{"meta":{"key":"s_id--pass-05","task":"S_ID","title":"SID Idaho generic provider agreements, disclosures, cancellation, and termination","parent_title":"Idaho debt and debt relief law","edition":"pass-05","path":"/research/s_id--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":14,"claims":40,"sources":26,"review_status":"reviewed_with_source_currency_and_application_holds","review_complete":true,"sha256":"43ec073da046c9c6b1612350b1a0d4408e778964de64f2a04fafca7288bf9c89","headings":["Principal findings","3.1 Necessary actor and relationship boundaries","3.2 Collection agency–creditor-client contracts","3.3 Separate debtor–collection-agency incidental-charge agreement","3.4 Regulatory contract filing is not consumer delivery or approval","3.5 Debtor cancellation under § 26-2229(3)(b)","4.1 Scope, cumulative operation, and exclusions","4.2 Initial-offer and off-premises disclosures","4.3 Door-to-door cancellation branch","Predicate and exclusions","Required writings, copies, and notices","Cancellation and consequences","5.1 Telephone Solicitation Act","5.2 Internet automatic subscriptions","5.3 Narrow negative-option and unordered-service rules","5.4 Financed agreements: expressly held branch","6.1 CROA: only if its own definition and exclusions are satisfied","Precontract disclosure and acknowledgment","Contract and performance requirements","Copies, cancellation notice, and legal consequences","6.2 TSR: disclosures before consent to pay, not a universal enrollment-form statute","7.1 Idaho statutes and official rule materials","7.2 Federal publication and generic guidance sources","Actually read as legal bodies","Guidance and discovery, not controlling substitutes","Failed routes"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_ID/pass-05","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["origination"],"subject":["agreements-disclosures"]},"scope":"Distinct reviewedremaining genericIdahoagreement/disclosure/cancellation legalcomponent; no actualcontracts/providerqueries","pending_corrections":0},"markdown":"# S_ID PASS-05 — Idaho generic provider agreements, disclosures, cancellation, and termination\n\n**Fresh source-access date:** **October 28, 2026, America/Los_Angeles.**\n\n**Disposition:** This pass establishes additional, conditional agreement and cancellation findings. It does **not** authenticate the current official text of the Idaho Collection Agency Act, complete C033 or C035, approve a provider or agreement, or complete Idaho, A066, any parent component, or publication review.\n\nThe original P1–P4 reports, source identities, formulas, examples, and recorded access limitations remain unchanged. The supplied coordinator-review descriptions are treated as supplied context—not as files accessed or reviews performed in this pass.\n\n## Principal findings\n\n**There is no single agreement or cancellation rule covering every Idaho debt-related service.** The relevant relationships must be separated:\n\n- A collection agency’s agreement **with its creditor client**.\n- A collection agency’s separate agreement **with a debtor concerning incidental charges**.\n- A debtor’s agreement with a debt counselor or settlement service.\n- A credit-repair agreement, potentially subject to federal CROA.\n- A service agreement sold through a particular channel, potentially subject to Idaho solicitation, door-to-door, telephone-sales, or automatic-renewal provisions.\n\nThe reproduced § 26-2229 writing requirement concerns the first relationship. It cannot, without another authority, be transferred to every debtor-side debt-relief agreement. A different reproduced provision, § 26-2229A(4)(e), expressly requires a signed, director-approved form for its particular debtor–collection-agency incidental-charge branch. Neither provision creates a generic approved debt-settlement agreement. **[C005–C009]** [Justia Law+1](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\nA readable **official Idaho consumer-protection rule body** was recovered: IDAPA 04.02.01. It contains material-offer disclosures, off-premises solicitation requirements, and a conditional door-to-door cancellation regime. Its recovered adoption record identifies a March 31, 2022 effective date. This is meaningful primary-source recovery, but it does not authenticate the blocked ICAA statute bodies or establish an exhaustive absence of later amendments. **[C001–C002, C013–C019]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\nThe prior unresolved cancellation-return deadline is therefore **narrowed, not universally resolved**. Certain separately qualifying sales have express return deadlines. The reproduced § 26-2229(3)(b) itself still does not specify a cancellation-notice method or a refund-payment deadline, and a federal dedicated-account return rule remains a federal, coverage-dependent obligation—not an Idaho deadline. **[C010–C012, C018, C022, C037]** [Justia Law+3](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\n# 1. Source status and interpretive boundaries\n\nThree evidence levels are used throughout:\n\n| Label | Meaning in this pass |\n| --- | --- |\n| **Official body read** | The operative legal text was actually readable from an official public publisher. Its stated publication currency and historical limits are preserved. |\n| **Provisional statutory reading** | The complete relevant wording was read in Justia’s **2025 Idaho Code reproduction**. It is secondary, expressly subject to a currentness disclaimer, and not authenticated as official current 2026 law. |\n| **Held dependency** | A material incorporated definition, enactment chain, application fact, or other legal dependency was not sufficiently read or authenticated. No affirmative inclusion, exemption, permission, or outcome follows. |\n\nThe official IDOF index was readable. Bounded attempts to the linked ICAA section bodies did not recover them. The statutory interpretations below therefore retain the existing C035 limitation. **[C001; S001–S008]** [Department of Finance](https://www.finance.idaho.gov/legal/statutes-and-rules/)\n\nFor IDAPA 04.02.01, the current official PDF was read together with the relevant 2022 adoption record. The official current cumulative-index route failed. Accordingly, the finding is that the **currently published official rule body and the identified 2022 effective record were recovered**—not that every subsequent rulemaking, judicial challenge, or statutory amendment was exhaustively excluded. **[C002; S009–S011]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n# 2. Agreement-category and conditional-branch matrix\n\nBranch identifiers below are used in the coverage table.\n\n| Branch | Actor, relationship, and predicate | Agreement/disclosure obligation established | Cancellation/termination consequence established | Boundary |\n| --- | --- | --- | --- | --- |\n| **B01** | Collection agency licensed or required to be licensed ↔ creditor client | Contract must be written; specified contract provisions are prohibited. | No general cooling-off period established by § 26-2229(1)–(2). | Not a debtor-side settlement contract rule. |\n| **B02** | Collection agency ↔ debtor; incidental charges rely on § 26-2229A(4)(e) | Written form agreement signed by debtor and licensee; prior director approval of terms and amounts. | No general cancellation period supplied by this clause. | One alternative charge-authority branch, not universal form approval. |\n| **B03** | Noncustodial debt/credit counselor; reproduced § 26-2229(3)(b) applies | That paragraph does not supply a general consumer-contract contents, signature, copy, or delivery code. | Debtor cancellation before successful completion triggers the previously reviewed, association-based fee-refund provision. | Notice method, allocation detail, and payment deadline remain unexpressed in that paragraph. |\n| **B04** | Custodial counseling/settlement, or credit repair outside B03 | No transfer of B03’s cancellation formula or B01’s writing rule without authority. | Other applicable law or an actual agreement may matter; not decided here. | Unspent customer money is not automatically the same object as collected provider fees. |\n| **B05** | Covered Idaho trade or commerce; no applicable exclusion | Material conditions must be disclosed clearly and conspicuously at the initial offer; later disclosure does not itself cure omission. | No universal cancellation period created by those general rules. | Rule and statutory exceptions remain material. |\n| **B06** | In-person or telephone sale solicitation away from appropriate trade premises | Initial identification and sales-purpose disclosures; additional in-person identification; restrictions on misleading documents and representations. | No general cooling-off period merely from Rule 160. | Must distinguish solicitation of a service from collection of an existing debt. |\n| **B07** | A qualifying door-to-door sale under Rule 020.22, with no applicable exclusion | Completed receipt/contract copy, prescribed notices, duplicate detachable cancellation forms, oral notice, language and type requirements. | Cancellation period and a seller-receipt-triggered return obligation. | Consumer-purpose, solicitation, location, price, and exclusion predicates matter. |\n| **B08** | Telephone Solicitation Act transaction not exempt from § 48-1004 | Specified oral disclosures and, subject to its full-refund exception, written confirmation and cancellation notice. | Receipt-of-confirmation cancellation clock; receipt-of-notice refund clock. | Actual revocable governmental licensing can exempt the solicitor from § 48-1004. |\n| **B09** | Internet-entered automatic subscription renewal within § 48-603G | Renewal and cancellation-method disclosures; online cancellation mechanism; additional extended-renewal notice. | Cancellation mechanism, but no general prorated-refund deadline stated in that section. | Application date, renewal-term definition, exclusions, and express private-action limitation apply. |\n| **B10** | Narrow restructuring-of-existing-services branch under Rule 020.49.d | Rule 020.34 notice requirements. | Specific cancellation opportunity and treatment of charges. | Not a universal rule for every subscription or debt program. |\n| **B11** | Financed consumer-credit or regulated home-solicitation-credit sale | Potential additional notice/cancellation regimes identified. | Dependent analysis held. | Underlying credit definitions and complete cross-referenced regimes not completed. |\n| **B12** | A covered federal credit-repair organization and consumer | CROA precontract disclosure, written dated consumer-signed contract, contents, copies, and cancellation forms. | Federal cancellation right; nonwaiver and noncompliant-contract consequences. | Federal definition and exclusions must independently be satisfied. |\n| **B13** | Covered TSR telemarketing transaction involving debt relief | Material disclosures before consent to pay; additional debt-relief disclosures. | Conditional dedicated-account service-withdrawal and return rights. | Not a universal written enrollment-contract requirement or state return deadline. |\n\nSources: **S003–S020; C003–C038.** [Justia Law+7](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\n# 3. Idaho ICAA agreement provisions: provisional statutory findings\n\n## 3.1 Necessary actor and relationship boundaries\n\nThe complete reproduced definitions and activity provisions were read before applying the contracts section.\n\nA **creditor client** is the creditor-side person transferring or assigning an account for collection. The collection-agency and debt-counselor definitions point to different activity branches in § 26-2223. The debt-counselor branch includes receiving debtor money for creditor payment, counseling or managing debts, and contracting to adjust, compromise, or discharge indebtedness. The credit-repair branch is separate. **[C003; S003–S004]** [Justia Law+1](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/)\n\nThe P2 credit-repair exclusions remain intact: the described consumer-reporting agencies and defined affiliates/subsidiaries; persons with the specified continuing contractual reporting arrangement for resale or monitoring; and persons, only to the stated extent, providing or facilitating access to those entities’ products or services. The incorporated federal CRA definition and any director rule defining the relevant affiliates/subsidiaries were not completed here. No actual exclusion is decided. **[C003]** [Justia Law](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/)\n\nThe complete reproduced § 26-2239 exemption list was read. Its attorney, lender, institutional, escrow, mortgage, governmental, court-appointed, and other exclusions remain activity- and capacity-specific. The incorporated external definitions were not all independently authenticated. Neither a nonprofit description nor a claimed attorney, CRA, or institutional relationship establishes an exemption. **[C004; S007]** [Justia Law](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2239/)\n\n## 3.2 Collection agency–creditor-client contracts\n\nUnder reproduced § 26-2229(1), contracts between a collection agency licensed or required to be licensed and its creditor clients must be **in writing**. The clause does not itself prescribe both parties’ signatures, a debtor copy, a delivery method, or a consumer cooling-off period. **[C005; S005 §(1)]** [law.justia.com](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\nSubsection (2) prohibits specified creditor-client contract terms, including retention of collections other than authorized regular collection compensation and a penalty for an unintentional creditor-client error concerning the debtor’s correct name or address. Its commission restriction has written-agreement and statutory cross-reference qualifications. Those qualifications were read, but the dishonored-check and small-claims cross-reference regimes were not independently completed. No new fee calculation is made. **[C006; S005 §(2)(a)–(c)]** [law.justia.com](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\n**Dependent effect:** The existence of this writing requirement does not establish that a debtor’s settlement-service agreement must contain the same terms, uses the same parties, or receives the same statutory treatment.\n\n## 3.3 Separate debtor–collection-agency incidental-charge agreement\n\nReproduced § 26-2229A(4) lists alternative bases for collecting interest or charges incidental to a principal obligation. Under its paragraph (e), the relevant charges must be provided for in a written form agreement:\n\n- Signed by **both the debtor and the licensee**.\n- Having **prior director approval** as to the agreement’s terms and the amounts of fees, interest, charges, and expenses.\n\nThis is a materially different agreement from B01. It does not mean every debt-relief contract requires or possesses director approval. Nor does it erase the other alternatives and qualifications in subsection (4). **[C007; S006 §(4)(a)–(f)]** [Justia Law](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/)\n\nReproduced subsection (3) also requires disclosure on every collection contact when the collection-agency licensee and creditor client have the specified managerial or financial interest in one another. That is a collection-contact disclosure, not a generic debt-settlement contract clause. **[C008; S006 §(3)]** [Justia Law](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/)\n\n## 3.4 Regulatory contract filing is not consumer delivery or approval\n\nReproduced § 26-2224(1)(f) requires application materials that include contracts and forms. Subsection (1)(l) addresses updating, with the previously reviewed advertisements-and-solicitations exception.\n\nSubmitting a form to the regulator does not, by that fact alone, establish that a consumer received it, signed it, consented to it, or that it received substantive approval. The express prior-approval requirement in § 26-2229A(4)(e) should not be confused with general application filing. **[C009; S008 §(1)(f), (l); S006 §(4)(e)]** [Justia Law+1](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/)\n\n## 3.5 Debtor cancellation under § 26-2229(3)(b)\n\nThe existing C017 finding is retained without a numerical rerun. In the reproduced noncustodial debt/credit-counselor branch, when the debtor cancels before successful completion, the provision requires refund of **50% of collected fees associated with debt remaining unsettled at termination**. **[C010; S005 §(3)(b)]** [law.justia.com](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\nThe following distinctions remain essential:\n\n| Issue | What the paragraph establishes | What remains unestablished |\n| --- | --- | --- |\n| Actor/model | The stated noncustodial debt/credit-counselor branch | Automatic application to custodial counseling or standalone credit repair |\n| Trigger | Debtor cancellation before successful completion | Automatic equivalence of provider termination, default, abandonment, or completed service |\n| Money object | Collected provider fees associated with unsettled debt | Automatic inclusion of all unspent customer account money |\n| Allocation | Fees must be associated with unsettled debt | A prescribed association formula, retrospective reallocation power, or contract-allocation safe harbor |\n| Notice | Cancellation is the operative event | Named recipient, exclusive communication method, dispatch-versus-receipt rule, prescribed form, or required signature |\n| Payment deadline | A refund obligation upon the stated condition | A specified number of days for payment |\n| Contract discretion | Actual terms may be relevant evidence | Permission to waive, narrow, or defeat the statutory obligation |\n\n**[C010–C012; S005 §(3)(b).]** These are bounded readings of this paragraph, not a universal finding that no other deadline, right, or legal consequence exists. [law.justia.com](https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/)\n\n# 4. Official Idaho consumer-protection rules\n\n## 4.1 Scope, cumulative operation, and exclusions\n\nIDAPA 04.02.01 states that its rules are cumulative and nonexclusive. It preserves other rights and uses the Consumer Protection Act’s exceptions. Its definition of regulator-permitted actions concerns specifically authorized conduct, not merely the fact that a business has a license. The chapter also has an enforcement-referral provision for certain regulated conduct; that provision is not treated here as a blanket substantive exemption. **[C002, C013; S009 Rules 004–009, 020.02; S012–S013]** [Proddfmmainsa+3](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\nThe chapter’s definitions include services and debt-collection activity within the relevant trade-or-commerce framework. Nevertheless, each specialized rule still requires its own predicate. A rule governing the sale of a service is not automatically applicable to every attempt to collect an existing debt.\n\nThe statutory exceptions incorporated through § 48-605 were read only in the secondary 2025 reproduction. That dependency remains provisional even though the rule body itself is official. **[C013]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n## 4.2 Initial-offer and off-premises disclosures\n\nRules 030, 032, 040, and 041 prohibit material misleading representations or omissions, including material conditions disclosed too late. Rule 040 requires material contingencies, conditions, and qualifications to be clearly and conspicuously disclosed at the **initial offer**. Later disclosure, even before consummation, is not itself a defense to that rule. **[C013; S009 printed pp. 12–13, PDF indices 11–12]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\nFor covered in-person or telephone solicitations away from appropriate trade premises, Rule 160 requires the initial contact—before substantive questions or statements beyond a greeting—to reveal the sales purpose, solicitor identity, represented trade name, and type of goods or services. In-person solicitation also requires displayed identification. Rules 161–163 address deceptive identities, misleading documents, leaving when requested, and business-name/address disclosures in the described materials. **[C014; S009 printed pp. 23–24, indices 22–23]** [Proddfmmainsa](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\nThese are disclosure obligations. They do not themselves create an across-the-board right to cancel every telephone or off-premises service contract.\n\n## 4.3 Door-to-door cancellation branch\n\n### Predicate and exclusions\n\nRule 020.22 covers the defined personal, family, or household sale of goods or services at the stated price threshold, personally solicited—including invited solicitation—with agreement away from appropriate trade premises.\n\nThe complete definition contains exclusions for prior negotiations at the seller’s fixed retail premises; a consumer-initiated bona fide immediate personal emergency with the specified separate handwritten, dated, signed statement; qualifying transactions conducted entirely by mail or telephone without other prior contact; specified requested repair or maintenance work, but not unrelated additional sales; and the identified real-property, insurance, and registered securities/commodities transactions. These are not interchangeable exceptions. **[C015; S009 printed pp. 8–9, indices 7–8]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n### Required writings, copies, and notices\n\nWhen the branch applies, Rule 170 requires:\n\n| Requirement | Exact legal object and timing |\n| --- | --- |\n| Completed receipt or contract copy | Furnished at execution; transaction date, seller name and street address; same language principally used in the oral presentation |\n| Main cancellation statement | Prescribed statement in 10-point type beside the consumer-signature space, or on the receipt’s front |\n| Separate cancellation form | Completed **in duplicate**, attached and easily detachable, prescribed heading and bold 10-point text, same language as the contract |\n| Completed fields | Seller identification/address, transaction date, and cancellation date no earlier than the prescribed third-business-day limit |\n| Oral notice | Given when the consumer signs or purchases |\n| Waiver restriction | No confession of judgment or contractual waiver of the protected rights |\n\n**[C016–C017; S009 Rule 170.01–.06, printed pp. 25–26, indices 24–25.]** The separate emergency exclusion in the definition is not converted into permission to insert a routine waiver in a covered contract. [Proddfmmainsa](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n### Cancellation and consequences\n\nThe prescribed right extends to midnight of the third business day after the transaction date. The notice permits a signed, dated cancellation form or other written notice to be mailed or delivered to the seller’s business address, and also specifies telegram transmission. No determination is made about electronic substitution under E-SIGN, Idaho UETA, or another regime. **[C017]**\n\nUpon receipt of a valid cancellation notice, Rule 170.07 requires the seller, within ten business days, to refund payments, return applicable trade-in property, cancel and return the negotiable instrument, and take the necessary action to terminate the transaction’s security interest. These are source-stated consequences; the rule does not state an earned-service-fee deduction from that refund. **[C018]** [Proddfmmainsa](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\nThe goods-return, pickup, abandonment, and transfer restrictions in the remainder of Rule 170 are retained as **goods or instrument branches**, not turned into rules about returning performed counseling services. **[C019]**\n\n# 5. Other Idaho cancellation channels: provisional statutory readings\n\n## 5.1 Telephone Solicitation Act\n\nThe complete relevant definitions, § 48-1004, and § 48-1005 were read in the 2025 reproduction.\n\nThe telephone-sales definition is not simply “any conversation by telephone.” It includes specified solicitation activity and Idaho nexus. Section 48-1005 then exempts listed solicitors from **§ 48-1004**, not necessarily from every provision of the Act. **[C020; S014–S016]** [Justia Law+1](https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1002/)\n\nThe particularly material exemption is a business actually licensed by a federal or Idaho governmental agency—other than the Secretary of State—having authority to revoke that license. A business merely required to be licensed is not shown by that wording to possess the exemption. No actual license, exemption, or transaction is adjudicated here. The person asserting an exemption bears the statutory burden in enforcement proceedings. **[C020]** [Justia Law](https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1005/)\n\nIf § 48-1004 applies:\n\n- Specified oral disclosures are required.\n- Unless an unqualified cancellation/return and full-refund right is provided, the solicitor must send the prescribed written confirmation.\n- The confirmation includes the purchase date, complete business address and registration information, itemization and prices, total obligation, and the required cancellation notice.\n- The notice uses bold 10-point type.\n- Cancellation runs from **receipt of the written confirmation**, not automatically from the call or contract date.\n- The stated return obligation runs from the solicitor’s **receipt of cancellation**.\n\nThe complete notice allows mailing or delivery of a signed and dated notice or other written cancellation to the identified solicitor. No specific deadline for sending the initial confirmation was located in the paragraphs read. **[C021–C022; S014 §(14); S015 §(1)–(2)]** [Justia Law+1](https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1004/)\n\n## 5.2 Internet automatic subscriptions\n\nReproduced § 48-603G applies to the defined internet-entered automatic renewal agreements for Idaho consumers. An extended renewal concerns the specified **renewal term of twelve months or more**. It should not be rewritten as a test solely of the original contract term. **[C023; S017 §(1)]** [Justia Law](https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/)\n\nThe section requires clear renewal and cancellation-method disclosures and an online cancellation mechanism that is cost-effective, timely, and easy to use. The general sentence about an additional cancellation fee uses **“should,”** while the extended-renewal notice provision requires at least one no-cost cancellation method using **“shall.”** Those words are not silently substituted. **[C024–C025]** [Justia Law](https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/)\n\nThe extended-renewal notice window is tied to the **delivery or provision of goods or services**. It is not paraphrased as an unqualified “before contract expiration” rule. The section also contains utility, regulated-communications/energy, and insurance exclusions. Their external regulatory definitions were not fully investigated, and no actual exemption is decided.\n\nThe section expressly states that it does not create a private right of action or furnish the basis for one under another provision. It also has a good-faith civil-penalty qualification. Those limitations are specific to this section; they are not conclusions about all Idaho contract or consumer-protection remedies. **[C026; S017 §(5)–(8)]** [Justia Law](https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/)\n\n## 5.3 Narrow negative-option and unordered-service rules\n\nIDAPA Rule 020.34’s notice provisions are material through the specific restructuring-of-existing-services exception in Rule 020.49.d. They should not be applied to every recurring debt-relief service merely because it has repeated charges.\n\nFor that branch, the rule requires advance notice, cancellation methods, a first-bill cancellation opportunity, and specified treatment of charges. Rule 220 separately addresses unordered goods or services and attempts to force payment or consent. The separate federal negative-option-plan incorporation in Rule 020.49.e was not completed; no conclusion relies on that exception being satisfied. **[C027–C028; S009 printed pp. 10–12 and 28, indices 9–11 and 27]** [Proddfmmainsa+3](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n## 5.4 Financed agreements: expressly held branch\n\nRule 210 addresses specified consumer-credit-contract and purchase-money-loan situations. The reproduced § 28-43-401 separately defines a regulated home-solicitation-credit-sale category with exclusions.\n\nThose provisions do not establish that an ordinary provider-service agreement is a credit sale. The complete incorporated credit definitions and the downstream credit-sale cancellation provisions were not read. **No financed-sale cancellation period, holder liability, or financing outcome is concluded here.** **[C029; S009 Rule 210; S018]** [Proddfmmainsa+1](https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf)\n\n# 6. Narrow federal overlap\n\n## 6.1 CROA: only if its own definition and exclusions are satisfied\n\nThe official OLRC text read contains laws through **Public Law 119-121, October 9, 2026**. That is the publication’s stated currency, not an October 28 comprehensive amendment audit.\n\nCROA’s definition requires the relevant consumer, interstate/mail, compensation, and represented credit-improvement or advice elements. Its nonprofit, own-creditor, and institutional exclusions remain separate from Idaho exclusions. Incorporated institutional definitions were not all completed, and no actual organization or transaction is classified. **[C030; S019 §1679a]** [US Code](https://uscode.house.gov/us/usc/119-121/t15/s1679a/)\n\n### Precontract disclosure and acknowledgment\n\nSection 1679c requires the prescribed credit-file-rights statement **before any contract or agreement**. It must be separate from the contract and other written materials. The organization must obtain the consumer’s signed acknowledgment of receipt and retain it for the specified period.\n\nThe mandated statement was read in full. Its references to other credit-reporting rights are recorded as content Congress prescribed; this pass does not independently revalidate every underlying FCRA rule. **[C031]** [US Code](https://uscode.house.gov/us/usc/119-121/t15/s1679c/)\n\n### Contract and performance requirements\n\nSection 1679d requires a written, dated contract signed by the consumer and prohibits beginning services during its stated waiting period. The contract must contain:\n\n- Payment terms and the total payments to the organization **or any other person**.\n- A detailed service description, performance guarantees, and estimated completion date or duration, including relevant services performed by another person.\n- Organization name and principal business address.\n- The prescribed conspicuous, bold cancellation statement immediately beside the consumer-signature space.\n\nThis section specifies the consumer’s signature; it is not rewritten to require a provider countersignature absent another authority. **[C032]** [US Code](https://uscode.house.gov/us/usc/119-121/t15/s1679d/)\n\n### Copies, cancellation notice, and legal consequences\n\nSection 1679e requires a duplicate cancellation form, the completed contract and disclosure statement, and copies of other documents the organization requires the consumer to sign, furnished at the specified signing event.\n\nThe operative cancellation provision uses **business days** and includes execution or the point when the agreement otherwise would become enforceable. The prescribed form in subsection (b) uses the shorter wording **“3rd day.”** Both were read; no textual correction or unresearched counting resolution is asserted. The contract’s performance waiting period and the cancellation period also have different statutory formulations, so they are not collapsed into one calculated date. **[C033]** [US Code+1](https://uscode.house.gov/us/usc/119-121/t15/s1679e/)\n\nSection 1679f makes specified waivers ineffective, prohibits obtaining them, and addresses enforceability of noncompliant service contracts. These are generic statutory consequences, not a conclusion about an actual contract. The read agreement/cancellation paragraphs do not specify a number of days for returning money after CROA cancellation. That bounded absence is not a finding that no refund duty or other remedy exists. **[C034]** [US Code+1](https://uscode.house.gov/us/usc/119-121/t15/s1679f/)\n\n## 6.2 TSR: disclosures before consent to pay, not a universal enrollment-form statute\n\nThe eCFR provisions were freshly read with their material definitions and exemptions. The retrieved edition was current through **October 26, 2026**; Title 16’s displayed last-amendment date was October 19, 2026. A title-wide amendment date is not the effective date of every debt-relief paragraph.\n\nCoverage requires the actual telemarketing and debt-relief predicates and applicable exemption analysis. No actual sales channel, customer purpose, creditor type, or provider is classified. **[C035; S020 §§310.2, 310.6]** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2)\n\nSection 310.3 requires material disclosures before the customer consents to pay, including applicable total cost, material restrictions, refund/cancellation policy information, and negative-option terms. Its debt-relief paragraph additionally addresses expected time, creditor-specific offer timing, required accumulation, specified nonpayment risks where relevant, and dedicated-account rights where such an account is requested.\n\nA disclosure that a policy is nonrefundable does not authorize violation of another cancellation law. These paragraphs also do not independently require every debt-relief enrollment agreement to be written and signed. **[C036; S020 §310.3(a)(1)(i)–(iii), (vii)–(viii)]** [eCFR+1](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3)\n\nThe reviewed dedicated-account paragraph permits withdrawal from the **debt-relief service**, without penalty, and requires return of the covered account funds within seven business days of the request, less only fees earned under the referenced federal conditions. The complete independence, ownership, insured-institution, and referral-compensation conditions were read, but no account model is reapproved here. **[C037]** [eCFR](https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4)\n\nCROA’s state-law preservation provision and the Idaho rules’ cumulative-operation language prevent a simplistic substitution of one regime for another. This pass does not adjudicate preemption or resolve every overlap for a hypothetical agreement. **[C038]** [US Code+1](https://uscode.house.gov/us/usc/119-121/t15/s1679j/)\n\n# 7. Source and usage register\n\n**All fresh reads below occurred October 28, 2026, Pacific time.** Existing aliases identify the same underlying documents; a fresh read or different delivery URL is not counted as independent corroboration.\n\n## 7.1 Idaho statutes and official rule materials\n\n| P5 source ID | Issuer, title, literal URL | Actual read and pinpoint | Edition, source credit, status, and limitation |\n| --- | --- | --- | --- |\n| **S_ID-P5-S001** | IDOF, *Statutes and Rules* — https://www.finance.idaho.gov/legal/statutes-and-rules/ | Selected guidance-status paragraph and ICAA section links | Official locator, not operative section text. Same underlying document as P1 S001. |\n| **S_ID-P5-S002** | Idaho Legislature section routes: https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229 https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222 https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2223 https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2239 https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229A | One bounded attempt per relevant route; bodies not read | Restricted/fetch failure for the listed routes; §2223 reported robots denial. Usage/failure record, not an authenticated statutory source. Earlier S030 observations remain separate. |\n| **S_ID-P5-S003** | Justia, 2025 reproduction, §26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/ | Complete definitions and displayed history; materially relied on (3)–(5), (7), (9), (13) | Secondary 2025. Displayed last amendment: 2008 ch.347 §1 p.938. No official current amendment chain. Same document as P1 S002. |\n| **S_ID-P5-S004** | Justia, 2025 reproduction, §26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/ | Complete activity branches and history; especially (7)–(8) | Secondary 2025. Displayed last amendment: 2008 ch.347 §2 p.940. Same document as P1 S003. |\n| **S_ID-P5-S005** | Justia, *Contracts*, §26-2229 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/ | **Complete section**, including (1), (2)(a)–(c), (3)(a)–(b), and history | Secondary 2025. Added 1970 ch.53 §8 p.118; displayed amendments through 2008 ch.347 §9 p.945. Exact effective/application chain unread. Same document as **P1 S008**. |\n| **S_ID-P5-S006** | Justia, §26-2229A — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/ | Complete nine subsections and history; relied on (1), (3), complete (4), (9) | Secondary 2025. Added 1973 ch.263 §2 p.538; displayed latest amendment 2022 ch.286 §4 p.908. Enacted body/effective clause not recovered. Same document as P1 S009. |\n| **S_ID-P5-S007** | Justia, *Exemptions*, §26-2239 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2239/ | Complete (1)–(10) and history | Secondary 2025. Displayed latest amendment 2020 ch.100 §1 p.260. Incorporated definitions not all completed. Same document as P1 S013. |\n| **S_ID-P5-S008** | Justia, *License Application*, §26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/ | Body returned; reliance limited to (1)(f), (1)(l), and history | Secondary 2025. Displayed latest amendment 2022 ch.286 §2 p.906. Filing-versus-delivery distinction only; no application rerun. Same document as P1 S004. |\n| **S_ID-P5-S009** | Idaho AG/OARC, **IDAPA 04.02.01, Idaho Rules of Consumer Protection** — https://adminrules.idaho.gov/rules/current/04/040201.pdf Official delivery copy: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf | Complete relevant clauses in Rules 000–009; necessary definitions in 020; 030–033, 040–041; 160–170; 210 and220. Printed pp.6–13,23–26,28; PDF indices5–12,22–25,27. These pages were visually inspected. | Official current-published body; relevant clauses carry **3-31-22**. Two URLs, one document. Full33-page chapter and every later amendment were not audited. |\n| **S_ID-P5-S010** | OARC, *Idaho Administrative Bulletin*, Vol.22-5, May4,2022 — https://adminrules.idaho.gov/bulletin/2022/05.pdf | Selected official adoption/history text, especially printed p.111, PDF index110, docket04-0000-2100 | Parsed prose records codification of04.02.01 effective3-31-22. The printed p.20 table was located but screenshot failed; no table-only finding is required. Not all140pages read. |\n| **S_ID-P5-S011** | OARC, *2022 Senate State Affairs Pending Rules Review Book* — https://adminrules.idaho.gov/legislative_books/2022/pending/22S_StateAffs.pdf | Selected notice, printed p.5, PDF index4 | Notice dated12-22-2021: adopted as proposed, pending2022legislative review; references proposed publication10-20-2021, Vol.21-10SE pp.471–556. Historical pending status, not itself final effectiveness. Parsed text read; screenshot failed. |\n| **S_ID-P5-S012** | Justia, 2025 §48-602 definitions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/ | Complete definitions and displayed history; reliance on trade/services and specifically permitted conduct | Secondary2025; displayed latest amendment1993ch.102§1p.256. Official current body not recovered. |\n| **S_ID-P5-S013** | Justia, 2025 §48-605 exceptions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/ | Complete exceptions and history | Secondary2025; displayed addition1971ch.181§6p.847. Incorporated insurance/regulatory dependencies not independently resolved. |\n| **S_ID-P5-S014** | Justia, 2025 §48-1002 definitions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1002/ | Complete definitions; particularly business day, solicitation/nexus, and written confirmation | Secondary2025; added1992ch.27§1p.83; displayed latest amendment2004ch.102§1p.358. §73-108 holiday incorporation unread. |\n| **S_ID-P5-S015** | Justia, 2025 §48-1004 — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1004/ | Complete (1)–(2), including prescribed notice and goods-return paragraph | Secondary2025; displayed source1992ch.27§1p.85. No authenticated current official body/effective chain. |\n| **S_ID-P5-S016** | Justia, 2025 §48-1005 exemptions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1005/ | Complete (1)(a)–(i), (2), and history | Secondary2025; latest displayed amendment1993ch.156§1p.400. Several incorporated securities/FTC definitions remain unread; no exemption application. |\n| **S_ID-P5-S017** | Justia, 2025 §48-603G — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/ | Complete (1)–(8), including remedy limitation and exclusions | Added2022ch.193§1p.634; amended2023ch.106§1p.311, as displayed. Agreements entered/renewed on or after1-1-2023 is an **application provision**, not proof of amendment effective date. |\n| **S_ID-P5-S018** | Justia, 2025 §28-43-401 — https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/ | Complete category definition and exclusions only | Secondary2025; displayed source1983ch.119§3p.286. Downstream §§402–405 and full credit definitions not read; financing branch held. |\n\n## 7.2 Federal publication and generic guidance sources\n\n| P5 source ID | Issuer, title, literal URL | Actual read | Version/status and limits |\n| --- | --- | --- | --- |\n| **S_ID-P5-S019** | U.S. House OLRC, Title15 CROA publication: https://uscode.house.gov/us/usc/119-121/t15/s1679/ https://uscode.house.gov/us/usc/119-121/t15/s1679a/ https://uscode.house.gov/us/usc/119-121/t15/s1679c/ https://uscode.house.gov/us/usc/119-121/t15/s1679d/ https://uscode.house.gov/us/usc/119-121/t15/s1679e/ https://uscode.house.gov/us/usc/119-121/t15/s1679f/ https://uscode.house.gov/us/usc/119-121/t15/s1679j/ | Complete §1679a; complete agreement/disclosure/cancellation/nonwaiver paragraphs in §§1679c–f; complete §1679j; effective/application note under§1679 | Official OLRC publication through **PL119-121,10-9-2026**. Added by PL104-208,9-30-1996, relevant Statutes at Large credits3009-455,457–459,462. Source-stated application after six-month period, with preexisting-contract exception. One underlying code publication; section uses are not independent corroboration. |\n| **S_ID-P5-S020** | eCFR,16CFRPart310: https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4 https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6 | Necessary complete definitions; complete material disclosure paragraphs§310.3(a)(1); §310.4(a)(5)(i)–(ii); complete§310.6 exemptions | Authoritative but unofficial eCFR; retrieved current-through10-26-2026, title last-amended10-19-2026. Stable P1 aliases remain S026=.2, S027=.4, S028=.6. No fee overview rerun. |\n| **S_ID-P5-S021** | FTC/OFR, *Telemarketing Sales Rule*,2010finalrule — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule | Selected action/date paragraphs only | Published8-10-2010; historical stated effective dates9-27-2010, except§310.4(a)(5)10-27-2010. FederalRegister.gov HTML rendition; official printed PDF and complete later amendment chain not read. Not a substitute for S020’s current text. |\n| **S_ID-P5-S022** | Idaho AG, *Consumer Protection Manual* — https://www.ag.idaho.gov/content/uploads/2018/04/ConsumerProtectionManual.pdf | Selected printed pp.9 and28, PDF indices13 and32; visually inspected | Official generic guidance. Exact edition date not authenticated from the URL. Not operative law; not relied on for a universal cancellation or private-action conclusion. |\n| **S_ID-P5-S023** | Idaho AG, *Telephone Solicitors* — https://www.ag.idaho.gov/consumer-protection/telephone-solicitors/ | Selected generic legal-instruction paragraphs and public legal locators | Operational/generic guidance; no roster, registrant, actual form, or entity queried. |\n| **S_ID-P5-S024** | Idaho AG, January31,2023subscription announcement — https://www.ag.idaho.gov/newsroom/labrador-new-click-to-cancel-law-to-help-idahoans-cancel-online-subscriptions-and-repeat-charges/ | Selected explanatory paragraphs | Historical guidance predating the displayed2023statutory amendment. Not used to override S017’s later reproduced wording. |\n| **S_ID-P5-S025** | Official rule-navigation and index routes: https://adminrules.idaho.gov/current-rules/ https://adminrules.idaho.gov/cumulative-index/ https://adminrules.idaho.gov/history-notes/ https://adminrules.idaho.gov/cindex/04.pdf https://adminrules.idaho.gov/standalone/AbridgedIX.pdf | Landing-page technical failures; direct index/active-index routes inaccessible through redirects | Failure/discovery record only. No current cumulative-index body was read; no no-amendment conclusion. The current rule PDF was recovered separately. |\n| **S_ID-P5-S026** | Idaho AG, blank telephone-solicitor registration form — https://ag.idaho.gov/content/uploads/2018/05/TelephoneSolicitorRegistrationForm.pdf | Metadata/title surfaced; substantive form not analyzed | Not used as agreement authority, not filled, not treated as an approved contract, and not a provider-registration inquiry. |\n\n# 8. Atomic claim register\n\nIn this table, **P** means provisional 2025 statutory text; **O** means official legal body read subject to its stated currency; **H** means held dependency. “High” concerns the reading of the identified text, not an actual transaction’s classification.\n\n| Claim ID | Precise assertion | Source/pinpoint | Conditions, status, confidence |\n| --- | --- | --- | --- |\n| **S_ID-P5-C001** | Official ICAA section bodies were not recovered; C035 remains. | S001–S008 | H; access result certain, substantive currentness unresolved. |\n| **C002** | Official IDAPA04.02.01body and its identified3-31-2022adoption record were recovered, but no exhaustive later-history certification is made. | S009; S010p.111/index110; S011p.5/index4 | O; high on recovered body/history, later audit bounded. |\n| **C003** | Collection agency, creditor client, debt counselor, and credit repair are distinct categories; P2’s credit-repair definition exclusions remain. | S003–S004 | P; incorporated CRA/affiliate dependencies held. |\n| **C004** | ICAA exemptions depend on exact actor, activity, and capacity; no actual exemption is decided. | S007complete§26-2239 | P/H; external definitions incomplete. |\n| **C005** | §26-2229(1)requires written collection-agency–creditor-client contracts, not every consumer debt-relief agreement. | S005§(1) | P; high textual scope. |\n| **C006** | §26-2229(2)prohibits specified creditor-contract retention, penalty, and compensation provisions with express exceptions. | S005§(2)(a)–(c) | P; dishonored-check/small-claims dependencies held. |\n| **C007** | The§26-2229A(4)(e)incidental-charge branch requires a written form signed by debtor and licensee and prior approval of terms and amounts. | S006§(4)(e), read with(a)–(f) | P; no universal approval requirement. |\n| **C008** | Specified managerial/financial interests between agency and creditor client must be disclosed on every collection contact. | S006§(3) | P; collection-contact scope only. |\n| **C009** | Filing contract forms under§26-2224does not itself establish consumer delivery, assent, or approval. | S008§(1)(f),(l); S006§(4)(e) | P; bounded distinction. |\n| **C010** | C017’s noncustodial debtor-cancellation refund condition is retained. | S005§(3)(b) | P; no numerical rerun. |\n| **C011** | Association with unsettled debt matters; the paragraph does not prescribe a complete allocation methodology. | S005§(3)(b) | P/H; actual association and legal earning remain distinct. |\n| **C012** | The paragraph does not specify a notice method, payment deadline, or equivalence between debtor cancellation and provider termination/default. | S005§(3)(b) | Bounded text absence, not permission or universal no-deadline finding. |\n| **C013** | Applicable general Idaho rules require material offer disclosures and preserve cumulative obligations and exceptions. | S009Rules004–009,030,032,040–041; S012–S013 | O with P statutory-scope dependency. |\n| **C014** | Covered off-premises sale solicitations require initial identity/purpose disclosures and specified document/representation safeguards. | S009Rules160–164,pp.23–24/indices22–23 | O; sale-solicitation predicate required. |\n| **C015** | Door-to-door coverage depends on Rule020.22and its complete exclusions. | S009pp.8–9/indices7–8 | O; no actual sale classified. |\n| **C016** | Covered door-to-door sales require the stated copies, language, type, duplicate forms, completed fields, and oral notice. | S009Rule170.01–.06 | O; high. |\n| **C017** | The door-to-door cancellation period and permitted notice channels are those stated in Rule170and its notice. | S009Rule170.01–.03 | O; electronic substitution/counting application not decided. |\n| **C018** | Valid door-to-door cancellation triggers the stated payment/property/instrument/security-interest consequences within the receipt-based period. | S009Rule170.07 | O; no earned-service deduction stated there. |\n| **C019** | Rule170’s goods and transfer restrictions remain separate branches; no routine waiver of covered rights is allowed. | S009Rule170.02,.04,.08–.10 | O; emergency definition exception kept separate. |\n| **C020** | Telephone-sales coverage and§1004exemptions must be tested separately; actual revocable governmental licensing is material. | S014; S016§(1)(d),(2) | P; no license finding. |\n| **C021** | Where§1004applies, specified oral and written-confirmation requirements operate subject to the full-refund exception. | S014§(14); S015§(1)–(2) | P; no universal written-confirmation obligation. |\n| **C022** | Telephone cancellation and return clocks use confirmation receipt and solicitor receipt respectively. | S015prescribednotice | P; holiday incorporation and actual events unresolved. |\n| **C023** | Internet-renewal scope uses the defined internet agreement and extended renewal term, with application and exclusions. | S017§(1),(7)–(8) | P; no subscription classification. |\n| **C024** | The online cancellation mechanism and disclosure requirements do not establish a general prorated-refund rule. | S017§(2)–(3) | P; “should” retained. |\n| **C025** | Extended-renewal notice uses30–60days before delivery/provision and at least one no-cost method. | S017§(4) | P; no substituted expiration-date trigger. |\n| **C026** | §48-603Gexpressly limits private-action use and has a good-faith civil-penalty qualification. | S017§(5)–(6) | P; not a conclusion about other remedies. |\n| **C027** | Rule020.34’s negative-option notice conditions are tied here to the particular existing-service restructuring branch. | S009Rules020.34,.49.d | O; not all subscriptions. |\n| **C028** | Rule220addresses unordered services, subject to the definition’s exceptions. | S009Rules020.49,220 | O/H; federal425exception not completed. |\n| **C029** | Financed-credit agreement and home-solicitation-credit branches require unread dependencies and remain held. | S009Rule210; S018 | H; no financing consequence concluded. |\n| **C030** | CROA contract duties require its independent definition and exclusion analysis. | S019§1679a | O/H; no actual inclusion/exclusion. |\n| **C031** | CROA requires the prescribed separate precontract disclosure and signed receipt acknowledgment retention. | S019§1679c | O; underlyingFCRArights not separately audited. |\n| **C032** | CROA requires the specified written, dated, consumer-signed contract, contents, and service waiting period. | S019§1679d | O; no provider-countersignature requirement inferred. |\n| **C033** | CROA requires copies and duplicate cancellation notice; its operative and form wording are preserved without invented counting resolution. | S019§1679e, read with§1679d | O/H; no actual calendar. |\n| **C034** | CROA has nonwaiver and noncompliant-contract provisions, but the read paragraphs do not state a refund-payment deadline. | S019§§1679e–f | O; no actual enforceability/remedy decision. |\n| **C035** | TSR applicability remains conditional on definitions, jurisdictional predicates, and exemptions. | S020§§310.2,.6 | O/H; no actual sales-channel classification. |\n| **C036** | TSR material disclosures precede consent to pay; they do not authorize violation of another cancellation law or universally mandate a signed enrollment contract. | S020§310.3(a)(1) | O; complete relevant subparagraphs read. |\n| **C037** | The dedicated-account return clause concerns withdrawal from the service and applies only with its complete federal conditions. | S020§310.4(a)(5)(i)–(ii) | O; federal, not Idaho duty. |\n| **C038** | The regimes cannot be substituted for one another; overlap and preemption remain transaction- and provision-specific. | S009Rules005–007; S019§1679j | O/H; no preemption adjudication. |\n| **C039** | No actual agreement, party, notice, service, refund, or provider status was investigated. | Read/failure record | Certain; generic legal research only. |\n| **C040** | P1C017and P4’s unresolved deadline row are narrowed by conditional additional regimes, not overwritten as universal errors. | S005,S009,S015,S019–S020 | Evidence reconciliation; earlier source limits retained. |\n\n# 9. Quantities, dates, triggers, and unknown-event register\n\nThis register records source-stated legal quantities and temporal distinctions relied on in this pass. It contains no calculated deadline or hypothetical customer event.\n\n| Item | Quantity/unit or timing language | Trigger, exception, or counting limitation | Source/claim |\n| --- | --- | --- | --- |\n| Collection-contract restriction | Reproduced50%restriction with express written-interest-division and statutory cross-reference qualifications | Not recalculated; dishonored-check amount and small-claims dependency not completed | S005§(2)(c); C006 |\n| Existing cancellation refund | 50%of specified associated collected fees | Debtor cancellation before successful completion; unsettled-debt association required | S005§(3)(b); C010–C012 |\n| Incidental-charge form | Both debtor and licensee sign; approval precedes reliance on branch | Approval concerns terms and amounts; other§(4)alternatives remain | S006§(4)(e); C007 |\n| Affiliation disclosure | Every collection contact | Only specified agency–creditor managerial/financial interest | S006§(3); C008 |\n| General offer disclosure | Initial offer | Later disclosure is not itself a defense to Rule040 | S009Rules040–041; C013 |\n| Off-premises identification | Initial contact, before substantive statements/questions beyond greeting | Sale-solicitation predicate | S009Rule160; C014 |\n| Door-to-door threshold | $25or more, including qualifying multiple contracts | Personal/family/household purpose and complete definition/exclusions | S009Rule020.22; C015 |\n| Door-to-door business day | Excludes Saturday, Sunday and the holidays listed in Rule020.09 | Listed holidays: New Year’s, Martin Luther King Jr., Presidents’, Memorial, Independence, Labor, Columbus, Veterans, Thanksgiving, Christmas | S009Rule020.09; C017 |\n| Door-to-door cancellation | Midnight of third business day after transaction date | Actual transaction date unknown; definition exclusion may apply | S009Rule170.01–.03 |\n| Door-to-door print/copies | 10-point statement;10-point bold separate notice; duplicate notice | Same-language and placement requirements; copies at execution/assent | S009Rule170.01–.03; C016 |\n| Door-to-door return | 10business days after seller receives valid cancellation | Payments/property/instrument and security-interest consequences; not a universal service-refund deadline | S009Rule170.07; C018 |\n| Door-to-door goods pickup | 20days from cancellation-notice date in prescribed form | Goods made available; not a performed-service rule | S009Rule170.02; C019 |\n| Door-to-door transfer restriction | Until midnight of fifth business day after signing/purchase | Notes/evidences of debt and trade-in goods | S009Rule170.08–.09; C019 |\n| Door-to-door goods notice | 10business days after receipt of cancellation | Whether seller will retrieve or abandon goods | S009Rule170.10; C019 |\n| Telephone cancellation | 3business days after receipt of written confirmation; notice uses midnight deadline | §48-1005exemptions and §1004full-refund exception; actual receipt unknown | S014–S016; C020–C022 |\n| Telephone business day | Excludes Saturday, Sunday, and legal holidays under§73-108 | Incorporated holiday provision not read; no actual counting | S014definition; C022 |\n| Telephone return | 10business days after solicitor receives cancellation | All stated payments/consideration; separate from consumer’s cancellation dispatch | S015notice; C022 |\n| Telephone goods return | 21days after consumer receives refund | Goods only, at stated solicitor risk/expense | S015notice; C022 |\n| Telephone notice type | 10-point bold | Written-confirmation branch only | S015§(2); C021 |\n| Internet extended renewal | Renewal term12months or more | Not merely original term | S017§(1)(b); C023 |\n| Internet renewal notice | 30–60days before delivery/provision | Extended-renewal branch; at least one cancellation method must be free | S017§(4); C025 |\n| Internet application date | Agreement entered into or renewed on/after1-1-2023 | Application rule, not proof of enactment effective date | S017§(7); C023 |\n| Narrow negative-option notice | Consumer receives notice30–45days before delivery/services | Existing-services restructuring branch; at least2methods, one expense-free | S009Rules020.34,.49.d; C027 |\n| Narrow negative-option cancellation | At least10days after first bill is received | Rule governs charge treatment; mailed cancellation effective when mailed | S009Rule020.34; C027 |\n| CROA acknowledgment retention | 2years after consumer signs acknowledgment | Separate precontract disclosure | S019§1679c; C031 |\n| CROA service waiting period | 3business-day period beginning on signing date | Do not collapse with cancellation wording | S019§1679d(a)(2); C032 |\n| CROA cancellation | Before midnight of third business day beginning after execution or otherwise enforceability | Prescribed form says “3rd day”; counting/electronic-transmission dependencies held | S019§1679e; C033 |\n| CROA copies | Duplicate cancellation form; copies at signing | Contract, disclosure, and other required signed documents | S019§1679e(b)–(c); C033 |\n| TSR disclosures | Before customer consents to pay | Only covered telemarketing; relevant conditions and exemptions | S020§310.3(a)(1); C035–C036 |\n| TSR account return | 7business days after customer’s request | Withdrawal from service; only legally earned fees excepted; complete account conditions apply | S020§310.4(a)(5)(ii); C037 |\n| CROA enactment/application history | Added9-30-1996; applies after stated6-month period, with preexisting-contract exception | No computed effective calendar date or actual contract application | S019source/effective notes |\n| IDAPA adoption history | Pending notice12-22-2021; final record effective3-31-2022 | Historical adoption record; not a complete2026amendment audit | S010–S011; C002 |\n| Federal publication currency | OLRC through10-9-2026; eCFR through10-26-2026 | Neither is the access date or a new effective date | S019–S020 |\n| Historical TSR rule dates | Published8-10-2010; stated effective9-27-2010, except account/fee paragraph10-27-2010 | Historical selected metadata; complete printed rule/amendment chain not reconstructed | S021 |\n| Unknown events | Assent, execution, receipt, mailing, enforceability, renewal, delivery, completion, default, termination, performance, and refund payment | No actual event or deadline has been supplied or constructed | C011–C012,C017,C022–C025,C033,C037,C039 |\n\nThe specialized telephone exemptions were read in full. Their uninvoked sales-volume, media, storefront, securities, and catalog tests are not applied or treated as findings about a generic debt-relief business.\n\n# 10. Old/new reconciliation\n\n| Immutable supplied row | Fresh P5 evidence and read boundary | Change or retained gap | Dependent effect |\n| --- | --- | --- | --- |\n| **P1 S_ID-P1-S008:**§26-2229, previously focused on(3)(a)–(b) | Same underlying document, now complete§26-2229read as **S005**; official body still inaccessible | Adds(1)–(2)relationship-specific contract analysis; does not upgrade2025reproduction to official2026law | B01 writing/content findings are provisional; no consumer-contract transfer |\n| **P1 C017:**50%associated-fee refund upon debtor cancellation before successful completion | S005§(3)(b)freshly read; complete paragraph and adjacent actor branches considered | Proposition retained; no formula/example correction | Method, recipient, dispatch/receipt, association details, and payment deadline remain unexpressed in that paragraph |\n| **P1 Agreements/disclosures: excluded** | S005–S008; official S009; conditional S014–S020 | Generic agreement component now materially investigated | Not complete actual-agreement review, full incorporation audit, or current official ICAA authentication |\n| **P4 ordinary consumer cancellation return deadline: unresolved under provisions reviewed** | Rule170official body; provisional telephone statute; conditionalCROA/TSRparagraphs | Adds **conditional** return/cancellation regimes, not a universal Idaho deadline | Door-to-door, telephone, CROA, TSR, and§2229objects/triggers remain separate |\n| **P4 full contracts/bonds/remedies/etc: excluded** | Only generic contract/disclosure/cancellation law investigated | Contracts scope narrowed; other dimensions remain excluded | No bond, remedies, litigation, secured, sector, local, tribal, provider, or operational acceptance |\n| **C033 checklist hold** | No new checklist work | Unchanged | Exact NMLS checklist/workbook dependency remains |\n| **C035 current statutory text/amendment hold** | New official rule body and historical adoption record, but no ICAA statutory recovery | Unchanged for ICAA statutes; separate rule evidence added | No whole-Act or current-fee-schedule certification |\n\n**No old source alias is repurposed.** P5’s usage identifiers do not turn repeat reads, revised code publication snapshots, or alternate PDF delivery URLs into independent authorities.\n\n# 11. Wholly blank agreement-review worksheet\n\nNo substantive cell below is completed.\n\n| Field | Entry |\n| --- | --- |\n| Legal category |  |\n| Applicable authority and version |  |\n| Official-current-text verification |  |\n| Incorporated definition |  |\n| Exclusion or exemption |  |\n| Relationship governed |  |\n| Sales channel |  |\n| Agreement form requirement |  |\n| Required signatory |  |\n| Required precontract disclosure |  |\n| Required contract contents |  |\n| Copy recipient |  |\n| Copy-delivery event |  |\n| Required language/type/placement |  |\n| Cancellation trigger |  |\n| Cancellation period and counting rule |  |\n| Notice recipient |  |\n| Permitted notice method |  |\n| Dispatch/receipt rule |  |\n| Completion/default/termination distinction |  |\n| Refund object |  |\n| Association/allocation provision |  |\n| Permitted deduction authority |  |\n| Return deadline and trigger |  |\n| Unspent-funds treatment |  |\n| Renewal provision |  |\n| Waiver provision |  |\n| Electronic-record dependency |  |\n| Missing authority |  |\n| Review status |  |\n\nThis is an unfilled research worksheet, not a legal notice, approved contract, or transaction record.\n\n# 12. Granular coverage and remaining dependencies\n\n| User question / subquestion | Status | Branches, claims, sources | Exact missing evidence or next inquiry |\n| --- | --- | --- | --- |\n| **1: statutory title/chapter and actual clause body** | Partial | B01–B04; C001–C012; S003–S008 | Readable official ICAA bodies and current amendment chain remain unavailable |\n| **1: collection agency versus creditor client** | Answered provisionally | B01; C003,C005–C006 | Official-current text; incorporated fee-exception statutes if those branches are later relied on |\n| **1: debtor–agency incidental-charge form** | Answered provisionally | B02; C007; S006 | Official-current text; no actual approved form sought or evaluated |\n| **1: counselor/settlement agreement category** | Answered provisionally | B03–B04; C003,C010–C012 | Current official definitions; no universal contract template inferred |\n| **1: credit-repair definition exclusions** | Partial | B12; C003,C030 | Incorporated CRA/institutional/affiliate definitions; no actual exclusion determination |\n| **1: ICAA exemptions** | Partial | C004; S007 | External incorporated definitions and official-current authentication |\n| **1: writing/signature requirements** | Answered conditionally | B01,B02,B07,B12; C005,C007,C016,C032 | Applicable branch must be established; electronic-signature regime remains open |\n| **1: copies and delivery** | Answered conditionally | B07,B08,B12; C016,C021,C033 | Actual delivery facts absent; no universal copy duty inferred from§2229 |\n| **1: timing and content** | Answered conditionally | B05–B13; C013–C037 | Each branch’s predicate and unread incorporations remain |\n| **1: notice recipient/method** | Answered in specified branches; otherwise held | C012,C017,C022,C033 | §2229does not state method; electronic equivalence not evaluated |\n| **1: cancellation/termination consequences** | Partial | C010–C012,C018,C022,C026,C034,C037 | Provider termination/default and actual contract consequences not adjudicated |\n| **2: official operative ICAA recovery** | Unresolved | C001; S001–S008 | Ordinary readable official code or enacted chain |\n| **2: official consumer-protection rule body** | Recovered with limits | C002; S009 | Current cumulative index unavailable; no exhaustive later-rulemaking audit |\n| **2: rule adoption/effectiveness** | Historical chain partially authenticated | S010–S011 | Proposed fulltext and every later amendment not reconstructed; final historical prose was read |\n| **2: statutory source credit** | Recorded, secondary | S003–S008,S012–S018 | Displayed source credits are not official session-law authentication |\n| **2: federal edition/currency** | Recorded | S019–S021 | OLRC/eCFR stated through-dates preserved; no claim beyond them |\n| **2: failed-source handling** | Completed | S002,S025; read/failure log | No repeated variant attempts or absence-of-law inference |\n| **3: mandatory content versus discretion** | Answered conditionally | C005–C009,C013–C016,C021,C024,C031–C032 | Contract discretion is not permission to waive governing requirements |\n| **3: cancellation versus completion/default** | Partial | C010–C012 | §2229does not define all events or equate provider termination with debtor cancellation |\n| **3: earned fee versus unspent funds** | Distinction preserved | C010–C012,C018,C037 | No funds-ledger or fee-earning rerun; separate authority needed for actual deduction |\n| **3: association/allocation** | Unresolved detail retained | C011 | No method prescribed in§2229paragraph; no actual agreement or allocation examined |\n| **3: missing refund deadline** | Narrowed, not universally closed | C012,C018,C022,C034,C037 | Conditional channel rules supply deadlines; ordinary§2229deadline still not established |\n| **3: legal effect/private action** | Narrowly answered | C026,C034 | Only express§48-603GandCROAconsequences stated; full remedies/standing analysis excluded |\n| **4: CROA indispensable paragraphs** | Read with applicability holds | B12; C030–C034; S019 | Incorporated exclusions, counting implementation, and electronic delivery remain held |\n| **4: TSR indispensable paragraphs** | Read with applicability holds | B13; C035–C037; S020 | Actual jurisdiction/channel/customer/creditor predicates not determined |\n| **4: no substitution of federal account duty** | Preserved | C037–C038 | Federal7-business-dayclause is not Idaho law |\n| **4: other electronic/financing regimes** | Held | B11; C029,C033 | E-SIGN,UETA,fullUCCC,holder-ruleincorporations not completed |\n| **5: old/new comparison** | Completed for supplied rows | C040; Section10 | Original raw text and model/source provenance untouched |\n| **5: source and claim registers** | Completed for relied-on findings | Sections7–8 | Failed/discovery materials expressly separated |\n| **5: quantities/events/unknowns** | Completed | Section9 | No actual calendar or hypothetical customer event |\n| **5: blank worksheet** | Completed | Section11 | No values, identities, promises, or approved clauses inserted |\n| **5: read/failure and selfcheck** | Completed | Sections13–14 | No independent-review claim |\n| **C033** | Open | Prior hold | Exact current NMLS company checklist/renewal evidence |\n| **C035** | Open | Prior hold plus P5statutory dependencies | Official current statutes and complete relevant amendment comparison |\n| **Other Idaho dimensions** | Excluded | All broader prior holds | Bonds, full remedies/enforcement/litigation, secured/sector/local/tribal law, actual permission/application remain required |\n\n# 13. Full read and failure log\n\n## Actually read as legal bodies\n\n| Material | Read boundary | Visual status |\n| --- | --- | --- |\n| ICAA reproduced definitions, activity, contracts, prohibited-practices, exemptions | Complete relevant sections as specified in S003–S007 | HTML, not PDF |\n| Application statute | Relevant contract-filing/update clauses and displayed source history | HTML |\n| IDAPA04.02.01 | Complete materially relied-on paragraphs and definitions; not the entire33-pagechapter | Printed pp.6–13,23–26,28 visually inspected; indices5–12,22–25,27 |\n| 2022 pending-rule notice | Printed p.5/index4 only, plus identifying context | Parsed text read; screenshot attempt failed |\n| May2022bulletin adoption history | Relevant prose on printed p.111/index110; identifying/publication material | Parsed text read; screenshot attempt for located table failed; no pixels claimed |\n| Telephone statutes | Complete relevant definitions,§1004notice, and§1005exemptions | HTML |\n| Automatic-renewal statute | Complete§48-603G | HTML |\n| Consumer Protection Act scope/exceptions | Complete relevant§§48-602,48-605 | HTML |\n| Home-solicitation-credit definition | Complete§28-43-401only | HTML; downstream regime unread |\n| CROA | Complete materially relied-on definitions and§§c–f,j; source/application notes | Official OLRC HTML |\n| TSR | Complete necessary definitions, relevant disclosure/account paragraphs, and exemptions | eCFR HTML |\n| Historical2010TSRrule | Selected action/effective-date paragraphs only | HTML rendition; no printed-rule PDF analysis |\n\n## Guidance and discovery, not controlling substitutes\n\n| Material | Treatment |\n| --- | --- |\n| IDOF statute index | Official locator only |\n| AG Consumer Protection Manual | Selected generic pages read and visually inspected; edition not authenticated |\n| AG telephone-solictor page | Generic instructions/locators only; no roster or entity inquiry |\n| AG2023subscription announcement | Historical guidance; not substituted for later reproduced statutory wording |\n| Blank telephone registration form | Metadata/title only; not analyzed, filled, or relied on |\n| Search results concerning cases or identified parties | Not opened or relied on |\n| Older telephone-rule search result | Discovery only; no current operative text or expiration conclusion derived from its snippet |\n\n## Failed routes\n\n| Route group | Actual result and treatment |\n| --- | --- |\n| Five ICAA official section routes in S002 | Bounded attempts returned restricted/fetch or robots failures; no bodies read |\n| Official current-rule navigation pages | Technical listing failures; did not prevent separate recovery of the official rule PDF |\n| https://adminrules.idaho.gov/cindex/04.pdf | Redirected to https://files.dfm.idaho.gov/dfm-admin-website/cindex/04.pdf; inaccessible through tool |\n| https://adminrules.idaho.gov/standalone/AbridgedIX.pdf | Redirected to https://files.dfm.idaho.gov/dfm-admin-website/standalone/AbridgedIX.pdf; inaccessible |\n| May2022bulletin screenshot | Redirected official delivery path inaccessible for image fetch; parsed prose remained readable |\n| Pending2022review-book screenshot | Same distinction: parsed text readable, screenshot unsuccessful |\n| Official-current Title48 statute authentication | Not recovered; secondary bodies remain expressly provisional, with no invented failed URL record |\n| Complete official enacted ICAA amendment chain | Not recovered; signature tables, rollout notices, and prior guidance not substituted |\n\nNo failed route was converted into a finding that the law, amendment, notice requirement, or remedy does not exist.\n\n# 14. Researcher self-check and remaining limits\n\nThis pass newly read generic legal originals where available, including the official Idaho consumer-protection rule body and its identified adoption record, the relevant OLRC CROA paragraphs, and the necessary eCFR TSR paragraphs. It also read the complete relevant Idaho statutory reproductions while retaining their **secondary 2025** status.\n\nThe pass did **not**:\n\n- Authenticate current official ICAA statute bodies or complete the 2026 amendment chain.\n- Recover or rerun NMLS checklist evidence.\n- Inspect an actual or invented provider, creditor, customer, account, agreement, completed form, transaction, case, docket, roster, profile, or operational policy.\n- Reopen historical orders or court opinions.\n- Decide any actual actor’s Idaho, CROA, TSR, telephone-sales, door-to-door, subscription, financing, or institutional classification.\n- Treat a regulator filing as contract approval, a fee ceiling as an earning event, or a cancellation formula as a return rule for all customer funds.\n- Resolve electronic-signature law, all statutory incorporations, private remedies, preemption, enforceability of an actual agreement, or all financing-related cancellation regimes.\n- Calculate a customer deadline, create a hypothetical numerical customer, or fill the worksheet.\n- Access the supplied local review files or perform an independent review of the earlier reports.\n\n**Remaining central dependencies:** official-current statutory authentication; the unread incorporated definitions and financing/electronic-record regimes; and the specific unresolved notice, association, and return-deadline questions that the reproduced § 26-2229 paragraph does not answer. Additional channel-specific obligations are now identified, but no whole-component, Idaho, A066, parent, operational, or publication acceptance follows.\n\nEND S_ID PASS-05.\n\n","tables":[{"headers":["Label","Meaning in this pass"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Label","Meaning in this pass"],["Official body read","The operative legal text was actually readable from an official public publisher. Its stated publication currency and historical limits are preserved."],["Provisional statutory reading","The complete relevant wording was read in Justia’s 2025 Idaho Code reproduction. It is secondary, expressly subject to a currentness disclaimer, and not authenticated as official current 2026 law."],["Held dependency","A material incorporated definition, enactment chain, application fact, or other legal dependency was not sufficiently read or authenticated. No affirmative inclusion, exemption, permission, or outcome follows."]]},{"headers":["Branch","Actor, relationship, and predicate","Agreement/disclosure obligation established","Cancellation/termination consequence established","Boundary"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Actor, relationship, and predicate","Agreement/disclosure obligation established","Cancellation/termination consequence established","Boundary"],["B01","Collection agency licensed or required to be licensed ↔ creditor client","Contract must be written; specified contract provisions are prohibited.","No general cooling-off period established by § 26-2229(1)–(2).","Not a debtor-side settlement contract rule."],["B02","Collection agency ↔ debtor; incidental charges rely on § 26-2229A(4)(e)","Written form agreement signed by debtor and licensee; prior director approval of terms and amounts.","No general cancellation period supplied by this clause.","One alternative charge-authority branch, not universal form approval."],["B03","Noncustodial debt/credit counselor; reproduced § 26-2229(3)(b) applies","That paragraph does not supply a general consumer-contract contents, signature, copy, or delivery code.","Debtor cancellation before successful completion triggers the previously reviewed, association-based fee-refund provision.","Notice method, allocation detail, and payment deadline remain unexpressed in that paragraph."],["B04","Custodial counseling/settlement, or credit repair outside B03","No transfer of B03’s cancellation formula or B01’s writing rule without authority.","Other applicable law or an actual agreement may matter; not decided here.","Unspent customer money is not automatically the same object as collected provider fees."],["B05","Covered Idaho trade or commerce; no applicable exclusion","Material conditions must be disclosed clearly and conspicuously at the initial offer; later disclosure does not itself cure omission.","No universal cancellation period created by those general rules.","Rule and statutory exceptions remain material."],["B06","In-person or telephone sale solicitation away from appropriate trade premises","Initial identification and sales-purpose disclosures; additional in-person identification; restrictions on misleading documents and representations.","No general cooling-off period merely from Rule 160.","Must distinguish solicitation of a service from collection of an existing debt."],["B07","A qualifying door-to-door sale under Rule 020.22, with no applicable exclusion","Completed receipt/contract copy, prescribed notices, duplicate detachable cancellation forms, oral notice, language and type requirements.","Cancellation period and a seller-receipt-triggered return obligation.","Consumer-purpose, solicitation, location, price, and exclusion predicates matter."],["B08","Telephone Solicitation Act transaction not exempt from § 48-1004","Specified oral disclosures and, subject to its full-refund exception, written confirmation and cancellation notice.","Receipt-of-confirmation cancellation clock; receipt-of-notice refund clock.","Actual revocable governmental licensing can exempt the solicitor from § 48-1004."],["B09","Internet-entered automatic subscription renewal within § 48-603G","Renewal and cancellation-method disclosures; online cancellation mechanism; additional extended-renewal notice.","Cancellation mechanism, but no general prorated-refund deadline stated in that section.","Application date, renewal-term definition, exclusions, and express private-action limitation apply."],["B10","Narrow restructuring-of-existing-services branch under Rule 020.49.d","Rule 020.34 notice requirements.","Specific cancellation opportunity and treatment of charges.","Not a universal rule for every subscription or debt program."],["B11","Financed consumer-credit or regulated home-solicitation-credit sale","Potential additional notice/cancellation regimes identified.","Dependent analysis held.","Underlying credit definitions and complete cross-referenced regimes not completed."],["B12","A covered federal credit-repair organization and consumer","CROA precontract disclosure, written dated consumer-signed contract, contents, copies, and cancellation forms.","Federal cancellation right; nonwaiver and noncompliant-contract consequences.","Federal definition and exclusions must independently be satisfied."],["B13","Covered TSR telemarketing transaction involving debt relief","Material disclosures before consent to pay; additional debt-relief disclosures.","Conditional dedicated-account service-withdrawal and return rights.","Not a universal written enrollment-contract requirement or state return deadline."]]},{"headers":["Issue","What the paragraph establishes","What remains unestablished"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Issue","What the paragraph establishes","What remains unestablished"],["Actor/model","The stated noncustodial debt/credit-counselor branch","Automatic application to custodial counseling or standalone credit repair"],["Trigger","Debtor cancellation before successful completion","Automatic equivalence of provider termination, default, abandonment, or completed service"],["Money object","Collected provider fees associated with unsettled debt","Automatic inclusion of all unspent customer account money"],["Allocation","Fees must be associated with unsettled debt","A prescribed association formula, retrospective reallocation power, or contract-allocation safe harbor"],["Notice","Cancellation is the operative event","Named recipient, exclusive communication method, dispatch-versus-receipt rule, prescribed form, or required signature"],["Payment deadline","A refund obligation upon the stated condition","A specified number of days for payment"],["Contract discretion","Actual terms may be relevant evidence","Permission to waive, narrow, or defeat the statutory obligation"]]},{"headers":["Requirement","Exact legal object and timing"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Requirement","Exact legal object and timing"],["Completed receipt or contract copy","Furnished at execution; transaction date, seller name and street address; same language principally used in the oral presentation"],["Main cancellation statement","Prescribed statement in 10-point type beside the consumer-signature space, or on the receipt’s front"],["Separate cancellation form","Completed in duplicate, attached and easily detachable, prescribed heading and bold 10-point text, same language as the contract"],["Completed fields","Seller identification/address, transaction date, and cancellation date no earlier than the prescribed third-business-day limit"],["Oral notice","Given when the consumer signs or purchases"],["Waiver restriction","No confession of judgment or contractual waiver of the protected rights"]]},{"headers":["P5 source ID","Issuer, title, literal URL","Actual read and pinpoint","Edition, source credit, status, and limitation"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["P5 source ID","Issuer, title, literal URL","Actual read and pinpoint","Edition, source credit, status, and limitation"],["S_ID-P5-S001","IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Selected guidance-status paragraph and ICAA section links","Official locator, not operative section text. Same underlying document as P1 S001."],["S_ID-P5-S002","Idaho Legislature section routes: https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2223\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2239\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229A","One bounded attempt per relevant route; bodies not read","Restricted/fetch failure for the listed routes; §2223 reported robots denial. Usage/failure record, not an authenticated statutory source. Earlier S030 observations remain separate."],["S_ID-P5-S003","Justia, 2025 reproduction, §26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/","Complete definitions and displayed history; materially relied on (3)–(5), (7), (9), (13)","Secondary 2025. Displayed last amendment: 2008 ch.347 §1 p.938. No official current amendment chain. Same document as P1 S002."],["S_ID-P5-S004","Justia, 2025 reproduction, §26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/","Complete activity branches and history; especially (7)–(8)","Secondary 2025. Displayed last amendment: 2008 ch.347 §2 p.940. Same document as P1 S003."],["S_ID-P5-S005","Justia, Contracts, §26-2229 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/","Complete section, including (1), (2)(a)–(c), (3)(a)–(b), and history","Secondary 2025. Added 1970 ch.53 §8 p.118; displayed amendments through 2008 ch.347 §9 p.945. Exact effective/application chain unread. Same document as P1 S008."],["S_ID-P5-S006","Justia, §26-2229A — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/","Complete nine subsections and history; relied on (1), (3), complete (4), (9)","Secondary 2025. Added 1973 ch.263 §2 p.538; displayed latest amendment 2022 ch.286 §4 p.908. Enacted body/effective clause not recovered. Same document as P1 S009."],["S_ID-P5-S007","Justia, Exemptions, §26-2239 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2239/","Complete (1)–(10) and history","Secondary 2025. Displayed latest amendment 2020 ch.100 §1 p.260. Incorporated definitions not all completed. Same document as P1 S013."],["S_ID-P5-S008","Justia, License Application, §26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/","Body returned; reliance limited to (1)(f), (1)(l), and history","Secondary 2025. Displayed latest amendment 2022 ch.286 §2 p.906. Filing-versus-delivery distinction only; no application rerun. Same document as P1 S004."],["S_ID-P5-S009","Idaho AG/OARC, IDAPA 04.02.01, Idaho Rules of Consumer Protection — https://adminrules.idaho.gov/rules/current/04/040201.pdf\nOfficial delivery copy: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf","Complete relevant clauses in Rules 000–009; necessary definitions in 020; 030–033, 040–041; 160–170; 210 and220. Printed pp.6–13,23–26,28; PDF indices5–12,22–25,27. These pages were visually inspected.","Official current-published body; relevant clauses carry 3-31-22. Two URLs, one document. Full33-page chapter and every later amendment were not audited."],["S_ID-P5-S010","OARC, Idaho Administrative Bulletin, Vol.22-5, May4,2022 — https://adminrules.idaho.gov/bulletin/2022/05.pdf","Selected official adoption/history text, especially printed p.111, PDF index110, docket04-0000-2100","Parsed prose records codification of04.02.01 effective3-31-22. The printed p.20 table was located but screenshot failed; no table-only finding is required. Not all140pages read."],["S_ID-P5-S011","OARC, 2022 Senate State Affairs Pending Rules Review Book — https://adminrules.idaho.gov/legislative_books/2022/pending/22S_StateAffs.pdf","Selected notice, printed p.5, PDF index4","Notice dated12-22-2021: adopted as proposed, pending2022legislative review; references proposed publication10-20-2021, Vol.21-10SE pp.471–556. Historical pending status, not itself final effectiveness. Parsed text read; screenshot failed."],["S_ID-P5-S012","Justia, 2025 §48-602 definitions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/","Complete definitions and displayed history; reliance on trade/services and specifically permitted conduct","Secondary2025; displayed latest amendment1993ch.102§1p.256. Official current body not recovered."],["S_ID-P5-S013","Justia, 2025 §48-605 exceptions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/","Complete exceptions and history","Secondary2025; displayed addition1971ch.181§6p.847. Incorporated insurance/regulatory dependencies not independently resolved."],["S_ID-P5-S014","Justia, 2025 §48-1002 definitions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1002/","Complete definitions; particularly business day, solicitation/nexus, and written confirmation","Secondary2025; added1992ch.27§1p.83; displayed latest amendment2004ch.102§1p.358. §73-108 holiday incorporation unread."],["S_ID-P5-S015","Justia, 2025 §48-1004 — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1004/","Complete (1)–(2), including prescribed notice and goods-return paragraph","Secondary2025; displayed source1992ch.27§1p.85. No authenticated current official body/effective chain."],["S_ID-P5-S016","Justia, 2025 §48-1005 exemptions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1005/","Complete (1)(a)–(i), (2), and history","Secondary2025; latest displayed amendment1993ch.156§1p.400. Several incorporated securities/FTC definitions remain unread; no exemption application."],["S_ID-P5-S017","Justia, 2025 §48-603G — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/","Complete (1)–(8), including remedy limitation and exclusions","Added2022ch.193§1p.634; amended2023ch.106§1p.311, as displayed. Agreements entered/renewed on or after1-1-2023 is an application provision, not proof of amendment effective date."],["S_ID-P5-S018","Justia, 2025 §28-43-401 — https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/","Complete category definition and exclusions only","Secondary2025; displayed source1983ch.119§3p.286. Downstream §§402–405 and full credit definitions not read; financing branch held."]]},{"headers":["P5 source ID","Issuer, title, literal URL","Actual read","Version/status and limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["P5 source ID","Issuer, title, literal URL","Actual read","Version/status and limits"],["S_ID-P5-S019","U.S. House OLRC, Title15 CROA publication:\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679a/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679c/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679d/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679e/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679f/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679j/","Complete §1679a; complete agreement/disclosure/cancellation/nonwaiver paragraphs in §§1679c–f; complete §1679j; effective/application note under§1679","Official OLRC publication through PL119-121,10-9-2026. Added by PL104-208,9-30-1996, relevant Statutes at Large credits3009-455,457–459,462. Source-stated application after six-month period, with preexisting-contract exception. One underlying code publication; section uses are not independent corroboration."],["S_ID-P5-S020","eCFR,16CFRPart310:\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Necessary complete definitions; complete material disclosure paragraphs§310.3(a)(1); §310.4(a)(5)(i)–(ii); complete§310.6 exemptions","Authoritative but unofficial eCFR; retrieved current-through10-26-2026, title last-amended10-19-2026. Stable P1 aliases remain S026=.2, S027=.4, S028=.6. No fee overview rerun."],["S_ID-P5-S021","FTC/OFR, Telemarketing Sales Rule,2010finalrule — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Selected action/date paragraphs only","Published8-10-2010; historical stated effective dates9-27-2010, except§310.4(a)(5)10-27-2010. FederalRegister.gov HTML rendition; official printed PDF and complete later amendment chain not read. Not a substitute for S020’s current text."],["S_ID-P5-S022","Idaho AG, Consumer Protection Manual — https://www.ag.idaho.gov/content/uploads/2018/04/ConsumerProtectionManual.pdf","Selected printed pp.9 and28, PDF indices13 and32; visually inspected","Official generic guidance. Exact edition date not authenticated from the URL. Not operative law; not relied on for a universal cancellation or private-action conclusion."],["S_ID-P5-S023","Idaho AG, Telephone Solicitors — https://www.ag.idaho.gov/consumer-protection/telephone-solicitors/","Selected generic legal-instruction paragraphs and public legal locators","Operational/generic guidance; no roster, registrant, actual form, or entity queried."],["S_ID-P5-S024","Idaho AG, January31,2023subscription announcement — https://www.ag.idaho.gov/newsroom/labrador-new-click-to-cancel-law-to-help-idahoans-cancel-online-subscriptions-and-repeat-charges/","Selected explanatory paragraphs","Historical guidance predating the displayed2023statutory amendment. Not used to override S017’s later reproduced wording."],["S_ID-P5-S025","Official rule-navigation and index routes:\nhttps://adminrules.idaho.gov/current-rules/\nhttps://adminrules.idaho.gov/cumulative-index/\nhttps://adminrules.idaho.gov/history-notes/\nhttps://adminrules.idaho.gov/cindex/04.pdf\nhttps://adminrules.idaho.gov/standalone/AbridgedIX.pdf","Landing-page technical failures; direct index/active-index routes inaccessible through redirects","Failure/discovery record only. No current cumulative-index body was read; no no-amendment conclusion. The current rule PDF was recovered separately."],["S_ID-P5-S026","Idaho AG, blank telephone-solicitor registration form — https://ag.idaho.gov/content/uploads/2018/05/TelephoneSolicitorRegistrationForm.pdf","Metadata/title surfaced; substantive form not analyzed","Not used as agreement authority, not filled, not treated as an approved contract, and not a provider-registration inquiry."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint","Conditions, status, confidence"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint","Conditions, status, confidence"],["S_ID-P5-C001","Official ICAA section bodies were not recovered; C035 remains.","S001–S008","H; access result certain, substantive currentness unresolved."],["C002","Official IDAPA04.02.01body and its identified3-31-2022adoption record were recovered, but no exhaustive later-history certification is made.","S009; S010p.111/index110; S011p.5/index4","O; high on recovered body/history, later audit bounded."],["C003","Collection agency, creditor client, debt counselor, and credit repair are distinct categories; P2’s credit-repair definition exclusions remain.","S003–S004","P; incorporated CRA/affiliate dependencies held."],["C004","ICAA exemptions depend on exact actor, activity, and capacity; no actual exemption is decided.","S007complete§26-2239","P/H; external definitions incomplete."],["C005","§26-2229(1)requires written collection-agency–creditor-client contracts, not every consumer debt-relief agreement.","S005§(1)","P; high textual scope."],["C006","§26-2229(2)prohibits specified creditor-contract retention, penalty, and compensation provisions with express exceptions.","S005§(2)(a)–(c)","P; dishonored-check/small-claims dependencies held."],["C007","The§26-2229A(4)(e)incidental-charge branch requires a written form signed by debtor and licensee and prior approval of terms and amounts.","S006§(4)(e), read with(a)–(f)","P; no universal approval requirement."],["C008","Specified managerial/financial interests between agency and creditor client must be disclosed on every collection contact.","S006§(3)","P; collection-contact scope only."],["C009","Filing contract forms under§26-2224does not itself establish consumer delivery, assent, or approval.","S008§(1)(f),(l); S006§(4)(e)","P; bounded distinction."],["C010","C017’s noncustodial debtor-cancellation refund condition is retained.","S005§(3)(b)","P; no numerical rerun."],["C011","Association with unsettled debt matters; the paragraph does not prescribe a complete allocation methodology.","S005§(3)(b)","P/H; actual association and legal earning remain distinct."],["C012","The paragraph does not specify a notice method, payment deadline, or equivalence between debtor cancellation and provider termination/default.","S005§(3)(b)","Bounded text absence, not permission or universal no-deadline finding."],["C013","Applicable general Idaho rules require material offer disclosures and preserve cumulative obligations and exceptions.","S009Rules004–009,030,032,040–041; S012–S013","O with P statutory-scope dependency."],["C014","Covered off-premises sale solicitations require initial identity/purpose disclosures and specified document/representation safeguards.","S009Rules160–164,pp.23–24/indices22–23","O; sale-solicitation predicate required."],["C015","Door-to-door coverage depends on Rule020.22and its complete exclusions.","S009pp.8–9/indices7–8","O; no actual sale classified."],["C016","Covered door-to-door sales require the stated copies, language, type, duplicate forms, completed fields, and oral notice.","S009Rule170.01–.06","O; high."],["C017","The door-to-door cancellation period and permitted notice channels are those stated in Rule170and its notice.","S009Rule170.01–.03","O; electronic substitution/counting application not decided."],["C018","Valid door-to-door cancellation triggers the stated payment/property/instrument/security-interest consequences within the receipt-based period.","S009Rule170.07","O; no earned-service deduction stated there."],["C019","Rule170’s goods and transfer restrictions remain separate branches; no routine waiver of covered rights is allowed.","S009Rule170.02,.04,.08–.10","O; emergency definition exception kept separate."],["C020","Telephone-sales coverage and§1004exemptions must be tested separately; actual revocable governmental licensing is material.","S014; S016§(1)(d),(2)","P; no license finding."],["C021","Where§1004applies, specified oral and written-confirmation requirements operate subject to the full-refund exception.","S014§(14); S015§(1)–(2)","P; no universal written-confirmation obligation."],["C022","Telephone cancellation and return clocks use confirmation receipt and solicitor receipt respectively.","S015prescribednotice","P; holiday incorporation and actual events unresolved."],["C023","Internet-renewal scope uses the defined internet agreement and extended renewal term, with application and exclusions.","S017§(1),(7)–(8)","P; no subscription classification."],["C024","The online cancellation mechanism and disclosure requirements do not establish a general prorated-refund rule.","S017§(2)–(3)","P; “should” retained."],["C025","Extended-renewal notice uses30–60days before delivery/provision and at least one no-cost method.","S017§(4)","P; no substituted expiration-date trigger."],["C026","§48-603Gexpressly limits private-action use and has a good-faith civil-penalty qualification.","S017§(5)–(6)","P; not a conclusion about other remedies."],["C027","Rule020.34’s negative-option notice conditions are tied here to the particular existing-service restructuring branch.","S009Rules020.34,.49.d","O; not all subscriptions."],["C028","Rule220addresses unordered services, subject to the definition’s exceptions.","S009Rules020.49,220","O/H; federal425exception not completed."],["C029","Financed-credit agreement and home-solicitation-credit branches require unread dependencies and remain held.","S009Rule210; S018","H; no financing consequence concluded."],["C030","CROA contract duties require its independent definition and exclusion analysis.","S019§1679a","O/H; no actual inclusion/exclusion."],["C031","CROA requires the prescribed separate precontract disclosure and signed receipt acknowledgment retention.","S019§1679c","O; underlyingFCRArights not separately audited."],["C032","CROA requires the specified written, dated, consumer-signed contract, contents, and service waiting period.","S019§1679d","O; no provider-countersignature requirement inferred."],["C033","CROA requires copies and duplicate cancellation notice; its operative and form wording are preserved without invented counting resolution.","S019§1679e, read with§1679d","O/H; no actual calendar."],["C034","CROA has nonwaiver and noncompliant-contract provisions, but the read paragraphs do not state a refund-payment deadline.","S019§§1679e–f","O; no actual enforceability/remedy decision."],["C035","TSR applicability remains conditional on definitions, jurisdictional predicates, and exemptions.","S020§§310.2,.6","O/H; no actual sales-channel classification."],["C036","TSR material disclosures precede consent to pay; they do not authorize violation of another cancellation law or universally mandate a signed enrollment contract.","S020§310.3(a)(1)","O; complete relevant subparagraphs read."],["C037","The dedicated-account return clause concerns withdrawal from the service and applies only with its complete federal conditions.","S020§310.4(a)(5)(i)–(ii)","O; federal, not Idaho duty."],["C038","The regimes cannot be substituted for one another; overlap and preemption remain transaction- and provision-specific.","S009Rules005–007; S019§1679j","O/H; no preemption adjudication."],["C039","No actual agreement, party, notice, service, refund, or provider status was investigated.","Read/failure record","Certain; generic legal research only."],["C040","P1C017and P4’s unresolved deadline row are narrowed by conditional additional regimes, not overwritten as universal errors.","S005,S009,S015,S019–S020","Evidence reconciliation; earlier source limits retained."]]},{"headers":["Item","Quantity/unit or timing language","Trigger, exception, or counting limitation","Source/claim"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Quantity/unit or timing language","Trigger, exception, or counting limitation","Source/claim"],["Collection-contract restriction","Reproduced50%restriction with express written-interest-division and statutory cross-reference qualifications","Not recalculated; dishonored-check amount and small-claims dependency not completed","S005§(2)(c); C006"],["Existing cancellation refund","50%of specified associated collected fees","Debtor cancellation before successful completion; unsettled-debt association required","S005§(3)(b); C010–C012"],["Incidental-charge form","Both debtor and licensee sign; approval precedes reliance on branch","Approval concerns terms and amounts; other§(4)alternatives remain","S006§(4)(e); C007"],["Affiliation disclosure","Every collection contact","Only specified agency–creditor managerial/financial interest","S006§(3); C008"],["General offer disclosure","Initial offer","Later disclosure is not itself a defense to Rule040","S009Rules040–041; C013"],["Off-premises identification","Initial contact, before substantive statements/questions beyond greeting","Sale-solicitation predicate","S009Rule160; C014"],["Door-to-door threshold","$25or more, including qualifying multiple contracts","Personal/family/household purpose and complete definition/exclusions","S009Rule020.22; C015"],["Door-to-door business day","Excludes Saturday, Sunday and the holidays listed in Rule020.09","Listed holidays: New Year’s, Martin Luther King Jr., Presidents’, Memorial, Independence, Labor, Columbus, Veterans, Thanksgiving, Christmas","S009Rule020.09; C017"],["Door-to-door cancellation","Midnight of third business day after transaction date","Actual transaction date unknown; definition exclusion may apply","S009Rule170.01–.03"],["Door-to-door print/copies","10-point statement;10-point bold separate notice; duplicate notice","Same-language and placement requirements; copies at execution/assent","S009Rule170.01–.03; C016"],["Door-to-door return","10business days after seller receives valid cancellation","Payments/property/instrument and security-interest consequences; not a universal service-refund deadline","S009Rule170.07; C018"],["Door-to-door goods pickup","20days from cancellation-notice date in prescribed form","Goods made available; not a performed-service rule","S009Rule170.02; C019"],["Door-to-door transfer restriction","Until midnight of fifth business day after signing/purchase","Notes/evidences of debt and trade-in goods","S009Rule170.08–.09; C019"],["Door-to-door goods notice","10business days after receipt of cancellation","Whether seller will retrieve or abandon goods","S009Rule170.10; C019"],["Telephone cancellation","3business days after receipt of written confirmation; notice uses midnight deadline","§48-1005exemptions and §1004full-refund exception; actual receipt unknown","S014–S016; C020–C022"],["Telephone business day","Excludes Saturday, Sunday, and legal holidays under§73-108","Incorporated holiday provision not read; no actual counting","S014definition; C022"],["Telephone return","10business days after solicitor receives cancellation","All stated payments/consideration; separate from consumer’s cancellation dispatch","S015notice; C022"],["Telephone goods return","21days after consumer receives refund","Goods only, at stated solicitor risk/expense","S015notice; C022"],["Telephone notice type","10-point bold","Written-confirmation branch only","S015§(2); C021"],["Internet extended renewal","Renewal term12months or more","Not merely original term","S017§(1)(b); C023"],["Internet renewal notice","30–60days before delivery/provision","Extended-renewal branch; at least one cancellation method must be free","S017§(4); C025"],["Internet application date","Agreement entered into or renewed on/after1-1-2023","Application rule, not proof of enactment effective date","S017§(7); C023"],["Narrow negative-option notice","Consumer receives notice30–45days before delivery/services","Existing-services restructuring branch; at least2methods, one expense-free","S009Rules020.34,.49.d; C027"],["Narrow negative-option cancellation","At least10days after first bill is received","Rule governs charge treatment; mailed cancellation effective when mailed","S009Rule020.34; C027"],["CROA acknowledgment retention","2years after consumer signs acknowledgment","Separate precontract disclosure","S019§1679c; C031"],["CROA service waiting period","3business-day period beginning on signing date","Do not collapse with cancellation wording","S019§1679d(a)(2); C032"],["CROA cancellation","Before midnight of third business day beginning after execution or otherwise enforceability","Prescribed form says “3rd day”; counting/electronic-transmission dependencies held","S019§1679e; C033"],["CROA copies","Duplicate cancellation form; copies at signing","Contract, disclosure, and other required signed documents","S019§1679e(b)–(c); C033"],["TSR disclosures","Before customer consents to pay","Only covered telemarketing; relevant conditions and exemptions","S020§310.3(a)(1); C035–C036"],["TSR account return","7business days after customer’s request","Withdrawal from service; only legally earned fees excepted; complete account conditions apply","S020§310.4(a)(5)(ii); C037"],["CROA enactment/application history","Added9-30-1996; applies after stated6-month period, with preexisting-contract exception","No computed effective calendar date or actual contract application","S019source/effective notes"],["IDAPA adoption history","Pending notice12-22-2021; final record effective3-31-2022","Historical adoption record; not a complete2026amendment audit","S010–S011; C002"],["Federal publication currency","OLRC through10-9-2026; eCFR through10-26-2026","Neither is the access date or a new effective date","S019–S020"],["Historical TSR rule dates","Published8-10-2010; stated effective9-27-2010, except account/fee paragraph10-27-2010","Historical selected metadata; complete printed rule/amendment chain not reconstructed","S021"],["Unknown events","Assent, execution, receipt, mailing, enforceability, renewal, delivery, completion, default, termination, performance, and refund payment","No actual event or deadline has been supplied or constructed","C011–C012,C017,C022–C025,C033,C037,C039"]]},{"headers":["Immutable supplied row","Fresh P5 evidence and read boundary","Change or retained gap","Dependent effect"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Immutable supplied row","Fresh P5 evidence and read boundary","Change or retained gap","Dependent effect"],["P1 S_ID-P1-S008:§26-2229, previously focused on(3)(a)–(b)","Same underlying document, now complete§26-2229read as S005; official body still inaccessible","Adds(1)–(2)relationship-specific contract analysis; does not upgrade2025reproduction to official2026law","B01 writing/content findings are provisional; no consumer-contract transfer"],["**P1 C017:**50%associated-fee refund upon debtor cancellation before successful completion","S005§(3)(b)freshly read; complete paragraph and adjacent actor branches considered","Proposition retained; no formula/example correction","Method, recipient, dispatch/receipt, association details, and payment deadline remain unexpressed in that paragraph"],["P1 Agreements/disclosures: excluded","S005–S008; official S009; conditional S014–S020","Generic agreement component now materially investigated","Not complete actual-agreement review, full incorporation audit, or current official ICAA authentication"],["P4 ordinary consumer cancellation return deadline: unresolved under provisions reviewed","Rule170official body; provisional telephone statute; conditionalCROA/TSRparagraphs","Adds conditional return/cancellation regimes, not a universal Idaho deadline","Door-to-door, telephone, CROA, TSR, and§2229objects/triggers remain separate"],["P4 full contracts/bonds/remedies/etc: excluded","Only generic contract/disclosure/cancellation law investigated","Contracts scope narrowed; other dimensions remain excluded","No bond, remedies, litigation, secured, sector, local, tribal, provider, or operational acceptance"],["C033 checklist hold","No new checklist work","Unchanged","Exact NMLS checklist/workbook dependency remains"],["C035 current statutory text/amendment hold","New official rule body and historical adoption record, but no ICAA statutory recovery","Unchanged for ICAA statutes; separate rule evidence added","No whole-Act or current-fee-schedule certification"]]},{"headers":["Field","Entry"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field","Entry"],["Legal category",""],["Applicable authority and version",""],["Official-current-text verification",""],["Incorporated definition",""],["Exclusion or exemption",""],["Relationship governed",""],["Sales channel",""],["Agreement form requirement",""],["Required signatory",""],["Required precontract disclosure",""],["Required contract contents",""],["Copy recipient",""],["Copy-delivery event",""],["Required language/type/placement",""],["Cancellation trigger",""],["Cancellation period and counting rule",""],["Notice recipient",""],["Permitted notice method",""],["Dispatch/receipt rule",""],["Completion/default/termination distinction",""],["Refund object",""],["Association/allocation provision",""],["Permitted deduction authority",""],["Return deadline and trigger",""],["Unspent-funds treatment",""],["Renewal provision",""],["Waiver provision",""],["Electronic-record dependency",""],["Missing authority",""],["Review status",""]]},{"headers":["User question / subquestion","Status","Branches, claims, sources","Exact missing evidence or next inquiry"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["User question / subquestion","Status","Branches, claims, sources","Exact missing evidence or next inquiry"],["1: statutory title/chapter and actual clause body","Partial","B01–B04; C001–C012; S003–S008","Readable official ICAA bodies and current amendment chain remain unavailable"],["1: collection agency versus creditor client","Answered provisionally","B01; C003,C005–C006","Official-current text; incorporated fee-exception statutes if those branches are later relied on"],["1: debtor–agency incidental-charge form","Answered provisionally","B02; C007; S006","Official-current text; no actual approved form sought or evaluated"],["1: counselor/settlement agreement category","Answered provisionally","B03–B04; C003,C010–C012","Current official definitions; no universal contract template inferred"],["1: credit-repair definition exclusions","Partial","B12; C003,C030","Incorporated CRA/institutional/affiliate definitions; no actual exclusion determination"],["1: ICAA exemptions","Partial","C004; S007","External incorporated definitions and official-current authentication"],["1: writing/signature requirements","Answered conditionally","B01,B02,B07,B12; C005,C007,C016,C032","Applicable branch must be established; electronic-signature regime remains open"],["1: copies and delivery","Answered conditionally","B07,B08,B12; C016,C021,C033","Actual delivery facts absent; no universal copy duty inferred from§2229"],["1: timing and content","Answered conditionally","B05–B13; C013–C037","Each branch’s predicate and unread incorporations remain"],["1: notice recipient/method","Answered in specified branches; otherwise held","C012,C017,C022,C033","§2229does not state method; electronic equivalence not evaluated"],["1: cancellation/termination consequences","Partial","C010–C012,C018,C022,C026,C034,C037","Provider termination/default and actual contract consequences not adjudicated"],["2: official operative ICAA recovery","Unresolved","C001; S001–S008","Ordinary readable official code or enacted chain"],["2: official consumer-protection rule body","Recovered with limits","C002; S009","Current cumulative index unavailable; no exhaustive later-rulemaking audit"],["2: rule adoption/effectiveness","Historical chain partially authenticated","S010–S011","Proposed fulltext and every later amendment not reconstructed; final historical prose was read"],["2: statutory source credit","Recorded, secondary","S003–S008,S012–S018","Displayed source credits are not official session-law authentication"],["2: federal edition/currency","Recorded","S019–S021","OLRC/eCFR stated through-dates preserved; no claim beyond them"],["2: failed-source handling","Completed","S002,S025; read/failure log","No repeated variant attempts or absence-of-law inference"],["3: mandatory content versus discretion","Answered conditionally","C005–C009,C013–C016,C021,C024,C031–C032","Contract discretion is not permission to waive governing requirements"],["3: cancellation versus completion/default","Partial","C010–C012","§2229does not define all events or equate provider termination with debtor cancellation"],["3: earned fee versus unspent funds","Distinction preserved","C010–C012,C018,C037","No funds-ledger or fee-earning rerun; separate authority needed for actual deduction"],["3: association/allocation","Unresolved detail retained","C011","No method prescribed in§2229paragraph; no actual agreement or allocation examined"],["3: missing refund deadline","Narrowed, not universally closed","C012,C018,C022,C034,C037","Conditional channel rules supply deadlines; ordinary§2229deadline still not established"],["3: legal effect/private action","Narrowly answered","C026,C034","Only express§48-603GandCROAconsequences stated; full remedies/standing analysis excluded"],["4: CROA indispensable paragraphs","Read with applicability holds","B12; C030–C034; S019","Incorporated exclusions, counting implementation, and electronic delivery remain held"],["4: TSR indispensable paragraphs","Read with applicability holds","B13; C035–C037; S020","Actual jurisdiction/channel/customer/creditor predicates not determined"],["4: no substitution of federal account duty","Preserved","C037–C038","Federal7-business-dayclause is not Idaho law"],["4: other electronic/financing regimes","Held","B11; C029,C033","E-SIGN,UETA,fullUCCC,holder-ruleincorporations not completed"],["5: old/new comparison","Completed for supplied rows","C040; Section10","Original raw text and model/source provenance untouched"],["5: source and claim registers","Completed for relied-on findings","Sections7–8","Failed/discovery materials expressly separated"],["5: quantities/events/unknowns","Completed","Section9","No actual calendar or hypothetical customer event"],["5: blank worksheet","Completed","Section11","No values, identities, promises, or approved clauses inserted"],["5: read/failure and selfcheck","Completed","Sections13–14","No independent-review claim"],["C033","Open","Prior hold","Exact current NMLS company checklist/renewal evidence"],["C035","Open","Prior hold plus P5statutory dependencies","Official current statutes and complete relevant amendment comparison"],["Other Idaho dimensions","Excluded","All broader prior holds","Bonds, full remedies/enforcement/litigation, secured/sector/local/tribal law, actual permission/application remain required"]]},{"headers":["Material","Read boundary","Visual status"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Read boundary","Visual status"],["ICAA reproduced definitions, activity, contracts, prohibited-practices, exemptions","Complete relevant sections as specified in S003–S007","HTML, not PDF"],["Application statute","Relevant contract-filing/update clauses and displayed source history","HTML"],["IDAPA04.02.01","Complete materially relied-on paragraphs and definitions; not the entire33-pagechapter","Printed pp.6–13,23–26,28 visually inspected; indices5–12,22–25,27"],["2022 pending-rule notice","Printed p.5/index4 only, plus identifying context","Parsed text read; screenshot attempt failed"],["May2022bulletin adoption history","Relevant prose on printed p.111/index110; identifying/publication material","Parsed text read; screenshot attempt for located table failed; no pixels claimed"],["Telephone statutes","Complete relevant definitions,§1004notice, and§1005exemptions","HTML"],["Automatic-renewal statute","Complete§48-603G","HTML"],["Consumer Protection Act scope/exceptions","Complete relevant§§48-602,48-605","HTML"],["Home-solicitation-credit definition","Complete§28-43-401only","HTML; downstream regime unread"],["CROA","Complete materially relied-on definitions and§§c–f,j; source/application notes","Official OLRC HTML"],["TSR","Complete necessary definitions, relevant disclosure/account paragraphs, and exemptions","eCFR HTML"],["Historical2010TSRrule","Selected action/effective-date paragraphs only","HTML rendition; no printed-rule PDF analysis"]]},{"headers":["Material","Treatment"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Material","Treatment"],["IDOF statute index","Official locator only"],["AG Consumer Protection Manual","Selected generic pages read and visually inspected; edition not authenticated"],["AG telephone-solictor page","Generic instructions/locators only; no roster or entity inquiry"],["AG2023subscription announcement","Historical guidance; not substituted for later reproduced statutory wording"],["Blank telephone registration form","Metadata/title only; not analyzed, filled, or relied on"],["Search results concerning cases or identified parties","Not opened or relied on"],["Older telephone-rule search result","Discovery only; no current operative text or expiration conclusion derived from its snippet"]]},{"headers":["Route group","Actual result and treatment"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Route group","Actual result and treatment"],["Five ICAA official section routes in S002","Bounded attempts returned restricted/fetch or robots failures; no bodies read"],["Official current-rule navigation pages","Technical listing failures; did not prevent separate recovery of the official rule PDF"],["https://adminrules.idaho.gov/cindex/04.pdf","Redirected to https://files.dfm.idaho.gov/dfm-admin-website/cindex/04.pdf; inaccessible through tool"],["https://adminrules.idaho.gov/standalone/AbridgedIX.pdf","Redirected to https://files.dfm.idaho.gov/dfm-admin-website/standalone/AbridgedIX.pdf; inaccessible"],["May2022bulletin screenshot","Redirected official delivery path inaccessible for image fetch; parsed prose remained readable"],["Pending2022review-book screenshot","Same distinction: parsed text readable, screenshot unsuccessful"],["Official-current Title48 statute authentication","Not recovered; secondary bodies remain expressly provisional, with no invented failed URL record"],["Complete official enacted ICAA amendment chain","Not recovered; signature tables, rollout notices, and prior guidance not substituted"]]}],"claims":[{"claim_id":"S_ID-P5-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_ID-P5-C001","Precise assertion":"Official ICAA section bodies were not recovered; C035 remains.","Source/pinpoint":"S001–S008","Conditions, status, confidence":"H; access result certain, substantive currentness unresolved."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"Official IDAPA04.02.01body and its identified3-31-2022adoption record were recovered, but no exhaustive later-history certification is made.","Source/pinpoint":"S009; S010p.111/index110; S011p.5/index4","Conditions, status, confidence":"O; high on recovered body/history, later audit bounded."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"Collection agency, creditor client, debt counselor, and credit repair are distinct categories; P2’s credit-repair definition exclusions remain.","Source/pinpoint":"S003–S004","Conditions, status, confidence":"P; incorporated CRA/affiliate dependencies held."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"ICAA exemptions depend on exact actor, activity, and capacity; no actual exemption is decided.","Source/pinpoint":"S007complete§26-2239","Conditions, status, confidence":"P/H; external definitions incomplete."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"§26-2229(1)requires written collection-agency–creditor-client contracts, not every consumer debt-relief agreement.","Source/pinpoint":"S005§(1)","Conditions, status, confidence":"P; high textual scope."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"§26-2229(2)prohibits specified creditor-contract retention, penalty, and compensation provisions with express exceptions.","Source/pinpoint":"S005§(2)(a)–(c)","Conditions, status, confidence":"P; dishonored-check/small-claims dependencies held."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"The§26-2229A(4)(e)incidental-charge branch requires a written form signed by debtor and licensee and prior approval of terms and amounts.","Source/pinpoint":"S006§(4)(e), read with(a)–(f)","Conditions, status, confidence":"P; no universal approval requirement."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"Specified managerial/financial interests between agency and creditor client must be disclosed on every collection contact.","Source/pinpoint":"S006§(3)","Conditions, status, confidence":"P; collection-contact scope only."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"Filing contract forms under§26-2224does not itself establish consumer delivery, assent, or approval.","Source/pinpoint":"S008§(1)(f),(l); S006§(4)(e)","Conditions, status, confidence":"P; bounded distinction."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"C017’s noncustodial debtor-cancellation refund condition is retained.","Source/pinpoint":"S005§(3)(b)","Conditions, status, confidence":"P; no numerical rerun."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"Association with unsettled debt matters; the paragraph does not prescribe a complete allocation methodology.","Source/pinpoint":"S005§(3)(b)","Conditions, status, confidence":"P/H; actual association and legal earning remain distinct."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"The paragraph does not specify a notice method, payment deadline, or equivalence between debtor cancellation and provider termination/default.","Source/pinpoint":"S005§(3)(b)","Conditions, status, confidence":"Bounded text absence, not permission or universal no-deadline finding."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"Applicable general Idaho rules require material offer disclosures and preserve cumulative obligations and exceptions.","Source/pinpoint":"S009Rules004–009,030,032,040–041; S012–S013","Conditions, status, confidence":"O with P statutory-scope dependency."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"Covered off-premises sale solicitations require initial identity/purpose disclosures and specified document/representation safeguards.","Source/pinpoint":"S009Rules160–164,pp.23–24/indices22–23","Conditions, status, confidence":"O; sale-solicitation predicate required."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"Door-to-door coverage depends on Rule020.22and its complete exclusions.","Source/pinpoint":"S009pp.8–9/indices7–8","Conditions, status, confidence":"O; no actual sale classified."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"Covered door-to-door sales require the stated copies, language, type, duplicate forms, completed fields, and oral notice.","Source/pinpoint":"S009Rule170.01–.06","Conditions, status, confidence":"O; high."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"The door-to-door cancellation period and permitted notice channels are those stated in Rule170and its notice.","Source/pinpoint":"S009Rule170.01–.03","Conditions, status, confidence":"O; electronic substitution/counting application not decided."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"Valid door-to-door cancellation triggers the stated payment/property/instrument/security-interest consequences within the receipt-based period.","Source/pinpoint":"S009Rule170.07","Conditions, status, confidence":"O; no earned-service deduction stated there."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise assertion":"Rule170’s goods and transfer restrictions remain separate branches; no routine waiver of covered rights is allowed.","Source/pinpoint":"S009Rule170.02,.04,.08–.10","Conditions, status, confidence":"O; emergency definition exception kept separate."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"Telephone-sales coverage and§1004exemptions must be tested separately; actual revocable governmental licensing is material.","Source/pinpoint":"S014; S016§(1)(d),(2)","Conditions, status, confidence":"P; no license finding."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"Where§1004applies, specified oral and written-confirmation requirements operate subject to the full-refund exception.","Source/pinpoint":"S014§(14); S015§(1)–(2)","Conditions, status, confidence":"P; no universal written-confirmation obligation."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"Telephone cancellation and return clocks use confirmation receipt and solicitor receipt respectively.","Source/pinpoint":"S015prescribednotice","Conditions, status, confidence":"P; holiday incorporation and actual events unresolved."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"Internet-renewal scope uses the defined internet agreement and extended renewal term, with application and exclusions.","Source/pinpoint":"S017§(1),(7)–(8)","Conditions, status, confidence":"P; no subscription classification."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"The online cancellation mechanism and disclosure requirements do not establish a general prorated-refund rule.","Source/pinpoint":"S017§(2)–(3)","Conditions, status, confidence":"P; “should” retained."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"Extended-renewal notice uses30–60days before delivery/provision and at least one no-cost method.","Source/pinpoint":"S017§(4)","Conditions, status, confidence":"P; no substituted expiration-date trigger."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"§48-603Gexpressly limits private-action use and has a good-faith civil-penalty qualification.","Source/pinpoint":"S017§(5)–(6)","Conditions, status, confidence":"P; not a conclusion about other remedies."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"Rule020.34’s negative-option notice conditions are tied here to the particular existing-service restructuring branch.","Source/pinpoint":"S009Rules020.34,.49.d","Conditions, status, confidence":"O; not all subscriptions."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise assertion":"Rule220addresses unordered services, subject to the definition’s exceptions.","Source/pinpoint":"S009Rules020.49,220","Conditions, status, confidence":"O/H; federal425exception not completed."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise assertion":"Financed-credit agreement and home-solicitation-credit branches require unread dependencies and remain held.","Source/pinpoint":"S009Rule210; S018","Conditions, status, confidence":"H; no financing consequence concluded."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Precise assertion":"CROA contract duties require its independent definition and exclusion analysis.","Source/pinpoint":"S019§1679a","Conditions, status, confidence":"O/H; no actual inclusion/exclusion."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise assertion":"CROA requires the prescribed separate precontract disclosure and signed receipt acknowledgment retention.","Source/pinpoint":"S019§1679c","Conditions, status, confidence":"O; underlyingFCRArights not separately audited."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise assertion":"CROA requires the specified written, dated, consumer-signed contract, contents, and service waiting period.","Source/pinpoint":"S019§1679d","Conditions, status, confidence":"O; no provider-countersignature requirement inferred."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise assertion":"CROA requires copies and duplicate cancellation notice; its operative and form wording are preserved without invented counting resolution.","Source/pinpoint":"S019§1679e, read with§1679d","Conditions, status, confidence":"O/H; no actual calendar."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise assertion":"CROA has nonwaiver and noncompliant-contract provisions, but the read paragraphs do not state a refund-payment deadline.","Source/pinpoint":"S019§§1679e–f","Conditions, status, confidence":"O; no actual enforceability/remedy decision."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise assertion":"TSR applicability remains conditional on definitions, jurisdictional predicates, and exemptions.","Source/pinpoint":"S020§§310.2,.6","Conditions, status, confidence":"O/H; no actual sales-channel classification."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise assertion":"TSR material disclosures precede consent to pay; they do not authorize violation of another cancellation law or universally mandate a signed enrollment contract.","Source/pinpoint":"S020§310.3(a)(1)","Conditions, status, confidence":"O; complete relevant subparagraphs read."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise assertion":"The dedicated-account return clause concerns withdrawal from the service and applies only with its complete federal conditions.","Source/pinpoint":"S020§310.4(a)(5)(i)–(ii)","Conditions, status, confidence":"O; federal, not Idaho duty."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Precise assertion":"The regimes cannot be substituted for one another; overlap and preemption remain transaction- and provision-specific.","Source/pinpoint":"S009Rules005–007; S019§1679j","Conditions, status, confidence":"O/H; no preemption adjudication."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Precise assertion":"No actual agreement, party, notice, service, refund, or provider status was investigated.","Source/pinpoint":"Read/failure record","Conditions, status, confidence":"Certain; generic legal research only."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Precise assertion":"P1C017and P4’s unresolved deadline row are narrowed by conditional additional regimes, not overwritten as universal errors.","Source/pinpoint":"S005,S009,S015,S019–S020","Conditions, status, confidence":"Evidence reconciliation; earlier source limits retained."},"coordinator_verification_status":"whole_report_reviewed_selected_primary_and_secondary_checks_only_see_exact_bounds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false}],"sources":[{"source_id":"S_ID-P5-S001","urls":["https://www.finance.idaho.gov/legal/statutes-and-rules/"],"researcher_record":{"P5 source ID":"S_ID-P5-S001","Issuer, title, literal URL":"IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Actual read and pinpoint":"Selected guidance-status paragraph and ICAA section links","Edition, source credit, status, and limitation":"Official locator, not operative section text. Same underlying document as P1 S001."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S002","urls":["https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229","https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222","https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2223","https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2239","https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229A"],"researcher_record":{"P5 source ID":"S_ID-P5-S002","Issuer, title, literal URL":"Idaho Legislature section routes: https://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2222\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2223\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2239\nhttps://legislature.idaho.gov/statutesrules/idstat/Title26/T26CH22/SECT26-2229A","Actual read and pinpoint":"One bounded attempt per relevant route; bodies not read","Edition, source credit, status, and limitation":"Restricted/fetch failure for the listed routes; §2223 reported robots denial. Usage/failure record, not an authenticated statutory source. Earlier S030 observations remain separate."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S003","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/"],"researcher_record":{"P5 source ID":"S_ID-P5-S003","Issuer, title, literal URL":"Justia, 2025 reproduction, §26-2222 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2222/","Actual read and pinpoint":"Complete definitions and displayed history; materially relied on (3)–(5), (7), (9), (13)","Edition, source credit, status, and limitation":"Secondary 2025. Displayed last amendment: 2008 ch.347 §1 p.938. No official current amendment chain. Same document as P1 S002."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S004","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/"],"researcher_record":{"P5 source ID":"S_ID-P5-S004","Issuer, title, literal URL":"Justia, 2025 reproduction, §26-2223 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2223/","Actual read and pinpoint":"Complete activity branches and history; especially (7)–(8)","Edition, source credit, status, and limitation":"Secondary 2025. Displayed last amendment: 2008 ch.347 §2 p.940. Same document as P1 S003."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S005","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/"],"researcher_record":{"P5 source ID":"S_ID-P5-S005","Issuer, title, literal URL":"Justia, Contracts, §26-2229 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229/","Actual read and pinpoint":"Complete section, including (1), (2)(a)–(c), (3)(a)–(b), and history","Edition, source credit, status, and limitation":"Secondary 2025. Added 1970 ch.53 §8 p.118; displayed amendments through 2008 ch.347 §9 p.945. Exact effective/application chain unread. Same document as P1 S008."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete26-2229(1)-(3),58-69,history72/disclaimer75. Writing relationship,50%compensation restriction and exceptions,15/20%context and50%associated collected fee cancellation refund. No official-current upgrade or fresh formula/example rerun.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S006","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/"],"researcher_record":{"P5 source ID":"S_ID-P5-S006","Issuer, title, literal URL":"Justia, §26-2229A — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2229a/","Actual read and pinpoint":"Complete nine subsections and history; relied on (1), (3), complete (4), (9)","Edition, source credit, status, and limitation":"Secondary 2025. Added 1973 ch.263 §2 p.538; displayed latest amendment 2022 ch.286 §4 p.908. Enacted body/effective clause not recovered. Same document as P1 S009."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete26-2229A(1)-(9),57-75,history78/disclaimer81; reliance1/3/4/9. All alternatives4a-f retained; signed prior-approved form only4e. No official-current authentication.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S007","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2239/"],"researcher_record":{"P5 source ID":"S_ID-P5-S007","Issuer, title, literal URL":"Justia, Exemptions, §26-2239 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2239/","Actual read and pinpoint":"Complete (1)–(10) and history","Edition, source credit, status, and limitation":"Secondary 2025. Displayed latest amendment 2020 ch.100 §1 p.260. Incorporated definitions not all completed. Same document as P1 S013."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S008","urls":["https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/"],"researcher_record":{"P5 source ID":"S_ID-P5-S008","Issuer, title, literal URL":"Justia, License Application, §26-2224 — https://law.justia.com/codes/idaho/title-26/chapter-22/section-26-2224/","Actual read and pinpoint":"Body returned; reliance limited to (1)(f), (1)(l), and history","Edition, source credit, status, and limitation":"Secondary 2025. Displayed latest amendment 2022 ch.286 §2 p.906. Filing-versus-delivery distinction only; no application rerun. Same document as P1 S004."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S009","urls":["https://adminrules.idaho.gov/rules/current/04/040201.pdf","https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S009","Issuer, title, literal URL":"Idaho AG/OARC, IDAPA 04.02.01, Idaho Rules of Consumer Protection — https://adminrules.idaho.gov/rules/current/04/040201.pdf\nOfficial delivery copy: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf","Actual read and pinpoint":"Complete relevant clauses in Rules 000–009; necessary definitions in 020; 030–033, 040–041; 160–170; 210 and220. Printed pp.6–13,23–26,28; PDF indices5–12,22–25,27. These pages were visually inspected.","Edition, source credit, status, and limitation":"Official current-published body; relevant clauses carry 3-31-22. Two URLs, one document. Full33-page chapter and every later amendment were not audited."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Official current33pagePDF identity0-24; complete000-009169-213;020intro219-228; complete pertinent04/08/09/11-16/22/26/29/34/36/38-40/42-49,235-276,290-315,336-337,351-353,364-408,417-446; complete030-033457-491 and040-041512-519; complete160-164946-1006; complete1701010-1079; complete2101146-1161 and2201165-1174. Printed6-13/23-26/28,I5-12/22-25/27. Not whole chapter,external48-602/605,credit definitions,16CFR425 or later-rulemaking chain; no coordinator pixels.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S010","urls":["https://adminrules.idaho.gov/bulletin/2022/05.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S010","Issuer, title, literal URL":"OARC, Idaho Administrative Bulletin, Vol.22-5, May4,2022 — https://adminrules.idaho.gov/bulletin/2022/05.pdf","Actual read and pinpoint":"Selected official adoption/history text, especially printed p.111, PDF index110, docket04-0000-2100","Edition, source credit, status, and limitation":"Parsed prose records codification of04.02.01 effective3-31-22. The printed p.20 table was located but screenshot failed; no table-only finding is required. Not all140pages read."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"May4,2022Vol22-5identity0-18; selected approval-table context576-591/I14; complete relevant history row815-821/I19 and cumulative-index prose4202-4209/I110,printed111. Supports historical03-31-22 approval/codification,not complete later history. Parsed text only; no table pixel assertion.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S011","urls":["https://adminrules.idaho.gov/legislative_books/2022/pending/22S_StateAffs.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S011","Issuer, title, literal URL":"OARC, 2022 Senate State Affairs Pending Rules Review Book — https://adminrules.idaho.gov/legislative_books/2022/pending/22S_StateAffs.pdf","Actual read and pinpoint":"Selected notice, printed p.5, PDF index4","Edition, source credit, status, and limitation":"Notice dated12-22-2021: adopted as proposed, pending2022legislative review; references proposed publication10-20-2021, Vol.21-10SE pp.471–556. Historical pending status, not itself final effectiveness. Parsed text read; screenshot failed."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S012","urls":["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/"],"researcher_record":{"P5 source ID":"S_ID-P5-S012","Issuer, title, literal URL":"Justia, 2025 §48-602 definitions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/","Actual read and pinpoint":"Complete definitions and displayed history; reliance on trade/services and specifically permitted conduct","Edition, source credit, status, and limitation":"Secondary2025; displayed latest amendment1993ch.102§1p.256. Official current body not recovered."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S013","urls":["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/"],"researcher_record":{"P5 source ID":"S_ID-P5-S013","Issuer, title, literal URL":"Justia, 2025 §48-605 exceptions — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/","Actual read and pinpoint":"Complete exceptions and history","Edition, source credit, status, and limitation":"Secondary2025; displayed addition1971ch.181§6p.847. Incorporated insurance/regulatory dependencies not independently resolved."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S014","urls":["https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1002/"],"researcher_record":{"P5 source ID":"S_ID-P5-S014","Issuer, title, literal URL":"Justia, 2025 §48-1002 definitions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1002/","Actual read and pinpoint":"Complete definitions; particularly business day, solicitation/nexus, and written confirmation","Edition, source credit, status, and limitation":"Secondary2025; added1992ch.27§1p.83; displayed latest amendment2004ch.102§1p.358. §73-108 holiday incorporation unread."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete48-1002(1)-(14),58-94,history97/disclaimer101. Relevant1/2/7/8/9/11/12/14,not actual classification. Incorporated73-108holiday body unread.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S015","urls":["https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1004/"],"researcher_record":{"P5 source ID":"S_ID-P5-S015","Issuer, title, literal URL":"Justia, 2025 §48-1004 — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1004/","Actual read and pinpoint":"Complete (1)–(2), including prescribed notice and goods-return paragraph","Edition, source credit, status, and limitation":"Secondary2025; displayed source1992ch.27§1p.85. No authenticated current official body/effective chain."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete48-1004(1)-(2),58-81,history85/disclaimer88. Full-refund exception,complete prescribed cancellation notice,10businessdaysfromsolicitorreceipt,21daysfromrefundreceipt. No official-current upgrade.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S016","urls":["https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1005/"],"researcher_record":{"P5 source ID":"S_ID-P5-S016","Issuer, title, literal URL":"Justia, 2025 §48-1005 exemptions — https://law.justia.com/codes/idaho/title-48/chapter-10/section-48-1005/","Actual read and pinpoint":"Complete (1)(a)–(i), (2), and history","Edition, source credit, status, and limitation":"Secondary2025; latest displayed amendment1993ch.156§1p.400. Several incorporated securities/FTC definitions remain unread; no exemption application."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete48-1005(1)a-i/(2),58-89,history93/disclaimer96. Exemption specifically1004; actual revocable governmental license distinction and enforcement burden. No external exemption-incorporation or actual license conclusion.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S017","urls":["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/"],"researcher_record":{"P5 source ID":"S_ID-P5-S017","Issuer, title, literal URL":"Justia, 2025 §48-603G — https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-603g/","Actual read and pinpoint":"Complete (1)–(8), including remedy limitation and exclusions","Edition, source credit, status, and limitation":"Added2022ch.193§1p.634; amended2023ch.106§1p.311, as displayed. Agreements entered/renewed on or after1-1-2023 is an application provision, not proof of amendment effective date."},"coordinator_verification_status":"selected_secondary_reproduction_checked_NOT_official_current","coordinator_read_bounds":"2025Justiareproduction complete48-603G(1)-(8),58-86,history89/disclaimer93. Internet renewal term12months;30-60daysbeforegoods/services;should versus shall;no private action;good faith civilpenalty;January1,2023application. No original2022/2023 enacted body or official-current verification.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S018","urls":["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/"],"researcher_record":{"P5 source ID":"S_ID-P5-S018","Issuer, title, literal URL":"Justia, 2025 §28-43-401 — https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/","Actual read and pinpoint":"Complete category definition and exclusions only","Edition, source credit, status, and limitation":"Secondary2025; displayed source1983ch.119§3p.286. Downstream §§402–405 and full credit definitions not read; financing branch held."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S019","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1679/","https://uscode.house.gov/us/usc/119-121/t15/s1679a/","https://uscode.house.gov/us/usc/119-121/t15/s1679c/","https://uscode.house.gov/us/usc/119-121/t15/s1679d/","https://uscode.house.gov/us/usc/119-121/t15/s1679e/","https://uscode.house.gov/us/usc/119-121/t15/s1679f/","https://uscode.house.gov/us/usc/119-121/t15/s1679j/"],"researcher_record":{"P5 source ID":"S_ID-P5-S019","Issuer, title, literal URL":"U.S. House OLRC, Title15 CROA publication:\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679a/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679c/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679d/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679e/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679f/\nhttps://uscode.house.gov/us/usc/119-121/t15/s1679j/","Actual read":"Complete §1679a; complete agreement/disclosure/cancellation/nonwaiver paragraphs in §§1679c–f; complete §1679j; effective/application note under§1679","Version/status and limits":"Official OLRC publication through PL119-121,10-9-2026. Added by PL104-208,9-30-1996, relevant Statutes at Large credits3009-455,457–459,462. Source-stated application after six-month period, with preexisting-contract exception. One underlying code publication; section uses are not independent corroboration."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Complete operative1679a22-49 plus source/reference/effect notes50-64; complete1679c22-56 including entire prescribed statement and separate/retention duties; complete1679d22-45; complete1679e22-36; complete1679f22-39; complete1679j22,all selected source/effective notes and October9PL119121 banners. Original1996adoptedbody/complete incorporations/FCRA/electronic/counting not reopened. Statutory form versus operative business-day wording preserved.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S020","urls":["https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4","https://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6"],"researcher_record":{"P5 source ID":"S_ID-P5-S020","Issuer, title, literal URL":"eCFR,16CFRPart310:\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.2\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.3\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.4\nhttps://www.ecfr.gov/current/title-16/chapter-I/subchapter-C/part-310/section-310.6","Actual read":"Necessary complete definitions; complete material disclosure paragraphs§310.3(a)(1); §310.4(a)(5)(i)–(ii); complete§310.6 exemptions","Version/status and limits":"Authoritative but unofficial eCFR; retrieved current-through10-26-2026, title last-amended10-19-2026. Stable P1 aliases remain S026=.2, S027=.4, S028=.6. No fee overview rerun."},"coordinator_verification_status":"selected_primary_bodies_checked_with_explicit_bounds","coordinator_read_bounds":"Current-throughOctober26/titlewideamendedOctober19 banners. Complete310.3(a)(1)103-120, materialselected(i)-(iii)/(vii)-(viii); complete310.4(a)(5)(i)-(ii)113-131. Relevant complete310.2definitions(j),(n),(o),(t),(w),(x),(y),(ee),(hh),(ii) and catalogue exception124-170; complete310.6(a)-(b)(7)103-128. Not entire .2/.3/.4,FTCActjurisdiction/unread incorporations or all later history. Authoritative but unofficial eCFR,not every clause newly effectiveOctober19.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S021","urls":["https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule"],"researcher_record":{"P5 source ID":"S_ID-P5-S021","Issuer, title, literal URL":"FTC/OFR, Telemarketing Sales Rule,2010finalrule — https://www.federalregister.gov/documents/2010/08/10/2010-19412/telemarketing-sales-rule","Actual read":"Selected action/date paragraphs only","Version/status and limits":"Published8-10-2010; historical stated effective dates9-27-2010, except§310.4(a)(5)10-27-2010. FederalRegister.gov HTML rendition; official printed PDF and complete later amendment chain not read. Not a substitute for S020’s current text."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S022","urls":["https://www.ag.idaho.gov/content/uploads/2018/04/ConsumerProtectionManual.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S022","Issuer, title, literal URL":"Idaho AG, Consumer Protection Manual — https://www.ag.idaho.gov/content/uploads/2018/04/ConsumerProtectionManual.pdf","Actual read":"Selected printed pp.9 and28, PDF indices13 and32; visually inspected","Version/status and limits":"Official generic guidance. Exact edition date not authenticated from the URL. Not operative law; not relied on for a universal cancellation or private-action conclusion."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S023","urls":["https://www.ag.idaho.gov/consumer-protection/telephone-solicitors/"],"researcher_record":{"P5 source ID":"S_ID-P5-S023","Issuer, title, literal URL":"Idaho AG, Telephone Solicitors — https://www.ag.idaho.gov/consumer-protection/telephone-solicitors/","Actual read":"Selected generic legal-instruction paragraphs and public legal locators","Version/status and limits":"Operational/generic guidance; no roster, registrant, actual form, or entity queried."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S024","urls":["https://www.ag.idaho.gov/newsroom/labrador-new-click-to-cancel-law-to-help-idahoans-cancel-online-subscriptions-and-repeat-charges/"],"researcher_record":{"P5 source ID":"S_ID-P5-S024","Issuer, title, literal URL":"Idaho AG, January31,2023subscription announcement — https://www.ag.idaho.gov/newsroom/labrador-new-click-to-cancel-law-to-help-idahoans-cancel-online-subscriptions-and-repeat-charges/","Actual read":"Selected explanatory paragraphs","Version/status and limits":"Historical guidance predating the displayed2023statutory amendment. Not used to override S017’s later reproduced wording."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S025","urls":["https://adminrules.idaho.gov/current-rules/","https://adminrules.idaho.gov/cumulative-index/","https://adminrules.idaho.gov/history-notes/","https://adminrules.idaho.gov/cindex/04.pdf","https://adminrules.idaho.gov/standalone/AbridgedIX.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S025","Issuer, title, literal URL":"Official rule-navigation and index routes:\nhttps://adminrules.idaho.gov/current-rules/\nhttps://adminrules.idaho.gov/cumulative-index/\nhttps://adminrules.idaho.gov/history-notes/\nhttps://adminrules.idaho.gov/cindex/04.pdf\nhttps://adminrules.idaho.gov/standalone/AbridgedIX.pdf","Actual read":"Landing-page technical failures; direct index/active-index routes inaccessible through redirects","Version/status and limits":"Failure/discovery record only. No current cumulative-index body was read; no no-amendment conclusion. The current rule PDF was recovered separately."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"},{"source_id":"S_ID-P5-S026","urls":["https://ag.idaho.gov/content/uploads/2018/05/TelephoneSolicitorRegistrationForm.pdf"],"researcher_record":{"P5 source ID":"S_ID-P5-S026","Issuer, title, literal URL":"Idaho AG, blank telephone-solicitor registration form — https://ag.idaho.gov/content/uploads/2018/05/TelephoneSolicitorRegistrationForm.pdf","Actual read":"Metadata/title surfaced; substantive form not analyzed","Version/status and limits":"Not used as agreement authority, not filled, not treated as an approved contract, and not a provider-registration inquiry."},"coordinator_verification_status":"not_freshly_reopened","coordinator_read_bounds":"No fresh coordinator body check. Researcher reported bounds/status/failure retained; no upgrade or new failure invented.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-28T12:33:29.935321+00:00"}],"coverage":[{"topic":"1: statutory title/chapter and actual clause body","researcher_record":{"User question / subquestion":"1: statutory title/chapter and actual clause body","Status":"Partial","Branches, claims, sources":"B01–B04; C001–C012; S003–S008","Exact missing evidence or next inquiry":"Readable official ICAA bodies and current amendment chain remain unavailable"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: collection agency versus creditor client","researcher_record":{"User question / subquestion":"1: collection agency versus creditor client","Status":"Answered provisionally","Branches, claims, sources":"B01; C003,C005–C006","Exact missing evidence or next inquiry":"Official-current text; incorporated fee-exception statutes if those branches are later relied on"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: debtor–agency incidental-charge form","researcher_record":{"User question / subquestion":"1: debtor–agency incidental-charge form","Status":"Answered provisionally","Branches, claims, sources":"B02; C007; S006","Exact missing evidence or next inquiry":"Official-current text; no actual approved form sought or evaluated"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: counselor/settlement agreement category","researcher_record":{"User question / subquestion":"1: counselor/settlement agreement category","Status":"Answered provisionally","Branches, claims, sources":"B03–B04; C003,C010–C012","Exact missing evidence or next inquiry":"Current official definitions; no universal contract template inferred"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: credit-repair definition exclusions","researcher_record":{"User question / subquestion":"1: credit-repair definition exclusions","Status":"Partial","Branches, claims, sources":"B12; C003,C030","Exact missing evidence or next inquiry":"Incorporated CRA/institutional/affiliate definitions; no actual exclusion determination"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: ICAA exemptions","researcher_record":{"User question / subquestion":"1: ICAA exemptions","Status":"Partial","Branches, claims, sources":"C004; S007","Exact missing evidence or next inquiry":"External incorporated definitions and official-current authentication"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: writing/signature requirements","researcher_record":{"User question / subquestion":"1: writing/signature requirements","Status":"Answered conditionally","Branches, claims, sources":"B01,B02,B07,B12; C005,C007,C016,C032","Exact missing evidence or next inquiry":"Applicable branch must be established; electronic-signature regime remains open"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: copies and delivery","researcher_record":{"User question / subquestion":"1: copies and delivery","Status":"Answered conditionally","Branches, claims, sources":"B07,B08,B12; C016,C021,C033","Exact missing evidence or next inquiry":"Actual delivery facts absent; no universal copy duty inferred from§2229"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: timing and content","researcher_record":{"User question / subquestion":"1: timing and content","Status":"Answered conditionally","Branches, claims, sources":"B05–B13; C013–C037","Exact missing evidence or next inquiry":"Each branch’s predicate and unread incorporations remain"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: notice recipient/method","researcher_record":{"User question / subquestion":"1: notice recipient/method","Status":"Answered in specified branches; otherwise held","Branches, claims, sources":"C012,C017,C022,C033","Exact missing evidence or next inquiry":"§2229does not state method; electronic equivalence not evaluated"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"1: cancellation/termination consequences","researcher_record":{"User question / subquestion":"1: cancellation/termination consequences","Status":"Partial","Branches, claims, sources":"C010–C012,C018,C022,C026,C034,C037","Exact missing evidence or next inquiry":"Provider termination/default and actual contract consequences not adjudicated"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: official operative ICAA recovery","researcher_record":{"User question / subquestion":"2: official operative ICAA recovery","Status":"Unresolved","Branches, claims, sources":"C001; S001–S008","Exact missing evidence or next inquiry":"Ordinary readable official code or enacted chain"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: official consumer-protection rule body","researcher_record":{"User question / subquestion":"2: official consumer-protection rule body","Status":"Recovered with limits","Branches, claims, sources":"C002; S009","Exact missing evidence or next inquiry":"Current cumulative index unavailable; no exhaustive later-rulemaking audit"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: rule adoption/effectiveness","researcher_record":{"User question / subquestion":"2: rule adoption/effectiveness","Status":"Historical chain partially authenticated","Branches, claims, sources":"S010–S011","Exact missing evidence or next inquiry":"Proposed fulltext and every later amendment not reconstructed; final historical prose was read"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: statutory source credit","researcher_record":{"User question / subquestion":"2: statutory source credit","Status":"Recorded, secondary","Branches, claims, sources":"S003–S008,S012–S018","Exact missing evidence or next inquiry":"Displayed source credits are not official session-law authentication"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: federal edition/currency","researcher_record":{"User question / subquestion":"2: federal edition/currency","Status":"Recorded","Branches, claims, sources":"S019–S021","Exact missing evidence or next inquiry":"OLRC/eCFR stated through-dates preserved; no claim beyond them"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2: failed-source handling","researcher_record":{"User question / subquestion":"2: failed-source handling","Status":"Completed","Branches, claims, sources":"S002,S025; read/failure log","Exact missing evidence or next inquiry":"No repeated variant attempts or absence-of-law inference"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: mandatory content versus discretion","researcher_record":{"User question / subquestion":"3: mandatory content versus discretion","Status":"Answered conditionally","Branches, claims, sources":"C005–C009,C013–C016,C021,C024,C031–C032","Exact missing evidence or next inquiry":"Contract discretion is not permission to waive governing requirements"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: cancellation versus completion/default","researcher_record":{"User question / subquestion":"3: cancellation versus completion/default","Status":"Partial","Branches, claims, sources":"C010–C012","Exact missing evidence or next inquiry":"§2229does not define all events or equate provider termination with debtor cancellation"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: earned fee versus unspent funds","researcher_record":{"User question / subquestion":"3: earned fee versus unspent funds","Status":"Distinction preserved","Branches, claims, sources":"C010–C012,C018,C037","Exact missing evidence or next inquiry":"No funds-ledger or fee-earning rerun; separate authority needed for actual deduction"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: association/allocation","researcher_record":{"User question / subquestion":"3: association/allocation","Status":"Unresolved detail retained","Branches, claims, sources":"C011","Exact missing evidence or next inquiry":"No method prescribed in§2229paragraph; no actual agreement or allocation examined"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: missing refund deadline","researcher_record":{"User question / subquestion":"3: missing refund deadline","Status":"Narrowed, not universally closed","Branches, claims, sources":"C012,C018,C022,C034,C037","Exact missing evidence or next inquiry":"Conditional channel rules supply deadlines; ordinary§2229deadline still not established"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3: legal effect/private action","researcher_record":{"User question / subquestion":"3: legal effect/private action","Status":"Narrowly answered","Branches, claims, sources":"C026,C034","Exact missing evidence or next inquiry":"Only express§48-603GandCROAconsequences stated; full remedies/standing analysis excluded"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"4: CROA indispensable paragraphs","researcher_record":{"User question / subquestion":"4: CROA indispensable paragraphs","Status":"Read with applicability holds","Branches, claims, sources":"B12; C030–C034; S019","Exact missing evidence or next inquiry":"Incorporated exclusions, counting implementation, and electronic delivery remain held"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"4: TSR indispensable paragraphs","researcher_record":{"User question / subquestion":"4: TSR indispensable paragraphs","Status":"Read with applicability holds","Branches, claims, sources":"B13; C035–C037; S020","Exact missing evidence or next inquiry":"Actual jurisdiction/channel/customer/creditor predicates not determined"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"4: no substitution of federal account duty","researcher_record":{"User question / subquestion":"4: no substitution of federal account duty","Status":"Preserved","Branches, claims, sources":"C037–C038","Exact missing evidence or next inquiry":"Federal7-business-dayclause is not Idaho law"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"4: other electronic/financing regimes","researcher_record":{"User question / subquestion":"4: other electronic/financing regimes","Status":"Held","Branches, claims, sources":"B11; C029,C033","Exact missing evidence or next inquiry":"E-SIGN,UETA,fullUCCC,holder-ruleincorporations not completed"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5: old/new comparison","researcher_record":{"User question / subquestion":"5: old/new comparison","Status":"Completed for supplied rows","Branches, claims, sources":"C040; Section10","Exact missing evidence or next inquiry":"Original raw text and model/source provenance untouched"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5: source and claim registers","researcher_record":{"User question / subquestion":"5: source and claim registers","Status":"Completed for relied-on findings","Branches, claims, sources":"Sections7–8","Exact missing evidence or next inquiry":"Failed/discovery materials expressly separated"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5: quantities/events/unknowns","researcher_record":{"User question / subquestion":"5: quantities/events/unknowns","Status":"Completed","Branches, claims, sources":"Section9","Exact missing evidence or next inquiry":"No actual calendar or hypothetical customer event"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5: blank worksheet","researcher_record":{"User question / subquestion":"5: blank worksheet","Status":"Completed","Branches, claims, sources":"Section11","Exact missing evidence or next inquiry":"No values, identities, promises, or approved clauses inserted"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5: read/failure and selfcheck","researcher_record":{"User question / subquestion":"5: read/failure and selfcheck","Status":"Completed","Branches, claims, sources":"Sections13–14","Exact missing evidence or next inquiry":"No independent-review claim"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"C033","researcher_record":{"User question / subquestion":"C033","Status":"Open","Branches, claims, sources":"Prior hold","Exact missing evidence or next inquiry":"Exact current NMLS company checklist/renewal evidence"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"C035","researcher_record":{"User question / subquestion":"C035","Status":"Open","Branches, claims, sources":"Prior hold plus P5statutory dependencies","Exact missing evidence or next inquiry":"Official current statutes and complete relevant amendment comparison"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Other Idaho dimensions","researcher_record":{"User question / subquestion":"Other Idaho dimensions","Status":"Excluded","Branches, claims, sources":"All broader prior holds","Exact missing evidence or next inquiry":"Bonds, full remedies/enforcement/litigation, secured/sector/local/tribal law, actual permission/application remain required"},"raw_table_index":10,"coordinator_acceptance":"scoped_review_complete_official_statute_currency_incorporation_channel_application_parent_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_ID-P05-agreements-conditional-channels-currency-holds-20261028","status":"reviewed_with_source_currency_and_application_holds","at":"2026-10-28T12:33:29.935321+00:00"}]}