of Accounts — https://www.finance.idaho.gov/wp-content/uploads/2026/01/ICCA-Consent-to-Service-2.pdf","Actual PASS-03 use":"Freshly read and visually inspected.","Version / legal status":"Revision 01/2026; official state form.","Limits":"Applies to an applicant/licensee applying for or renewing an ICAA license and identifies one state supplemental requirement. It is not a complete application or renewal checklist. \nDepartment of Finance\n+1"},"coordinator_verification_status":"complete_official_one_page_supplement_read","coordinator_usage_id":"S_ID-P3-USAGE-022","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":"[internal evidence reference]","coordinator_check_result":"Full40parsedlines/Rev01-2026read:applyingorrenewing,process/accountsconsent/signature/notarialfields. Onepartialstateform, no submissionmechanics/checklist completion."}],"coverage":[{"topic":"Official current § 26-2222(5) text","researcher_record":{"Exact PASS-03 component":"Official current § 26-2222(5) text","Status":"Unresolved","Claims":"P3-C001, C004","Exact remaining evidence / next action":"Obtain readable official Legislature/codifier text and section history; compare only subsection (5)(a)–(c)."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Official current § 26-2223(8) text","researcher_record":{"Exact PASS-03 component":"Official current § 26-2223(8) text","Status":"Unresolved","Claims":"P3-C001, C004","Exact remaining evidence / next action":"Same, limited to subsection (8)."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Official current § 26-2224(1)–(2) text","researcher_record":{"Exact PASS-03 component":"Official current § 26-2224(1)–(2) text","Status":"Partial","Claims":"P3-C002, C003, C005","Exact remaining evidence / next action":"H610 history and broad change are corroborated; exact updating exception, deemed-receipt language, and current amendments require official text."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Official current § 26-2231(1)–(3) text","researcher_record":{"Exact PASS-03 component":"Official current § 26-2231(1)–(3) text","Status":"Partial","Claims":"P3-C002, C003, C006","Exact remaining evidence / next action":"December 31 expiration and reinstatement opportunity are broadly corroborated; exact fees, discretion, 60-day period, and conditions require official text."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"H610 signature/law status","researcher_record":{"Exact PASS-03 component":"H610 signature/law status","Status":"Answered","Claims":"P3-C002","Exact remaining evidence / next action":"Official Governor record read."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"H610 agency-stated rollout date","researcher_record":{"Exact PASS-03 component":"H610 agency-stated rollout date","Status":"Answered with qualification","Claims":"P3-C003","Exact remaining evidence / next action":"IDOF says changes begin July 1, 2022; enacted effective clause remains unread."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"H610 enacted bill text","researcher_record":{"Exact PASS-03 component":"H610 enacted bill text","Status":"Unresolved","Claims":"P3-C002–C006","Exact remaining evidence / next action":"Recover the official H0610 PDF or official session-law chapter through a readable public route."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Complete 2026 amendment comparison","researcher_record":{"Exact PASS-03 component":"Complete 2026 amendment comparison","Status":"Unresolved","Claims":"P3-C004–C006, C012","Exact remaining evidence / next action":"Recover official current section histories and any 2026 sections-affected/session-law materials. No absence claim from search failure."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current Idaho company new-application checklist","researcher_record":{"Exact PASS-03 component":"Current Idaho company new-application checklist","Status":"Unresolved","Claims":"P3-C007, C011","Exact remaining evidence / next action":"Export the actual Idaho company PDF from the NMLS Checklist Compiler; preserve its title, regulator, version/date, inside-NMLS and outside-NMLS requirements."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current Idaho company renewal checklist","researcher_record":{"Exact PASS-03 component":"Current Idaho company renewal checklist","Status":"Unresolved","Claims":"P3-C007, C011","Exact remaining evidence / next action":"Export the actual Company/Idaho/license/year PDF from the Annual Renewal Checklist Compiler."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current Idaho row in NMLS renewal spreadsheet","researcher_record":{"Exact PASS-03 component":"Current Idaho row in NMLS renewal spreadsheet","Status":"Unresolved","Claims":"P3-C011","Exact remaining evidence / next action":"Open the official renewal workbook and read the exact Idaho company row, including deadline, reinstatement, payment route, and supplemental-document fields."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Generic current MU1 company form","researcher_record":{"Exact PASS-03 component":"Generic current MU1 company form","Status":"Answered","Claims":"P3-C008","Exact remaining evidence / next action":"Version 5.0 dated July 1, 2026 inspected; not state-specific."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Company-versus-branch NMLS architecture","researcher_record":{"Exact PASS-03 component":"Company-versus-branch NMLS architecture","Status":"Answered generically; Idaho-specific rule unresolved","Claims":"P3-C008","Exact remaining evidence / next action":"MU1/MU3 distinction verified. Current Idaho branch requirement and branch checklist remain held."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current state consent form","researcher_record":{"Exact PASS-03 component":"Current state consent form","Status":"Answered as one partial requirement","Claims":"P3-C009","Exact remaining evidence / next action":"Revision 01/2026 inspected; checklist placement/submission route remains unresolved."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current new-application agent form","researcher_record":{"Exact PASS-03 component":"Current new-application agent form","Status":"Partial","Claims":"P3-C010","Exact remaining evidence / next action":"Current DOCX title visible but body unread; older Revision 7/2023 PDF inspected and cannot be presumed identical."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Current quarterly agent filing channel","researcher_record":{"Exact PASS-03 component":"Current quarterly agent filing channel","Status":"Answered operationally","Claims":"P3-C010","Exact remaining evidence / next action":"IDOF says Tyler-only beginning March 2026; this does not determine new-application or annual-renewal submission mechanics."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"C033 exact-checklist hold","researcher_record":{"Exact PASS-03 component":"C033 exact-checklist hold","Status":"Still open","Claims":"P3-C007–C011","Exact remaining evidence / next action":"No actual Idaho company checklist PDF or renewal row recovered."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"C035 official-current-text hold","researcher_record":{"Exact PASS-03 component":"C035 official-current-text hold","Status":"Still open, narrowed historically","Claims":"P3-C001–C006, C012","Exact remaining evidence / next action":"Official 2022 signature and implementation evidence added; current operative text remains unavailable."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"P1/P2 fee formulas, refunds, timing and examples","researcher_record":{"Exact PASS-03 component":"P1/P2 fee formulas, refunds, timing and examples","Status":"Preserved; outside PASS-03","Claims":"Original P1/P2 claims","Exact remaining evidence / next action":"No changed rule was established and no rerun was performed."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Named-provider license status","researcher_record":{"Exact PASS-03 component":"Named-provider license status","Status":"Excluded and not attempted","Claims":"—","Exact remaining evidence / next action":"Requires exact legal name/NMLS ID and actual registry result in a separate authorized task."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Full contracts, funds, bond, remedies and other Idaho categories","researcher_record":{"Exact PASS-03 component":"Full contracts, funds, bond, remedies and other Idaho categories","Status":"Excluded","Claims":"—","Exact remaining evidence / next action":"Remain later passes; no completion or acceptance implied."},"coordinator_acceptance":"reviewed_bounded_record_component_not_accepted; C033_C035_and_exact_remaining_evidence_preserved","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}