{"meta":{"key":"s_id--pass-09","task":"S_ID","title":"SID Idaho personal-property secured-debt possession, disposition, redemption, surplus, and deficiency","parent_title":"Idaho debt and debt relief law","edition":"pass-09","path":"/research/s_id--pass-09/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":27,"claims":60,"sources":15,"review_status":"reviewed_targeted_correction_resolved_official_currentness_and_application_held","review_complete":true,"sha256":"07579689b8e1bfef9b2d371e483f3b0009a1c424df910a74c5de8a0e29618725","headings":["Principal findings","1.1 Different legal questions must remain separate","1.2 Roles and consumer categories","1.3 Scope, exclusions, and leases","1.4 Attachment, description, and title","2.1 Other consumer law can control","2.2 Default and insecurity clauses","2.3 Nonwaiver and agreed standards","2.4 Judicial versus nonjudicial possession","Generic judicial route—not a filing guide","2.5 Duties while holding collateral","4.1 Collection differs from disposition","4.2 Commercial reasonableness and purchase","4.3 Notice recipients and timing","4.4 Contents and communication events","4.5 Proceeds, lawful expenses, surplus, and deficiency","4.6 Consumer-goods explanation after disposition","4.7 Transferees and title paperwork","5.1 Redemption is not merely curing missed installments","5.2 Post-default waiver is right-specific","5.3 Acceptance in satisfaction is not automatic retention","5.4 Consumer-goods compulsory disposition","6.1 Idaho’s reproduced § 28-9-626","Source-stated symbolic relation","6.2 Narrow consumer-sale deficiency prohibition","6.3 Remedial and proof limitations","S001 — fresh official and material access failures","S002 — official IDOF statutory locator","S003 — Article 9 scope, definitions, attachment, and related predicates","S004 — Article 9, Part 6 default provisions","S005 — general UCC definitions and principles","S006 — Idaho Credit Code","S007 — Title Loan Act","S008 — generic claim-and-delivery statutes","S009 — vehicle-title statutory boundary","S010 — official court rule","S011 — official title instructions and blank form","S012 — official historical title-lending guidance","S013 — Article 9 transition provisions","S014 — official historical Article 9 enactment lead","S015 — 2026 amendment lead and status","Actual search and reading scope","PDF inspection record","Additional limits preserved"],"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-09","facets":{"geography":["us","us-id"],"debt_type":[],"stage":["repossession"],"subject":["foreclosure-repossession"]},"scope":"Independent personal-property possession/disposition/redemption/deficiency part of dimension6","pending_corrections":0},"markdown":"# S_ID PASS-09 — Idaho personal-property secured-debt possession, disposition, redemption, surplus, and deficiency\n\n**Fresh public-source access date:** **October 28, 2026, America/Los_Angeles.**\n\n**Scope:** Generic enforcement of personal-property security interests, including the materially relevant vehicle, regulated-consumer-credit, and title-loan branches. This is not a determination about any actual security interest, agreement, asset, default, notice, repossession, sale, or deficiency.\n\n**Evidence disposition:** The official Idaho statutory routes attempted in this pass did not yield readable operative bodies. The principal statutory findings below are therefore **provisional readings of the identified 2025 Idaho Code reproductions**. Official court-rule text, official vehicle-title instructions and a blank form, an official historical title-lending bulletin, and a selected official historical rulemaking notice were recovered. Those sources do not authenticate the current operative statutes.\n\nEarlier raw reports, provenance, C033/C035, and all unrelated holds remain unchanged. No prior substantive finding was used to establish collateral-enforcement law.\n\n## Principal findings\n\nThe reproduced Idaho text contains several important distinctions that must not be replaced with assumptions about uniform legislation:\n\n1. **Section 28-9-612(b)’s ten-day notification rule does not contain a nonconsumer limitation.** It remains a timeliness safe harbor, not a universal repossession waiting period or a substitute for required notice contents and recipients. **[C026.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-612/)\n2. **Section 28-9-626 does not contain an express consumer-transaction exclusion or a provision reserving consumer deficiency consequences to judicial determination.** Its reproduced burden and rebuttable-presumption rules therefore cannot be described as textually “nonconsumer only.” Current official authentication, special consumer statutes, and judicial construction remain separate limitations. **[C042–C044.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-626/)\n3. **The reproduced acceptance provision, § 28-9-620, does not expressly prohibit partial acceptance in consumer transactions.** Partial acceptance nevertheless requires post-default authenticated consent and the other statutory conditions. Consumer-goods compulsory-disposition and redemption-waiver restrictions remain material. This is not approval of any acceptance arrangement. **[C038–C041.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-620/)\n4. **Regulated consumer credit and title loans have additional restrictions.** These include limits on contractual default, restrictions on nonjudicial possession, a narrow small-sale deficiency rule, and a title-loan cure-notice/limited-recourse regime. A title lender’s prohibition on buying its own collateral is stricter than Article 9’s general secured-party purchase rule. **[C010–C016, C020–C022, C045.]** [Justia Law+4](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/)\n\nThese findings are **conditional statutory readings**, not operational permission or a completed current-law certification.\n\n# 1. Framework, categories, and enforceability predicates\n\n## 1.1 Different legal questions must remain separate\n\n| Question | Supported statutory distinction | What is not established |\n| --- | --- | --- |\n| Is there an obligation? | An obligation and its enforceability are distinct from the remedies available against collateral. | No actual debt or contract validity. |\n| Is there a security interest? | Article 1 defines the interest; Article 9 applies to the described consensual security transactions regardless of form. | Ownership of goods alone is not a security agreement. |\n| Has it attached? | Section 28-9-203 requires value, the debtor’s rights or power to transfer rights, and an applicable evidentiary/formal condition. | A financing statement or title notation alone does not prove attachment. |\n| Is it perfected? | Section 28-9-308 separates attachment from completion of the applicable perfection steps. | Perfection and priority were not fully investigated. |\n| Who holds title? | Section 28-9-202 generally makes title location immaterial to Article 9’s application. | Title does not eliminate enforceability or default predicates. |\n| Has default occurred? | Article 9 remedies operate after default; other law can restrict what constitutes enforceable default. | A contractual label, insecurity assertion, or missed-event description is not adjudicated. |\n| May possession be obtained? | Judicial process and nonjudicial possession have different requirements. | No entry, force, or repossession tactic is approved. |\n| May a deficiency be collected? | Disposition compliance, proceeds application, proof rules, and special consumer restrictions matter. | A subtraction does not establish an enforceable deficiency. |\n\n**[C002–C012; S003–S006.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-201/)\n\n## 1.2 Roles and consumer categories\n\nThe necessary definitions were read from § 28-9-102. They are not interchangeable:\n\n| Category | Material distinction |\n| --- | --- |\n| **Debtor** | Generally the person with an interest in collateral, other than the specified lien/security interest, whether or not that person owes the obligation. |\n| **Obligor** | A person owing payment or performance, whose property other than the collateral secures it, or otherwise accountable under the definition. |\n| **Secondary obligor** | The defined secondary/subrogation relationship; not every person associated with the debtor. |\n| **Secured party** | Includes the described holder of a security interest and other persons within the statutory definition. |\n| **Consumer goods** | Goods used or bought primarily for personal, family, or household purposes. |\n| **Consumer transaction** | The defined individual-consumer obligation and personal/family/household collateral-interest arrangement. |\n| **Consumer-goods transaction** | A consumer-purpose secured obligation with a security interest in consumer goods. |\n| **Consumer debtor / consumer obligor** | Distinct defined actors tied to the relevant consumer transaction or obligation. |\n| **Purchase-money security interest** | Depends on the purchase-money obligation and collateral relationship in § 28-9-103, not merely the presence of a vehicle. |\n\nThe **collateral category** controls some provisions, while the **transaction category** controls others. For example, § 28-9-611’s additional-recipient branch turns on collateral being **other than consumer goods**, whereas § 28-9-614’s enhanced notice contents turn on a **consumer-goods transaction**. **[C002–C004.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-102/)\n\n## 1.3 Scope, exclusions, and leases\n\nSection 28-9-109 covers the specified consensual security interests in personal property and fixtures and certain other transactions, including specified receivables sales and consignments. Its federal-law, governmental, foreign-law, and enumerated exclusions must be respected. The exclusions include particular liens, wage assignments, insurance interests, judgments, real-property interests, and specified tort/structured-settlement matters, with exceptions within those clauses. The detailed structured-settlement approval regime was not completed because it is outside this component. **[C003; S003.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-109/)\n\nSection 28-1-203 distinguishes a true lease from a security interest through the transaction’s facts, nonterminability, economic-life and ownership-option conditions, and its express “not merely because” qualifications. The relevant economic predictions are assessed at transaction inception. No lease is reclassified here, and Article 2A remedies are not completed. **[C005.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/)\n\n## 1.4 Attachment, description, and title\n\nThe ordinary authenticated-agreement branch of § 28-9-203 requires an authenticated security agreement describing the collateral, alongside value and the debtor’s rights or transfer power. Possession, delivery, or control alternatives have their own collateral-specific cross-references; their entire external regimes are not completed.\n\nSection 28-9-108 generally permits descriptions reasonably identifying the collateral. A supergeneric description such as all assets is insufficient under that provision, and a type-only description of consumer goods is insufficient in the specified consumer-transaction branch. **[C006–C007.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-203/)\n\nFor vehicles, §§ 28-9-311 and 49-510 identify title-law perfection requirements and exceptions. Sections 49-504 and 49-505 were not fully read; therefore, no actual perfection or priority conclusion follows. Section 49-514’s title-transfer process likewise depends on proof and existing-interest conditions. **[C008.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-9/part-3/section-28-9-311/)\n\n# 2. Default, mandatory protections, and possession\n\n## 2.1 Other consumer law can control\n\nSection 28-9-201 preserves applicable consumer laws and makes them controlling in a conflict within its terms. Article 9 does not itself legalize a charge or practice prohibited elsewhere. **[C009.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-201/)\n\nFor the Idaho Credit Code branch, §§ 28-41-201, 28-41-202, 28-41-301, and 28-45-102 require transaction, purpose, exclusion, and territorial analysis. Section 28-41-201(3) addresses Idaho proceedings enforcing specified regulated-credit rights regardless of where the transaction was made. Other subsections contain residence, solicitation, physical-presence, and choice-of-law conditions. This is not a complete interstate, tribal, or conflicts determination. **[C010, C056.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/)\n\n## 2.2 Default and insecurity clauses\n\n| Regime | Rule actually read | Important distinction |\n| --- | --- | --- |\n| General UCC | Section 28-1-304 imposes good faith in performance and enforcement. Section 28-1-309 restricts the specified “at will” or insecurity acceleration/power clause to a good-faith belief that payment or performance is impaired. | Section 1-309 places its stated lack-of-good-faith burden on the person against whom the power is exercised. |\n| Regulated consumer credit | Section 28-45-107 permits contractual default only for required-payment failure or significant impairment of payment, performance, or realization of collateral. | The creditor bears the statutory burden of establishing significant impairment. |\n| Unconscionability | Section 28-45-106 provides the stated court scrutiny and opportunity to present context. | No actual clause is declared unconscionable; statutory permission alone is not treated as unconscionable. |\n\n**[C011–C012; S005–S006.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-304/)\n\n## 2.3 Nonwaiver and agreed standards\n\nSection 28-9-602 identifies protected duties and debtor/obligor rights that generally cannot be waived or varied, including specified care, collection, disposition, accounting, acceptance, redemption, and remedial provisions, subject to § 28-9-624.\n\nSection 28-9-603 permits agreed performance standards only when not manifestly unreasonable. It expressly excludes contractual definition of compliance with the duty not to breach the peace. These provisions do not make every post-default agreement valid. **[C013–C014.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-602/)\n\nThe Idaho Credit Code separately limits waiver and permits only its stated settlement-related exceptions. Those provisions were read without evaluating an agreement. **[C013; S006 § 28-41-106.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/)\n\n## 2.4 Judicial versus nonjudicial possession\n\nSection 28-9-609 permits possession after default through judicial process or without judicial process **only without breach of the peace**. Its assembly provision depends on agreement and a location reasonably convenient to both parties. The equipment-related clause was read but is not converted into tactical instructions. **[C015.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-609/)\n\nFor a regulated consumer-credit transaction, § 28-45-108 adds the express **no dwelling entry, no force, and no other breach-of-peace** conditions for nonjudicial possession, apart from its voluntary-surrender branch. “Breach of the peace” remains an unresolved construction standard, not a completed factual test. **[C016.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-108/)\n\n### Generic judicial route—not a filing guide\n\n| Provision | Legal boundary established |\n| --- | --- |\n| Rule 64 | The provisional remedy is available only under governing law and circumstances; the rule does not itself establish entitlement. |\n| § 8-301 | Claim-and-delivery is a distinct personal-property recovery procedure. |\n| § 8-302(1)–(2) | Verified showing of ownership/right to possession and wrongful detention; ordinary notice and opportunity to oppose. |\n| § 8-302(3)–(5) | Prehearing possession requires a stated probable-cause ground; protective orders and a preliminary entitlement determination are distinct from final adjudication. |\n| §§ 8-303, 8-306 | Undertakings and stay/redelivery mechanisms have separate conditions. |\n| § 8-307 | Surety objections and justification have their own procedure; incorporated civil-arrest qualification rules remain unread. |\n| § 8-312 | Requested priority in setting possession proceedings, subject to other statutory priority. |\n\nThe statute’s larceny incorporation was not read, and no emergency, danger, ownership, or wrongful-detention predicate is assumed. **[C017.]** [Idaho Supreme Court+4](https://isc.idaho.gov/rules-procedure/ircp)\n\n## 2.5 Duties while holding collateral\n\nSection 28-9-207 requires reasonable care in custody and preservation. It also addresses reasonable expenses, risk allocation, identification of collateral, permitted use, and application of money received. Special receivables-buyer/consignor qualifications remain distinct. Possession does not establish ownership free of the debtor’s rights. **[C018.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-207/)\n\nSection 28-9-210 supplies a separate authenticated request mechanism for accounting, collateral lists, and statements of account, with response, former-interest, free-response, and charge conditions. It is not the post-disposition consumer explanation under § 28-9-616. **[C019.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-210/)\n\n# 3. Vehicle title-loan branch: narrower than “a loan secured by a vehicle”\n\nA title loan under § 28-46-502 is the specified **consumer-purpose, nonpurchase-money** loan secured by titled personal property, scheduled as a single installment or installments that are not fully amortized. “Titled personal property” excludes the listed motor-home, mobile-home, and manufactured-home categories. The statute incorporates the Credit Code and Article 9 except as its special provisions provide. **[C020.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-502/)\n\nSection 28-46-509 exempts the identified licensed/chartered institutions, employees and agents, and qualifying wholly owned subsidiaries regularly examined for consumer compliance. No institution or exemption is classified here. **[C020.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-509/)\n\n| Issue | Reproduced special rule |\n| --- | --- |\n| Cure notice | Before exercising default rights, lender mails notice to the debtor’s last address in its file. |\n| Cure period | Ten days **from the date of the notice**. |\n| Voluntary surrender | The stated cure-notice obligation does not apply. |\n| After possession | No further finance charges may be assessed. |\n| Expenses | Reasonable collection/enforcement expenses only as authorized by Article 9. |\n| Recourse | Limited to taking possession and disposition, except the specified prevented-repossession, damage/waste, or fraud circumstances. |\n| Waiver | No acceptance of a waiver of the protected rights. |\n| Purchase by lender | Prohibited for the property securing that lender’s title loan. |\n| Title and additional security | Clear-title, care, prohibited additional guaranty, and stated lien-consequence provisions remain material. |\n\n**[C021–C022; S007 §§ 507–508.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-507/)\n\nThe official June 15, 2006 IDOF bulletin corroborates the historical cure and recourse framework, but it is archived guidance, not current operative text. Original 2006 and 2013 enacted bodies were not recovered. **[C053.]** [Department of Finance+1](https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/archive/documents/TitleLending.pdf)\n\nNo general Article 9 right to reinstate by paying arrears, nor a universal ten-day pre-possession period, was established. Cure, redemption, voluntary surrender, and acceptance in satisfaction are different legal events.\n\n# 4. Collection and disposition safeguards\n\n## 4.1 Collection differs from disposition\n\nSection 28-9-607 concerns collection/enforcement against account debtors and other persons obligated on collateral, when agreed and in any event after default. It imposes the stated commercially reasonable collection duty in recourse/chargeback circumstances and does not itself determine another obligor’s duty to the secured party.\n\nSection 28-9-608 governs application of that collection. It is not a substitute for §§ 28-9-610–615 when tangible collateral is disposed of. Deposit-account and mortgage subbranches were read only to identify limits and are not applied here. **[C029.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-607/)\n\n## 4.2 Commercial reasonableness and purchase\n\nEvery aspect of a § 28-9-610 disposition—method, manner, time, place, and terms—must be commercially reasonable. Public/private disposition, sale/lease/license, units/parcels, present condition or reasonable preparation are statutory alternatives, not findings that a chosen method is reasonable. **[C023.]**\n\nA secured party’s purchase is allowed at a public disposition, or at a private disposition only within the stated recognized-market or widely distributed standard-price-quotation condition. The title-loan prohibition remains a separate stricter rule. Warranty and disclaimer provisions do not cure a defective enforcement process. **[C024.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-610/)\n\nSection 28-9-627 says a higher obtainable price alone does not establish unreasonableness. Recognized-market methods, current market price, customary dealer practices, or the specified approvals can establish reasonableness under their conditions. Approval is not universally required. Neither “recognized market” nor commercially reasonable conduct is resolved for any asset. **[C048.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-627/)\n\n## 4.3 Notice recipients and timing\n\n| Topic | Exact distinction |\n| --- | --- |\n| Basic recipients | Debtor and secondary obligor. |\n| Additional recipients | When collateral is **other than consumer goods**, specified interest claimants and filed/titled secured parties or lienholders. |\n| Notification date | Statutory earlier-of sending to debtor/secondary obligor or their waiver. |\n| Exceptions | Perishable collateral, speedy decline in value, or a type customarily sold on a recognized market. |\n| Filing-search alternative | Limited compliance mechanism for the specified filed-interest-recipient branch; not a waiver of all notice duties. |\n| Timeliness | Reasonableness is ordinarily a fact question; § 28-9-612(b) supplies its ten-day post-default safe harbor. |\n\n**[C025–C026; S004 §§ 611–612.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-611/)\n\n**Important Idaho-text qualification:** The complete reproduced § 28-9-612 has no “other than a consumer transaction” limitation. It should not be reported as a nonconsumer-only safe harbor. Conversely, a notice sent fewer than ten days before disposition is not declared automatically reasonable or automatically invalid by this reading; subsection (a) remains a fact question.\n\n## 4.4 Contents and communication events\n\n| Notice category | Required content structure |\n| --- | --- |\n| Other than a consumer-goods transaction, § 28-9-613 | Debtor/secured-party identification; collateral; intended disposition method; entitlement to an accounting and any charge; public-disposition time/place or time after which another disposition occurs. |\n| Consumer-goods transaction, § 28-9-614 | Section 613 content plus deficiency-liability description, redemption-information telephone number, and contact information for additional transaction/disposition information. |\n| Form and errors | Each provision has its own sufficiency and error rules. Section 613’s treatment is not automatically transferred to § 614. |\n| Sending versus receipt | Article 9’s “send,” “authenticate,” and “record” definitions and Article 1’s notice/receipt provisions remain distinct. |\n| Prescribed blank forms | Statutory forms may satisfy their stated content safe harbor; they do not establish a valid security interest, default, correct recipients, timely sending, or reasonable disposition. |\n\n**[C027–C028.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-613/)\n\nNo form was filled. Electronic-signature, delivery-system, receipt, and organizational-knowledge questions are not decided for an actual communication.\n\n## 4.5 Proceeds, lawful expenses, surplus, and deficiency\n\nSection 28-9-615 applies **cash proceeds**, in order, to reasonable disposition-related expenses and qualifying legal expenses; the enforced secured obligation; qualifying subordinate demands; and the stated consignor branch. Proof-of-interest and demand-timing conditions matter. Noncash proceeds require application only under the stated agreement/commercial-reasonableness conditions.\n\nThe debtor is entitled to the applicable surplus; the obligor’s deficiency liability remains subject to compliance, defenses, other law, and the special sale exceptions. Outright receivables-sale transactions have their own no-surplus/no-deficiency qualification. **[C030.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-615/)\n\nWhere the buyer is the secured party, a related person, or secondary obligor and the price is significantly below the relevant complying-disposition range, § 28-9-615(f) uses the hypothetical complying proceeds for the deficiency/surplus calculation. This is not an assumed fair-market-value credit in every disposition. **[C031.]**\n\nA lawful application order must be established before any symbolic remainder can be described as a possible deficiency. **Gross proceeds minus a stated balance is not the statutory analysis.**\n\n## 4.6 Consumer-goods explanation after disposition\n\nSection 28-9-616 requires the specified writing in a consumer-goods transaction before or with payment/accounting of surplus or the first written deficiency demand, and in response to the defined post-disposition request. A qualifying deficiency waiver is an alternative response in its stated branch.\n\nThe explanation must identify the amount, ordered computation, possible future adjustments, and an information contact. Its chronology and response quantities are recorded in Section 10 below. Minor errors have the statute’s own misleadingness qualification. **[C032.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-616/)\n\n## 4.7 Transferees and title paperwork\n\nSection 28-9-617 specifies the rights transferred by disposition and discharge of the enforced and subordinate interests. Good-faith transferee protection can operate despite secured-party noncompliance; without it, the stated interests remain. No purchaser or good-faith status is supplied. **[C033.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-617/)\n\nSection 28-9-619 permits the defined transfer statement for title/record purposes, but **title transfer alone is not a disposition and does not discharge the secured party’s Article 9 duties**. The official ITD blank affidavit likewise requests certification of lawful repossession; it does not adjudicate that lawfulness. **[C034.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-619/)\n\nA transfer or subrogation to a secondary obligor under § 28-9-618 is not itself a disposition. Its stated succession and future-duty consequences must be kept separate from sale and acceptance. **[C035.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-618/)\n\n# 5. Redemption, waiver, acceptance, and compulsory disposition\n\n## 5.1 Redemption is not merely curing missed installments\n\nSection 28-9-623 gives the identified debtor, secondary obligor, and other secured party/lienholder the right to redeem through tender of fulfillment of **all secured obligations** plus the specified reasonable expenses and qualifying legal expenses.\n\nThe right ends at the first applicable statutory event: collection under § 607; disposition or a contract for disposition under § 610; or acceptance under § 622. No source-supported ordinary “pay arrears and automatically reinstate” right is inferred. **[C036.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-623/)\n\n## 5.2 Post-default waiver is right-specific\n\n| Right | Reproduced § 28-9-624 condition |\n| --- | --- |\n| Disposition notification | Debtor or secondary obligor may waive only by authenticated agreement entered after default. |\n| Compulsory disposition under § 620(e) | Debtor may waive only by authenticated post-default agreement. |\n| Redemption | Post-default authenticated waiver is permitted **except in a consumer-goods transaction**. |\n\nThese are exceptions to the general nonwaiver structure, not permission for a blanket original-contract waiver. **[C037.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-624/)\n\n## 5.3 Acceptance in satisfaction is not automatic retention\n\n| Acceptance issue | Source-stated requirement |\n| --- | --- |\n| Partial satisfaction | Debtor’s authenticated agreement after default. |\n| Full satisfaction | Authenticated post-default agreement, or the specified full-satisfaction proposal/no-timely-objection route. |\n| Secured-party assent | Authenticated consent or proposal, plus all § 620(a) conditions. |\n| Other interests | Required proposals and timely objections under §§ 620–621 must be respected. |\n| Compulsory disposition | Acceptance cannot bypass § 620(e) unless its waiver condition is met. |\n| Effect | Accepted obligation discharged to the consented extent; specified collateral interests discharged under § 622. |\n\n**[C038–C041.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-620/)\n\nThe reproduced § 28-9-620 contains no categorical consumer prohibition on partial acceptance. That textual observation does not resolve special consumer-credit law, title-loan restrictions, current official wording, or validity of consent.\n\n## 5.4 Consumer-goods compulsory disposition\n\nIf possession has been taken and the relevant **60% threshold** is met, § 28-9-620(e) requires disposition:\n\n- Purchase-money consumer goods: percentage of **cash price**.\n- Nonpurchase-money consumer goods: percentage of **principal amount of the secured obligation**.\n\nDisposition must occur within **ninety days after possession**, unless the debtor and **all secondary obligors** authenticate a post-default agreement allowing a longer period, or the separate statutory waiver applies. The two bases must not be substituted for each other. **[C040.]**\n\n# 6. Deficiency consequences, special consumer restrictions, and remedies\n\n## 6.1 Idaho’s reproduced § 28-9-626\n\nThe rule applies, in its reproduced wording, to an action arising from a transaction in which a deficiency or surplus is in issue. It contains no express consumer carveout.\n\nCompliance need not initially be proved unless the debtor or secondary obligor places it in issue. Once challenged, the secured party bears the statutory compliance burden. If compliance is not proved, the deficiency is limited using actual versus complying hypothetical proceeds; hypothetical proceeds are presumed to equal the secured obligation plus permitted expenses and attorney fees unless the secured party proves less. Section 628 remains an express qualification. **[C042–C044.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-626/)\n\n### Source-stated symbolic relation\n\nLet:\n\n- TTT = the legally established secured obligation, expenses, and attorney fees included by the statute;\n- AAA = actual proceeds;\n- HHH = proceeds of a complying collection, enforcement, disposition, or acceptance.\n\nThe stated limitation uses:\n\nT−max⁡(A,H)T-\\max(A,H)T−max(A,H)with the statutory presumption H=TH=TH=T, unless the secured party proves a smaller HHH.\n\nThis relation does not create liability, validate expenses, or override a rule prohibiting a deficiency. It is not a completed debt calculation.\n\nFor the separate § 615(f) related-purchaser adjustment, § 626(e) assigns the specified significantly-low-price burden to the debtor or obligor.\n\n## 6.2 Narrow consumer-sale deficiency prohibition\n\nSection 28-45-103 applies to a **regulated consumer credit sale of goods or services**. Its repossession/surrender branches use a **cash-price ceiling of $1,000 or less**. Where the exact conditions are met, the buyer is not personally liable for the described unpaid sale balance. One branch also says the seller need not resell. Wrongful collateral damage and wrongful failure to make collateral available after default and demand have separate consequences. Obtaining a debt judgment in the stated no-deficiency circumstances bars the specified later repossession/execution against the collateral. **[C045.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-103/)\n\nThe threshold is not loan principal, sale proceeds, or current collateral value. It is not a universal rule for all consumer loans or all vehicles. Current official amount authentication remains held.\n\nSection 28-43-303 supplies the referenced allocation rules for consolidated/open-end debts, including the specified first-in ordering and same-day rule. Section 28-43-302’s cross-collateral conditions were also read. No allocation or security-interest validity is determined here. **[C046.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/)\n\n## 6.3 Remedial and proof limitations\n\n| Provision | Consequence actually supplied | Qualification |\n| --- | --- | --- |\n| § 28-9-625(a)–(b) | Court restraint/order and causally resulting damages | No actual violation or loss adjudicated |\n| § 28-9-625(c)(2) | Consumer-goods minimum-recovery formula | Applies to the stated actors, failure, and collateral category; subject to § 628 |\n| § 28-9-625(d) | Coordinates deficiency reduction/elimination and damages; preserves lost-surplus recovery | No double-recovery inference |\n| § 28-9-625(e) | Reproduced **$100** amounts for two specified filing/termination failures | Not a general repossession penalty; §§ 509/513 filing merits remain outside scope |\n| § 28-9-625(f) | Consequence of certain collateral-list/account-statement failures against a reasonably misled person | Not every unanswered communication |\n| § 28-9-628 | Knowledge, reasonable purpose-representation reliance, and specified liability limits | No actual knowledge, reasonable reliance, or defense established |\n\n**[C047–C049.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-625/)\n\nThe reproduced consumer-goods minimum is the applicable credit-service-charge-plus-10%-of-principal or time-price-differential-plus-10%-of-cash-price relation. No amount is computed. Section 628 excludes a § 616 failure from that particular minimum-damages provision and limits that recovery to once per secured obligation.\n\n# 7. Enactment, transition, and currentness findings\n\n| Evidence | What was authenticated | What remains unverified |\n| --- | --- | --- |\n| 2025 Idaho reproductions | Complete or specified operative wording and displayed history | Official current 2026 bodies and full amendment chain |\n| 2001 Article 9 history | Reproductions credit 2001 ch.208 §2; official 2002 bulletin identifies H.B.205 as the revised-Article-9 enactment | Original adopted H.B.205 body and effective/application clause |\n| § 28-9-702 | Savings/application text for preexisting transactions and previously commenced proceedings | Exact operative original effective date; dependent §§703–709 |\n| 2012 transition | § 28-9-801 is reproduced as reserved; § 28-9-802 supplies its stated prior-transaction/action savings | Original 2012 ch.145 effective/application clauses; §802 page returned a 2024 edition |\n| 2006 title-loan history | Official IDOF bulletin dated June15,2006 describes July1 rollout | Original adopted act and full later amendment chain |\n| 2026 H0750 lead | Secondary legislative-status page reports returned from Senate failed on March31,2026 | Official bill PDF failed; no adopted amendment inferred; not an exhaustive 2026 audit |\n| Official Rule64 | Current-published operative rule and displayed adoption/effective footer | Original court order and complete later rule history |\n| ITD blank form | Current-publicly-hosted generic affidavit, printed revision10/23 | No proof of an actual lawful repossession or approved agreement |\n\n**[C050–C054.]** [Idaho Administrative Rules+5](https://adminrules.idaho.gov/bulletin/2002/01.pdf)\n\nThe 2026 bill lead is **not** treated as current or future-effective law. A search miss is not proof that no other change exists.\n\n# 8. Source and usage register\n\nAll fresh accesses occurred **October 28, 2026, Pacific time**.\n\n**Source convention:** Short IDs below carry the prefix **S_ID-P9-**. Several groups are section-specific uses of the same Justia publication, not independent authorities. Unless a row says otherwise, “complete” means the statutory body and displayed history were read. All Justia statutory findings remain **secondary and provisional**.\n\n## S001 — fresh official and material access failures\n\n| Literal URL | Actual observation |\n| --- | --- |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH9/SECT28-9-609/ | Restricted; official body unread |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH9/SECT28-9-626/ | Inaccessible; official body unread |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH45/SECT28-45-103/ | Inaccessible; official body unread |\n| https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2026/legislation/H0750E1.pdf | Visible official engrossed-bill link; restricted |\n| https://adminrules.idaho.gov/bulletin/2001/07.pdf | Redirected official route inaccessible |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-302/ | Body not recovered |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-701/ | Body not recovered |\n\nNo failure supplies a substantive statutory proposition.\n\n## S002 — official IDOF statutory locator\n\n**Issuer/title:** Idaho Department of Finance, *Statutes and Rules*.\n**URL:** https://www.finance.idaho.gov/legal/statutes-and-rules/\n\n**Read:** Relevant Credit Code and Title Loan Act locators and agency-guidance status text.\n\n**Status/limit:** Official locator, not operative statutory body. No current enactment is authenticated solely by the index.\n\n## S003 — Article 9 scope, definitions, attachment, and related predicates\n\n**Publisher:** Justia, **2025 Idaho Code**. **Status:** Secondary; currentness disclaimer.\n\n| Complete literal URL | Actual read bounds | Displayed source credit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-102/ | Necessary complete definitions: authenticate, cash proceeds, certificate of title, collateral, consumer categories, debtor, goods, obligor, related person, proceeds, proposal, record, secondary obligor, secured party, security agreement, send; incorporation lists inspected, not all bodies | 2001 ch.208 §2 p.708; amendments 2002 ch.107 §1 p.291; 2004 ch.42 §21 p.116; 2012 ch.145 §1 p.381 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-103/ | Complete (a)–(g), PMSI | 2001 ch.208 §2 p.718 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-108/ | Complete description provision | 2001 ch.208 §2 p.720 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-109/ | Complete (a)–(c), necessary (d) exclusions; structured-settlement detailed approval branch not completed | 2001 ch.208 §2 p.720; 2001 ch.299 §1 p.1078 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-201/ | Complete (a)–(d) | 2001 ch.208 §2 p.723 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-202/ | Complete title-immaterial clause | 2001 ch.208 §2 p.723 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-203/ | Complete (a)–(i); collateral-specific control/delivery incorporations held | 2001 ch.208 §2; later displayed amendment history read, not original acts |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-207/ | Complete (a)–(d) | 2001 ch.208 §2 p.725; 2004 ch.42 §23 p.126 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-210/ | Complete (a)–(f) | 2001 ch.208 §2 p.727 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-3/section-28-9-308/ | Complete section read; reliance limited to attachment/perfection distinction | 2001 ch.208 §2 p.732 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-3/section-28-9-311/ | Complete (a)–(d); no full priority determination | 2001 ch.208 §2 p.733; 2012 ch.145 §4 p.392 |\n\n## S004 — Article 9, Part 6 default provisions\n\n**Publisher/version:** Same secondary **2025** reproduction. Each listed section was read completely, including exceptions and displayed history. The general displayed source is **2001 ch.208 §2**, with pages below; later amendments are stated where materially displayed.\n\n| Literal URL | Pinpoint/title | Credit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-601/ | (a)–(g), rights after default | p.780; 2004 ch.42 §32 p.133 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-602/ | Complete nonwaiver list | p.780 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-603/ | (a)–(b), agreed standards | p.781 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-605/ | Unknown debtor/obligor/interests | p.782 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-607/ | (a)–(e), collection/enforcement | p.782; 2012 ch.145 §19 p.409 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-608/ | Collection application/surplus | p.783 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-609/ | Possession | p.784 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-610/ | Disposition/purchase/warranties | p.784 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-611/ | Notice, recipients, exceptions, search alternative | p.784 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-612/ | Complete (a)–(b), timeliness | p.785 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-613/ | Non-consumer-goods-transaction notice; blank statutory form | p.786 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-614/ | Consumer-goods notice; blank statutory form | p.786 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-615/ | (a)–(g), proceeds and deficiency | p.788 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-616/ | (a)–(e), consumer calculation explanation | p.789 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-617/ | Disposition transferee rights | p.790 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-618/ | Secondary obligor | p.791 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-619/ | Transfer of record/legal title | p.791 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-620/ | Complete (a)–(f), acceptance/compulsory disposition | p.792 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-621/ | Proposal recipients | p.793 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-622/ | Effect of acceptance | p.793 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-623/ | Redemption | p.794 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-624/ | Post-default waiver | p.794 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-625/ | Remedies, complete (a)–(f) | p.794 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-626/ | Complete (a)–(e), deficiency proof | p.795; 2002 ch.107 §5 p.302 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-627/ | Commercial reasonableness | p.795 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-628/ | Knowledge/reliance/liability limitations | p.796 |\n\nSections 604 and 606 were not used to investigate real-property/fixture or agricultural-lien enforcement. The blank statutory notifications were not completed.\n\n## S005 — general UCC definitions and principles\n\n| Literal URL | Read bounds | Displayed credit/status |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-201/ | Necessary definitions, including agreement, security interest, record, send, signed; complete security-interest definition | 2025 secondary; latest displayed 2004 ch.309 §2 p.867 |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-202/ | Complete (a)–(f), notice/knowledge/receipt | 2004 ch.43 §12 p.146 |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/ | Complete lease/security distinction | 2004 ch.43 §13 p.147 |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-204/ | Complete value provision | 2004 ch.43 §14 p.148 |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-304/ | Complete good-faith clause | 1967 source; redesignated 2004 ch.43 §22 p.151 |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-309/ | Complete insecurity-acceleration provision | 1967 source; redesignated 2004 ch.43 §27 p.152 |\n\nSection 28-1-302 was not recovered; no conclusion depends on treating its unseen body as read.\n\n## S006 — Idaho Credit Code\n\n| Literal URL | Read bounds | Credit/version |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ | Complete waiver/settlement/unconscionability qualifications | 2025 secondary; latest displayed 2015 ch.244 §15 p.1016 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ | Complete territorial provisions | Added 1983 ch.119 §3 p.267; amendments through 2014 ch.97 §10 p.273 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/ | Complete exclusions | 1983 ch.119 §3 p.268 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/ | Necessary complete definitions: cash price, consumer/business purpose, credit/creditor/debtor, loan, installment/open-end, regulated transactions, sale/seller | 1983 p.269; amendments 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/ | Complete cross-collateral provision | 1983 ch.119 §3; underlying §301 security-interest constraints not completed |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/ | Complete allocation provision | 1983 ch.119 §3 p.283 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/ | Complete remedies-part scope | 1983 ch.119 §3 p.294 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-103/ | Complete (1)–(6), deficiency restrictions | 1983 ch.119 §3 p.294 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ | Complete unconscionability section | 1983 ch.119 §3 p.295 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ | Complete default clause | 1983 ch.119 §3 p.296 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-108/ | Complete possession clause | 1983 ch.119 §3 p.296 |\n\n## S007 — Title Loan Act\n\n| Literal URL | Read bounds | Credit/version |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-502/ | Complete definitions and incorporations | 2025 secondary; 2006 ch.323 §1 p.1024 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-507/ | Complete (1)–(4) | 2006 ch.323 §1 p.1026 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-508/ | Complete prohibitions; reliance on narrow enforcement provisions | 2006 p.1027; 2013 ch.54 §7 p.118 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-509/ | Complete institutional exemption | 2006 ch.323 §1 p.1027 |\n\nSection 504’s selected disclosure text was encountered but not used as a completed agreement/disclosure investigation. Sections 503, 505, and 506 were not used to determine licensing, origination rescission, or renewal rights.\n\n## S008 — generic claim-and-delivery statutes\n\nAll are **2025 secondary reproductions**, with displayed source **1973 ch.118 §2 p.219**.\n\n| Literal URL | Read bounds |\n| --- | --- |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-301/ | Complete |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-302/ | Complete (1)–(5) |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-303/ | Complete undertaking provision |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-306/ | Complete stay/redelivery provision |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-307/ | Complete; incorporated civil-arrest surety law unread |\n| https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-312/ | Complete priority-setting provision |\n\n## S009 — vehicle-title statutory boundary\n\n| Literal URL | Read bounds | Credit/status |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-510/ | Complete (1)–(3); used only to distinguish title perfection | 2025 secondary; added 1988 ch.265 §125 p.647; amendments through 2007 ch.66 §2 p.169 |\n| https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-514/ | Complete transfer-by-law/security-agreement provision; unrelated succession branch not applied | Added 1988 ch.265 §129 p.649; amendments through 1998 ch.392 §19 p.1224 |\n\nSections 49-504/505 and full title/perfection/priority law remain held.\n\n## S010 — official court rule\n\n**Issuer/title:** Idaho Supreme Court, *Idaho Rules of Civil Procedure*.\n**URL:** https://isc.idaho.gov/rules-procedure/ircp\n\n**Read:** Complete Rule 64 and displayed footer.\n**Status:** Official current-published HTML; displayed adoption March 1, 2016, effective July 1, 2016. Original amendment-order links were not followed. No case or operational filing guide was examined.\n\n## S011 — official title instructions and blank form\n\n**Issuer:** Idaho Transportation Department.\n\n- Generic title page: https://itd.idaho.gov/dmv/registrations-plates-titles/vehicle-titles/\n- Blank form: https://itd.idaho.gov/wp-content/uploads/2023/11/3366.pdf\n\n**Read:** Relevant generic title instructions and complete one-page **Affidavit of Repossession, ITD 3366, Rev. 10/23**, PDF index 0, visually inspected.\n\n**Limit:** The form requests a legal certification; it does not establish lawful possession, proper notice, title priority, or completion of Article 9 duties. No field was completed.\n\n## S012 — official historical title-lending guidance\n\n**Issuer/title:** Idaho Department of Finance, archived title-lending bulletin dated **June 15, 2006**.\n**URL:** https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/archive/documents/TitleLending.pdf\n\n**Read:** Selected generic scope/rollout, cure, and prohibited-action portions. Printed pages **1, 4, 5**, PDF indices **0, 3, 4**, visually inspected.\n\n**Status:** Historical agency guidance describing July 1, 2006 implementation. Not current statutory text, an approved agreement, or an independently authenticated final enactment.\n\n## S013 — Article 9 transition provisions\n\n| Literal URL | Read bounds | Version/status |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-702/ | Complete (a)–(c) | 2025 secondary; 2001 ch.208 §2 p.797 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-801/ | Complete “reserved” text/history | 2025 secondary; 2012 ch.145 §20 p.410 |\n| https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-802/ | Complete (a)–(b) | Returned **2024** reproduction; 2012 ch.145 §20 p.410 |\n\nThe missing original effective clauses and dependent transition sections prevent a transaction-date application conclusion.\n\n## S014 — official historical Article 9 enactment lead\n\n**Issuer/title:** Idaho Administrative Bulletin, January 2002, Volume 02-1, pending-rule notice for IDAPA 34.05.06, docket 34-0506-0101.\n**URL:** https://adminrules.idaho.gov/bulletin/2002/01.pdf\n\n**Read:** Printed **page 160**, PDF index **159**, complete relevant notice in parsed text.\n\n**What it supports:** The agency identified the 2001 H.B.205 revised-Article-9 enactment as the basis for filing rules.\n\n**Limits:** Pending filing-rule notice, not Part 6 operative text or final rule status. Screenshot failed after a redirect to an inaccessible official delivery route. No pixel inspection of page 160 is claimed.\n\n## S015 — 2026 amendment lead and status\n\n**Publisher/title:** LegiScan, Idaho H0750, 2026.\n**URL:** https://legiscan.com/ID/bill/H0750/2026\n\n**Read:** Generic summary and status/history only. It reports engrossment and **March 31, 2026 return from Senate failed**.\n\n**Limits:** Secondary legislative status; official engrossed PDF failed. No roster, sponsor profile, individual vote, or party record was opened. The bill is not treated as enacted or future-effective law.\n\n# 9. Atomic consequential-claim register\n\nShort claims carry the prefix **S_ID-P9-**.\n\n| Claim | Proposition | Source/pinpoint | Status/limit |\n| --- | --- | --- | --- |\n| **C001** | Current official statutory bodies were not recovered through the listed fresh routes. | S001 | Access fact; not absence-of-law proof |\n| **C002** | Debtor, obligor, secondary obligor, and secured party are distinct roles. | S003 §102 | Provisional definitions |\n| **C003** | Article 9 scope and exclusions must precede remedy analysis. | S003 §109 | Detailed excluded regimes held |\n| **C004** | Consumer goods, consumer transaction, and consumer-goods transaction are different predicates. | S003 §102; S004 §§611,614 | No actual classification |\n| **C005** | Lease/security classification is factual and governed by §1-203’s complete conditions. | S005 §203 | Full lease remedies excluded |\n| **C006** | Attachment requires the statutory enforceability predicates. | S003 §203 | Special control/delivery incorporations held |\n| **C007** | Collateral description has consumer and supergeneric-description limits. | S003 §108 | No actual agreement |\n| **C008** | Title, attachment, perfection, and priority are distinct. | S003 §§202,308,311; S009 | Full title/priority held |\n| **C009** | Other applicable consumer laws can control over Article 9. | S003 §201 | No universal conflict result |\n| **C010** | Credit Code scope requires transaction/purpose/territorial/exclusion predicates. | S006 §§201,202,301,45-102 | No actual forum/residence |\n| **C011** | Consumer contractual default is limited by §45-107, with creditor impairment burden. | S006 §45-107 | Provisional |\n| **C012** | General good-faith/insecurity rules have their own standard and burden. | S005 §§304,309 | Not substituted for C011 |\n| **C013** | Nonwaiver is subject to specified post-default and consumer-law qualifications. | S004 §§602,624; S006 §41-106 | No blanket waiver approval |\n| **C014** | Agreed standards cannot be manifestly unreasonable or define breach-of-peace compliance. | S004 §603 | Construction held |\n| **C015** | Article 9 possession after default requires judicial process or no breach of peace. | S004 §609 | No tactics/application |\n| **C016** | Consumer-credit self-help has additional dwelling/force restrictions. | S006 §45-108 | No actual surrender/default |\n| **C017** | Claim-and-delivery has separate affidavit, hearing, provisional-order, and undertaking predicates. | S008; S010 | Larceny/surety incorporations held |\n| **C018** | Possession carries care, identification, expense, use, and proceeds duties. | S003 §207 | No actual custody finding |\n| **C019** | §210 accounting requests differ from §616 explanations. | S003 §210 | Defined request and exclusions |\n| **C020** | Title loans and institutional exemptions require their exact definitions. | S007 §§502,509 | No lender/transaction approval |\n| **C021** | Title-loan cure, voluntary surrender, post-possession charges, and expenses have special rules. | S007 §507 | Current official text held |\n| **C022** | Title-loan recourse, waiver, purchase, title-care and guaranty restrictions are distinct. | S007 §508 | Exceptions preserved |\n| **C023** | Every aspect of disposition must be commercially reasonable. | S004 §610 | No price/method adjudication |\n| **C024** | Secured-party purchase and warranties have conditional rules. | S004 §610(c)–(e) | Title-loan restriction separate |\n| **C025** | Notice recipients/exceptions/search alternative depend on §611’s exact branches. | S004 §611 | No universal recipient list |\n| **C026** | Idaho’s reproduced ten-day rule has no nonconsumer qualifier. | S004 §612 | Safe harbor, not universal minimum |\n| **C027** | §§613 and614 have different contents/error standards. | S004 §§613–614 | Form alone insufficient |\n| **C028** | Sending, receipt, authentication, and record are distinct events/concepts. | S003 §102; S005 §§201–202 | Electronic application held |\n| **C029** | Collection and disposition are different remedies with different application provisions. | S004 §§607–608 | Deposit/mortgage branches excluded |\n| **C030** | Cash-proceeds priority, lawful expenses, proof, and surplus/deficiency conditions govern. | S004 §615(a)–(e),(g) | No balance calculation |\n| **C031** | Related-purchaser low-price adjustment has specific predicates. | S004 §615(f) | No assumed value |\n| **C032** | Consumer-goods explanations have defined content and response events. | S004 §616 | No actual notice |\n| **C033** | Transferee rights and good-faith protection are distinct from creditor compliance. | S004 §617 | No purchaser finding |\n| **C034** | Title transfer alone is not disposition or completion of duties. | S004 §619; S011 | Form is not adjudication |\n| **C035** | Secondary-obligor transfer/subrogation is not itself disposition. | S004 §618 | Exact conditions required |\n| **C036** | Redemption requires full statutory tender before the specified cutoff events. | S004 §623 | Not general arrears cure |\n| **C037** | Post-default waivers are right-specific; consumer-goods redemption waiver is excluded. | S004 §624 | No actual waiver |\n| **C038** | Acceptance requires consent, secured-party assent, and remaining statutory conditions. | S004 §620(a)–(c) | No categorical consumer prohibition appears in read text |\n| **C039** | Proposal recipients and received objections are separately regulated. | S004 §§620(d),621 | No actual recipient/event |\n| **C040** | Consumer-goods compulsory disposition uses different 60% bases and a possession-based period. | S004 §620(e)–(f) | No percentage calculation |\n| **C041** | Acceptance discharges only to the consented extent and has specified collateral-interest effects. | S004 §622 | No actual satisfaction |\n| **C042** | Compliance burden shifts when debtor/secondary obligor puts compliance in issue. | S004 §626(a)–(b) | Not litigation advice |\n| **C043** | Noncompliance deficiency limitation and presumption use the statutory counterfactual proceeds relation. | S004 §626(c)–(e) | §628 and other law remain |\n| **C044** | The reproduced §626 contains no consumer carveout/reservation. | S004 §626 complete | Official-current authentication held |\n| **C045** | §45-103’s small-sale deficiency restrictions are not universal consumer-loan rules. | S006 §45-103 | Exact sale/cash-price conditions |\n| **C046** | Cross-collateral allocation has statutory ordering requirements. | S006 §§43-302–303 | Underlying validity not determined |\n| **C047** | Remedies and minimum recovery have defined actors, causation, and coordination limits. | S004 §625 | Filing subregimes not completed |\n| **C048** | Better price alone does not establish unreasonableness; specified approvals are not mandatory. | S004 §627 | Judicial construction held |\n| **C049** | Knowledge and reasonable-purpose-reliance limitations are not automatic immunity. | S004 §§605,628 | No actual knowledge/reliance |\n| **C050** | Source versions, pending measures, and current bodies must remain distinct. | S001–S015 | No source-title currency substitution |\n| **C051** | Official historical notice corroborates revised-Article-9 history, not current default wording. | S014 | Historical pending rule only |\n| **C052** | Transition provisions require unread effective/application dependencies. | S013 | No transaction-date application |\n| **C053** | Official title-loan guidance supports historical rollout only. | S012 | Not current statutory authentication |\n| **C054** | H0750 lead is not adopted amendment evidence. | S015; S001 failure | No exhaustive2026audit |\n| **C055** | Generic Article9 clauses do not establish a universal cure/reinstatement period. | S004; S007 | Bounded no-rule-established finding |\n| **C056** | Interstate/local/tribal and actual governing-law issues remain held. | S006 §41-201; scope | No favorable-law selection |\n| **C057** | Source periods are not converted into actual deadlines or universal counting rules. | Timing register | No calendar |\n| **C058** | No actual or fictional transaction or party was assessed. | Research record | Certain |\n| **C059** | Arithmetic or a notice form does not create an enforceable deficiency or lawful disposition. | S004 §§613–616,626 | Conditional relations only |\n| **C060** | Earlier holds and other dimensions remain unchanged. | Supplied scope context | No acceptance by implication |\n\n# 10. Quantities, periods, reference events, and unknowns\n\n| Quantity/event | Source-stated relation | Boundary or unknown |\n| --- | --- | --- |\n| Ten days or more | §612: notice sent after default before earliest stated disposition time | No nonconsumer qualifier; fewer days return to fact question |\n| Ten-day lookback | §611(c)(3): qualifying filed/titled interests before notification date | Different from the ten-day disposition safe harbor |\n| Twenty–thirty days | §611(e): record-search request before notification date | Limited filed-interest notice-compliance branch |\n| Fourteen days | §210: response after receipt of defined request | Exceptions/former-interest conditions apply |\n| One free response per six months; additional ≤$25 | §210(f) | Not a repossession charge |\n| Fourteen days | §616: explanation or permitted waiver response after receipt | Request must be authenticated and post-disposition |\n| Thirty-five days maximum | §616(c)(1): specified debt-calculation date before possession after default; alternative pre-disposition branch when no possession | Not an allowable delay after sale |\n| One free response per six months; additional ≤$25 | §616(e), in its stated no-prior-explanation branch | Separate from §210 entitlement |\n| Twenty days | §620 full-satisfaction proposal: objection must be **received**, measured after sending | Not deemed consent from silence in every acceptance |\n| Twenty days / before consent | §620(d) other-interest objections | Depends on whether and when proposal was sent |\n| Ten-day interest snapshot | §621 qualifying filed/titled proposal recipients | Measured before debtor consent |\n| 60% cash price | PMSI in consumer goods, possession taken | Not principal or current value |\n| 60% principal amount | Non-PMSI in consumer goods, possession taken | Not cash price |\n| Ninety days after possession | Compulsory disposition | Longer period requires debtor and all secondary obligors’ authenticated post-default agreement; waiver branch separate |\n| All secured obligations plus permitted expenses | Redemption | Not merely overdue installments |\n| Before collection, disposition/contract, or acceptance | Redemption cutoff | No actual event supplied |\n| $1,000 or less | §45-103 cash-price branches | Not sale proceeds, unpaid balance, or all consumer loans |\n| 10% principal / 10% cash price | §625(c)(2) alternative minimum-recovery relation | Added to applicable service charge/time-price differential; subject to §628 |\n| $100 | §625(e)’s two specified filing/termination failures | Not general repossession damages |\n| Once per secured obligation | §628(e) particular minimum recovery | Not all damages or all remedies |\n| Ten days from notice date | Title-loan cure after mailed notice | Not receipt-based by assumption; voluntary-surrender exception |\n| No further finance charges after possession | Title-loan §507(2) | No conclusion about charges before possession |\n| Age eighteen | Title-loan §508 eligibility prohibition read | No actual eligibility decision |\n| Not sooner than five days | §8-302 ordinary show-cause hearing after order issuance | Not universal repossession notice |\n| At least forty-eight hours | Specified shortened hearing notice to plaintiff | Prehearing-possession branch |\n| Two or more sufficient sureties; double court-fixed value | §8-303 undertaking | No value or bond calculation |\n| Two sureties / double stated value; five-day redelivery relation | §8-306 | Subject to surety justification and other conditions |\n| Two days | §8-307 notice of surety objection after service | Not a debtor redemption period |\n| Two–five days | §8-307 surety justification on notice | Incorporated qualification rules unread |\n| First-incurred / same-day smallest debt | §43-303 allocation | No allocation performed |\n| After December31,1986 | §49-510’s stated title-lien application boundary | Full title regime remains held |\n| July1,2006 | Historical agency-stated title-loan rollout | Original effective clause not authenticated |\n| March1/July1,2016 | Rule64 displayed adoption/effectiveness | Not a statutory transaction date |\n| March31,2026 | Secondary H0750 failed-status event | Not an enactment |\n| Sending/receipt/authentication/default/possession/disposition/consent | Different statutory reference events | None supplied or invented |\n| Business versus calendar days, inclusive/exclusive boundaries, holidays | Not comprehensively resolved for these substantive provisions | No universal Rule2.2 import or actual deadline |\n\n# 11. Conditional branches and exact remaining inquiries\n\n| Branch | Necessary predicate | Supported consequence | Inference to avoid | Next generic authority inquiry |\n| --- | --- | --- | --- | --- |\n| **B01—security interest** | Covered consensual transaction and statutory interest | Article9 framework | Title ownership alone proves security | Official §§1-201,9-109 |\n| **B02—attachment** | Value, rights/power, applicable formal condition | Enforceability against debtor | Filing/title notation proves attachment | Official §203 and relevant incorporation |\n| **B03—consumer category** | Purpose, individual, collateral-use definitions | Correct consumer branch | All vehicle debt is identical | Official definitions and generic construction |\n| **B04—lease boundary** | Complete §1-203 predicates | Lease/security distinction | Label controls | Generic construction; no lease-remedies expansion |\n| **B05—default** | Valid contractual default under governing law | Default remedies may arise | Any insecurity or breach label suffices | Official §45-107 and general contract law |\n| **B06—self-help** | Default and peace condition; consumer restrictions if applicable | Narrow statutory alternative to judicial process | Statute resolves every breach-of-peace issue | Judicial construction held |\n| **B07—judicial possession** | Verified statutory showing and procedure | Provisional possession determination | Writ equals final ownership | Official Title8 body and unread surety incorporation |\n| **B08—title loan** | Exact non-PMSI/consumer/repayment/property definition, no exemption | Special cure/recourse rules | Every vehicle loan is a title loan | Official Act and institutional definitions |\n| **B09—care** | Possession/control and applicable §207 branch | Custody/preservation duties | Possession confers unlimited use | Official §207 and generic reasonableness |\n| **B10—notice recipients** | Debtor/secondary status and collateral category | Correct §611 recipients | One notice covers everyone | Official text and recipient construction |\n| **B11—timeliness** | Post-default sending and stated disposition time | §612 safe harbor | Nonconsumer-only or universal waiting period | Official Idaho wording |\n| **B12—notice contents** | Consumer-goods transaction or other branch | §§613/614 contents | Blank form cures invalid predicates | Exact statutory branch and communications law |\n| **B13—disposition** | Valid enforcement and commercially reasonable process | Permitted statutory alternatives | Higher/lower price alone decides compliance | Generic construction; cases excluded |\n| **B14—purchase** | Public sale or narrow private-market condition | Article9 purchaser branch | Lender can always buy | Title-loan prohibition and market construction |\n| **B15—proceeds** | Lawful expenses, obligation, demands, proof | Ordered application | Gross shortfall equals enforceable deficiency | Official §§608/615 and expense authority |\n| **B16—related buyer** | Related purchaser and significantly low proceeds | Counterfactual adjustment | Automatic appraisal substitution | Generic §615(f)/626(e) construction |\n| **B17—redemption** | Eligible person, full tender, before cutoff | Statutory redemption right | Arrears cure equals redemption | Official §623 and tender construction |\n| **B18—acceptance** | Consent, assent, notices, no effective objection, no unwaived mandatory sale | Satisfaction to specified extent | Retention alone extinguishes debt | Official §§620–622 |\n| **B19—compulsory sale** | Consumer goods, possession, correct60%base | Ninety-day/authorized alternative | Use price/proceeds interchangeably | Current text; PMSI classification |\n| **B20—waiver** | Exact right and post-default authenticated agreement | Limited §624 effect | Original blanket waiver valid | Consumer-law interaction |\n| **B21—deficiency proof** | Compliance challenged in relevant action | §626 burden/presumption | Consumer carveout imported into Idaho | Official §626 and special-law construction |\n| **B22—small sale** | Regulated consumer sale and exact cash-price branch | §45-103 consequences | All consumer loans nonrecourse | Official amount/currentness and sale classification |\n| **B23—remedies** | Statutory actor, failure, causation, exception | Defined relief | Automatic damages or double recovery | Official §§625/628 and full remedies later |\n| **B24—title paperwork** | Statutory transfer statement/title requirements | Administrative record change | Title change equals disposition | Official title law; no actual record |\n| **B25—transition** | Applicable enactment date and savings conditions | Correct statutory version | Current title applies to every old event | Original2001/2002/2012enactments |\n| **B26—jurisdiction** | Governing law/forum/territory predicates | Only exact applicable regime | Favorable-law selection | Separate interstate/local/tribal inquiry |\n| **B27—source currency** | Official operative text and amendment chain | Exact gap can close | Search miss proves no change | Ordinary official publication recovery |\n\n# 12. Wholly blank analytical worksheet\n\n| Field | Entry |\n| --- | --- |\n| Legal category |  |\n| Governing authority and edition |  |\n| Official-current-text status |  |\n| Debtor definition |  |\n| Obligor definition |  |\n| Secondary-obligor definition |  |\n| Collateral category |  |\n| Consumer-transaction predicate |  |\n| Consumer-goods-transaction predicate |  |\n| Security-interest predicate |  |\n| Attachment requirement |  |\n| Perfection/title dependency |  |\n| Default provision |  |\n| Special consumer-credit provision |  |\n| Title-loan applicability |  |\n| Judicial-possession authority |  |\n| Nonjudicial-possession limitation |  |\n| Cure/reinstatement authority |  |\n| Custody duty |  |\n| Notice recipients |  |\n| Notice contents |  |\n| Sending/receipt rule |  |\n| Timeliness provision |  |\n| Disposition standard |  |\n| Secured-party purchase rule |  |\n| Lawful expense authority |  |\n| Proceeds application order |  |\n| Surplus provision |  |\n| Deficiency provision |  |\n| Explanation requirement |  |\n| Redemption predicate |  |\n| Redemption cutoff |  |\n| Waiver restriction |  |\n| Acceptance-consent requirement |  |\n| Objection requirement |  |\n| Compulsory-disposition provision |  |\n| Noncompliance consequence |  |\n| Transition/application provision |  |\n| Unread incorporation |  |\n| Missing primary evidence |  |\n| Review status |  |\n\nNo field is completed.\n\n# 13. Granular coverage\n\n| Requested question/subquestion | Status | Claims/sources/branches | Remaining evidence or boundary |\n| --- | --- | --- | --- |\n| **1—current enacted framework** | Provisional statutory framework; official-current gap | C001–C010; S001–S006 | Official bodies and complete amendment chain |\n| Definitions and roles | Necessary definitions read | C002–C004; B01–B03 | External incorporations and actual classification held |\n| Consumer/consumer-goods/nonconsumer | Distinguished | C004,C026,C044 | No imported qualifier |\n| Exclusions | Material branches read | C003 | Full structured-settlement/sector regimes excluded |\n| Attachment versus perfection/title | Distinguished | C006–C008 | Full title/perfection/priority excluded |\n| Obligation/default/remedy | Distinguished | C011–C012 | No actual contract/default |\n| Motor-vehicle relation | Narrowly addressed | C008,C020–C022,C034 | Other vehicle sectors and title requirements held |\n| Mandatory/waivable terms | Read conditionally | C013–C014,C037 | Electronic/contract application held |\n| **2—possession clauses** | Complete material clauses read | C015–C017 | Breach-of-peace construction unresolved |\n| Judicial versus self-help | Distinguished | S008,S010; B06–B07 | No operational filing/service guide |\n| Cure/reinstatement | Special title-loan cure established provisionally | C021,C055 | No universal right inferred |\n| Waiver limits | Addressed | C013,C037 | No actual waiver |\n| Actor/custody duties | Addressed | C018–C019 | No actual possession/accounting |\n| **3—commercial reasonableness** | Statutory standards read | C023,C048 | Judicial application held |\n| Notice recipients/content/method | Material complete clauses read | C025–C028 | Recipient/electronic facts absent |\n| Timeliness and safe harbor | Idaho wording preserved | C026 | Official current body held |\n| Sale versus collection/acceptance | Distinguished | C029–C041 | No election or actual transaction |\n| Expenses/application order | Addressed symbolically | C030–C031 | Expense validity and amount not determined |\n| Surplus/deficiency | Conditional framework | C032,C042–C046 | Special restrictions and proof remain |\n| Gross versus lawful net result | Distinguished | C030,C043,C059 | No filled ledger or debt computation |\n| **4—redemption** | Complete indispensable clause read | C036–C037 | Tender/construction held |\n| Acceptance/objections | Complete material clauses read | C038–C041 | No consumer prohibition invented |\n| Consumer-goods percentage/time | Correct bases distinguished | C040 | No actual calculation |\n| Consumer deficiency reservation | Text checked; reservation not present | C044 | Official text/judicial law still held |\n| Remedial/proof consequences | Narrowly read | C042–C049 | Full remedies/enforcement excluded |\n| **5—version/effect/application** | Partial | C050–C054; S012–S015 | Original adopted acts not recovered |\n| Current/future/proposed distinctions | Preserved | C054 | No exhaustive2026no-change claim |\n| Unread incorporations | Listed | Sources/branches | Each remains a dependency |\n| Interstate/local/tribal/bankruptcy | Excluded | C056; B26 | Separate investigations |\n| Visible registers/quantities/branches | Supplied | Sections8–11 | Conditional evidence, not acceptance |\n| Blank worksheet | Supplied unfilled | Section12 | No invented narrative |\n| Read/failure/selfcheck | Supplied | Section14 | Not independent review |\n| Registry dimension6 | **Partial/conditional** | All above | Does not complete real-property or other secured sectors |\n| Earlier holds | Unchanged | C060 | No provider/source/checklist acceptance |\n\n# 14. Read/search/failure log and researcher self-check\n\n## Actual search and reading scope\n\n| Material | What was actually done |\n| --- | --- |\n| Official Idaho statute routes | Fresh bounded attempts for this topic; failures recorded |\n| Secondary statutory bodies | Complete relevant Part 6 provisions and identified definitions/consumer/title-law clauses read |\n| Original enactment search | Sought generic 2001/2002/2012 and title-loan history; no final operative enactment chain recovered |\n| Official historical bulletin | Selected page160 parsed text read; screenshot failed |\n| Official court rule | Rule64 and displayed history read; no API-hosted orders followed |\n| Official vehicle title material | Generic instructions and wholly blank repossession affidavit read |\n| Official title-lending guidance | Selected historical scope/cure/prohibition pages read and visually inspected |\n| 2026 legislative lead | Generic bill summary/status checked; official PDF failed; no roster or individual-vote inquiry |\n| Cases/opinions/dockets | Not searched as substantive authority, opened, or relied on |\n| Private agreements/policies/transactions | Not inspected |\n| Earlier report files/conversation links | Not opened; supplied exclusions used only as scope context |\n\n## PDF inspection record\n\n| Document | Parsed scope | Pixels actually inspected |\n| --- | --- | --- |\n| ITD3366 blank affidavit | Complete one page | PDF index0 |\n| IDOF June15,2006 bulletin | Selected scope/cure/prohibition paragraphs | Printed1,4,5; indices0,3,4 |\n| January2002 Administrative Bulletin | Selected complete pending-rule notice | **No successful pixel inspection**; printed160/index159 screenshot failed after inaccessible redirect |\n| 2026 official H0750E1 PDF | Not recovered | None |\n\n## Additional limits preserved\n\nThe following were not represented as completed:\n\n- Original adopted Article 9 and consumer-credit enactment chains.\n- The missing effective-date provision and all transition incorporations.\n- General contractual variation under unrecovered § 28-1-302.\n- Full electronic-signature law, Article 1 choice-of-law rules, civil-arrest surety qualifications, and the larceny incorporation.\n- Full motor-vehicle title, perfection, priority, finance-lease, secured-sale limitation, bankruptcy, military, tribal, local, tax, or administrative-seizure regimes.\n- Judicial interpretation of breach of peace, recognized markets, commercial reasonableness, acceptance, tender, or deficiency consequences.\n- A lawful actual enforcement election, actual fee or expense, actual deficiency, title result, or provider authority.\n\nThis is a **researcher self-check, not independent review**. The research establishes a substantial but **provisional and conditional** Idaho personal-property enforcement framework. The source-currentness and identified construction gaps remain explicit. No Idaho, registry dimension6, A066, parent, operational, or publication acceptance is implied.\n\nEND S_ID PASS-09.\n\n","tables":[{"headers":["Question","Supported statutory distinction","What is not established"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Question","Supported statutory distinction","What is not established"],["Is there an obligation?","An obligation and its enforceability are distinct from the remedies available against collateral.","No actual debt or contract validity."],["Is there a security interest?","Article 1 defines the interest; Article 9 applies to the described consensual security transactions regardless of form.","Ownership of goods alone is not a security agreement."],["Has it attached?","Section 28-9-203 requires value, the debtor’s rights or power to transfer rights, and an applicable evidentiary/formal condition.","A financing statement or title notation alone does not prove attachment."],["Is it perfected?","Section 28-9-308 separates attachment from completion of the applicable perfection steps.","Perfection and priority were not fully investigated."],["Who holds title?","Section 28-9-202 generally makes title location immaterial to Article 9’s application.","Title does not eliminate enforceability or default predicates."],["Has default occurred?","Article 9 remedies operate after default; other law can restrict what constitutes enforceable default.","A contractual label, insecurity assertion, or missed-event description is not adjudicated."],["May possession be obtained?","Judicial process and nonjudicial possession have different requirements.","No entry, force, or repossession tactic is approved."],["May a deficiency be collected?","Disposition compliance, proceeds application, proof rules, and special consumer restrictions matter.","A subtraction does not establish an enforceable deficiency."]]},{"headers":["Category","Material distinction"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Material distinction"],["Debtor","Generally the person with an interest in collateral, other than the specified lien/security interest, whether or not that person owes the obligation."],["Obligor","A person owing payment or performance, whose property other than the collateral secures it, or otherwise accountable under the definition."],["Secondary obligor","The defined secondary/subrogation relationship; not every person associated with the debtor."],["Secured party","Includes the described holder of a security interest and other persons within the statutory definition."],["Consumer goods","Goods used or bought primarily for personal, family, or household purposes."],["Consumer transaction","The defined individual-consumer obligation and personal/family/household collateral-interest arrangement."],["Consumer-goods transaction","A consumer-purpose secured obligation with a security interest in consumer goods."],["Consumer debtor / consumer obligor","Distinct defined actors tied to the relevant consumer transaction or obligation."],["Purchase-money security interest","Depends on the purchase-money obligation and collateral relationship in § 28-9-103, not merely the presence of a vehicle."]]},{"headers":["Regime","Rule actually read","Important distinction"],"index":2,"links":[],"row_links":[[],[],[],[]],"rows":[["Regime","Rule actually read","Important distinction"],["General UCC","Section 28-1-304 imposes good faith in performance and enforcement. Section 28-1-309 restricts the specified “at will” or insecurity acceleration/power clause to a good-faith belief that payment or performance is impaired.","Section 1-309 places its stated lack-of-good-faith burden on the person against whom the power is exercised."],["Regulated consumer credit","Section 28-45-107 permits contractual default only for required-payment failure or significant impairment of payment, performance, or realization of collateral.","The creditor bears the statutory burden of establishing significant impairment."],["Unconscionability","Section 28-45-106 provides the stated court scrutiny and opportunity to present context.","No actual clause is declared unconscionable; statutory permission alone is not treated as unconscionable."]]},{"headers":["Provision","Legal boundary established"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Provision","Legal boundary established"],["Rule 64","The provisional remedy is available only under governing law and circumstances; the rule does not itself establish entitlement."],["§ 8-301","Claim-and-delivery is a distinct personal-property recovery procedure."],["§ 8-302(1)–(2)","Verified showing of ownership/right to possession and wrongful detention; ordinary notice and opportunity to oppose."],["§ 8-302(3)–(5)","Prehearing possession requires a stated probable-cause ground; protective orders and a preliminary entitlement determination are distinct from final adjudication."],["§§ 8-303, 8-306","Undertakings and stay/redelivery mechanisms have separate conditions."],["§ 8-307","Surety objections and justification have their own procedure; incorporated civil-arrest qualification rules remain unread."],["§ 8-312","Requested priority in setting possession proceedings, subject to other statutory priority."]]},{"headers":["Issue","Reproduced special rule"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Reproduced special rule"],["Cure notice","Before exercising default rights, lender mails notice to the debtor’s last address in its file."],["Cure period","Ten days from the date of the notice."],["Voluntary surrender","The stated cure-notice obligation does not apply."],["After possession","No further finance charges may be assessed."],["Expenses","Reasonable collection/enforcement expenses only as authorized by Article 9."],["Recourse","Limited to taking possession and disposition, except the specified prevented-repossession, damage/waste, or fraud circumstances."],["Waiver","No acceptance of a waiver of the protected rights."],["Purchase by lender","Prohibited for the property securing that lender’s title loan."],["Title and additional security","Clear-title, care, prohibited additional guaranty, and stated lien-consequence provisions remain material."]]},{"headers":["Topic","Exact distinction"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Topic","Exact distinction"],["Basic recipients","Debtor and secondary obligor."],["Additional recipients","When collateral is other than consumer goods, specified interest claimants and filed/titled secured parties or lienholders."],["Notification date","Statutory earlier-of sending to debtor/secondary obligor or their waiver."],["Exceptions","Perishable collateral, speedy decline in value, or a type customarily sold on a recognized market."],["Filing-search alternative","Limited compliance mechanism for the specified filed-interest-recipient branch; not a waiver of all notice duties."],["Timeliness","Reasonableness is ordinarily a fact question; § 28-9-612(b) supplies its ten-day post-default safe harbor."]]},{"headers":["Notice category","Required content structure"],"index":6,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Notice category","Required content structure"],["Other than a consumer-goods transaction, § 28-9-613","Debtor/secured-party identification; collateral; intended disposition method; entitlement to an accounting and any charge; public-disposition time/place or time after which another disposition occurs."],["Consumer-goods transaction, § 28-9-614","Section 613 content plus deficiency-liability description, redemption-information telephone number, and contact information for additional transaction/disposition information."],["Form and errors","Each provision has its own sufficiency and error rules. Section 613’s treatment is not automatically transferred to § 614."],["Sending versus receipt","Article 9’s “send,” “authenticate,” and “record” definitions and Article 1’s notice/receipt provisions remain distinct."],["Prescribed blank forms","Statutory forms may satisfy their stated content safe harbor; they do not establish a valid security interest, default, correct recipients, timely sending, or reasonable disposition."]]},{"headers":["Right","Reproduced § 28-9-624 condition"],"index":7,"links":[],"row_links":[[],[],[],[]],"rows":[["Right","Reproduced § 28-9-624 condition"],["Disposition notification","Debtor or secondary obligor may waive only by authenticated agreement entered after default."],["Compulsory disposition under § 620(e)","Debtor may waive only by authenticated post-default agreement."],["Redemption","Post-default authenticated waiver is permitted except in a consumer-goods transaction."]]},{"headers":["Acceptance issue","Source-stated requirement"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Acceptance issue","Source-stated requirement"],["Partial satisfaction","Debtor’s authenticated agreement after default."],["Full satisfaction","Authenticated post-default agreement, or the specified full-satisfaction proposal/no-timely-objection route."],["Secured-party assent","Authenticated consent or proposal, plus all § 620(a) conditions."],["Other interests","Required proposals and timely objections under §§ 620–621 must be respected."],["Compulsory disposition","Acceptance cannot bypass § 620(e) unless its waiver condition is met."],["Effect","Accepted obligation discharged to the consented extent; specified collateral interests discharged under § 622."]]},{"headers":["Provision","Consequence actually supplied","Qualification"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Provision","Consequence actually supplied","Qualification"],["§ 28-9-625(a)–(b)","Court restraint/order and causally resulting damages","No actual violation or loss adjudicated"],["§ 28-9-625(c)(2)","Consumer-goods minimum-recovery formula","Applies to the stated actors, failure, and collateral category; subject to § 628"],["§ 28-9-625(d)","Coordinates deficiency reduction/elimination and damages; preserves lost-surplus recovery","No double-recovery inference"],["§ 28-9-625(e)","Reproduced $100 amounts for two specified filing/termination failures","Not a general repossession penalty; §§ 509/513 filing merits remain outside scope"],["§ 28-9-625(f)","Consequence of certain collateral-list/account-statement failures against a reasonably misled person","Not every unanswered communication"],["§ 28-9-628","Knowledge, reasonable purpose-representation reliance, and specified liability limits","No actual knowledge, reasonable reliance, or defense established"]]},{"headers":["Evidence","What was authenticated","What remains unverified"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Evidence","What was authenticated","What remains unverified"],["2025 Idaho reproductions","Complete or specified operative wording and displayed history","Official current 2026 bodies and full amendment chain"],["2001 Article 9 history","Reproductions credit 2001 ch.208 §2; official 2002 bulletin identifies H.B.205 as the revised-Article-9 enactment","Original adopted H.B.205 body and effective/application clause"],["§ 28-9-702","Savings/application text for preexisting transactions and previously commenced proceedings","Exact operative original effective date; dependent §§703–709"],["2012 transition","§ 28-9-801 is reproduced as reserved; § 28-9-802 supplies its stated prior-transaction/action savings","Original 2012 ch.145 effective/application clauses; §802 page returned a 2024 edition"],["2006 title-loan history","Official IDOF bulletin dated June15,2006 describes July1 rollout","Original adopted act and full later amendment chain"],["2026 H0750 lead","Secondary legislative-status page reports returned from Senate failed on March31,2026","Official bill PDF failed; no adopted amendment inferred; not an exhaustive 2026 audit"],["Official Rule64","Current-published operative rule and displayed adoption/effective footer","Original court order and complete later rule history"],["ITD blank form","Current-publicly-hosted generic affidavit, printed revision10/23","No proof of an actual lawful repossession or approved agreement"]]},{"headers":["Literal URL","Actual observation"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Actual observation"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH9/SECT28-9-609/","Restricted; official body unread"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH9/SECT28-9-626/","Inaccessible; official body unread"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH45/SECT28-45-103/","Inaccessible; official body unread"],["https://legislature.idaho.gov/wp-content/uploads/sessioninfo/2026/legislation/H0750E1.pdf","Visible official engrossed-bill link; restricted"],["https://adminrules.idaho.gov/bulletin/2001/07.pdf","Redirected official route inaccessible"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-302/","Body not recovered"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-701/","Body not recovered"]]},{"headers":["Complete literal URL","Actual read bounds","Displayed source credit"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Complete literal URL","Actual read bounds","Displayed source credit"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-102/","Necessary complete definitions: authenticate, cash proceeds, certificate of title, collateral, consumer categories, debtor, goods, obligor, related person, proceeds, proposal, record, secondary obligor, secured party, security agreement, send; incorporation lists inspected, not all bodies","2001 ch.208 §2 p.708; amendments 2002 ch.107 §1 p.291; 2004 ch.42 §21 p.116; 2012 ch.145 §1 p.381"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-103/","Complete (a)–(g), PMSI","2001 ch.208 §2 p.718"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-108/","Complete description provision","2001 ch.208 §2 p.720"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-1/section-28-9-109/","Complete (a)–(c), necessary (d) exclusions; structured-settlement detailed approval branch not completed","2001 ch.208 §2 p.720; 2001 ch.299 §1 p.1078"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-201/","Complete (a)–(d)","2001 ch.208 §2 p.723"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-202/","Complete title-immaterial clause","2001 ch.208 §2 p.723"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-203/","Complete (a)–(i); collateral-specific control/delivery incorporations held","2001 ch.208 §2; later displayed amendment history read, not original acts"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-207/","Complete (a)–(d)","2001 ch.208 §2 p.725; 2004 ch.42 §23 p.126"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-2/section-28-9-210/","Complete (a)–(f)","2001 ch.208 §2 p.727"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-3/section-28-9-308/","Complete section read; reliance limited to attachment/perfection distinction","2001 ch.208 §2 p.732"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-3/section-28-9-311/","Complete (a)–(d); no full priority determination","2001 ch.208 §2 p.733; 2012 ch.145 §4 p.392"]]},{"headers":["Literal URL","Pinpoint/title","Credit"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Pinpoint/title","Credit"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-601/","(a)–(g), rights after default","p.780; 2004 ch.42 §32 p.133"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-602/","Complete nonwaiver list","p.780"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-603/","(a)–(b), agreed standards","p.781"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-605/","Unknown debtor/obligor/interests","p.782"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-607/","(a)–(e), collection/enforcement","p.782; 2012 ch.145 §19 p.409"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-608/","Collection application/surplus","p.783"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-609/","Possession","p.784"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-610/","Disposition/purchase/warranties","p.784"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-611/","Notice, recipients, exceptions, search alternative","p.784"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-612/","Complete (a)–(b), timeliness","p.785"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-613/","Non-consumer-goods-transaction notice; blank statutory form","p.786"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-614/","Consumer-goods notice; blank statutory form","p.786"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-615/","(a)–(g), proceeds and deficiency","p.788"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-616/","(a)–(e), consumer calculation explanation","p.789"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-617/","Disposition transferee rights","p.790"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-618/","Secondary obligor","p.791"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-619/","Transfer of record/legal title","p.791"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-620/","Complete (a)–(f), acceptance/compulsory disposition","p.792"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-621/","Proposal recipients","p.793"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-622/","Effect of acceptance","p.793"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-623/","Redemption","p.794"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-624/","Post-default waiver","p.794"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-625/","Remedies, complete (a)–(f)","p.794"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-626/","Complete (a)–(e), deficiency proof","p.795; 2002 ch.107 §5 p.302"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-627/","Commercial reasonableness","p.795"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-6/section-28-9-628/","Knowledge/reliance/liability limitations","p.796"]]},{"headers":["Literal URL","Read bounds","Displayed credit/status"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit/status"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-201/","Necessary definitions, including agreement, security interest, record, send, signed; complete security-interest definition","2025 secondary; latest displayed 2004 ch.309 §2 p.867"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-202/","Complete (a)–(f), notice/knowledge/receipt","2004 ch.43 §12 p.146"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/","Complete lease/security distinction","2004 ch.43 §13 p.147"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-204/","Complete value provision","2004 ch.43 §14 p.148"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-304/","Complete good-faith clause","1967 source; redesignated 2004 ch.43 §22 p.151"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-3/section-28-1-309/","Complete insecurity-acceleration provision","1967 source; redesignated 2004 ch.43 §27 p.152"]]},{"headers":["Literal URL","Read bounds","Credit/version"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Credit/version"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/","Complete waiver/settlement/unconscionability qualifications","2025 secondary; latest displayed 2015 ch.244 §15 p.1016"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/","Complete territorial provisions","Added 1983 ch.119 §3 p.267; amendments through 2014 ch.97 §10 p.273"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/","Complete exclusions","1983 ch.119 §3 p.268"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/","Necessary complete definitions: cash price, consumer/business purpose, credit/creditor/debtor, loan, installment/open-end, regulated transactions, sale/seller","1983 p.269; amendments 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/","Complete cross-collateral provision","1983 ch.119 §3; underlying §301 security-interest constraints not completed"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/","Complete allocation provision","1983 ch.119 §3 p.283"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/","Complete remedies-part scope","1983 ch.119 §3 p.294"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-103/","Complete (1)–(6), deficiency restrictions","1983 ch.119 §3 p.294"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/","Complete unconscionability section","1983 ch.119 §3 p.295"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/","Complete default clause","1983 ch.119 §3 p.296"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-108/","Complete possession clause","1983 ch.119 §3 p.296"]]},{"headers":["Literal URL","Read bounds","Credit/version"],"index":16,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Credit/version"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-502/","Complete definitions and incorporations","2025 secondary; 2006 ch.323 §1 p.1024"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-507/","Complete (1)–(4)","2006 ch.323 §1 p.1026"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-508/","Complete prohibitions; reliance on narrow enforcement provisions","2006 p.1027; 2013 ch.54 §7 p.118"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-509/","Complete institutional exemption","2006 ch.323 §1 p.1027"]]},{"headers":["Literal URL","Read bounds"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-301/","Complete"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-302/","Complete (1)–(5)"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-303/","Complete undertaking provision"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-306/","Complete stay/redelivery provision"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-307/","Complete; incorporated civil-arrest surety law unread"],["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-312/","Complete priority-setting provision"]]},{"headers":["Literal URL","Read bounds","Credit/status"],"index":18,"links":[],"row_links":[[],[],[]],"rows":[["Literal URL","Read bounds","Credit/status"],["https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-510/","Complete (1)–(3); used only to distinguish title perfection","2025 secondary; added 1988 ch.265 §125 p.647; amendments through 2007 ch.66 §2 p.169"],["https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-514/","Complete transfer-by-law/security-agreement provision; unrelated succession branch not applied","Added 1988 ch.265 §129 p.649; amendments through 1998 ch.392 §19 p.1224"]]},{"headers":["Literal URL","Read bounds","Version/status"],"index":19,"links":[],"row_links":[[],[],[],[]],"rows":[["Literal URL","Read bounds","Version/status"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-702/","Complete (a)–(c)","2025 secondary; 2001 ch.208 §2 p.797"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-801/","Complete “reserved” text/history","2025 secondary; 2012 ch.145 §20 p.410"],["https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-802/","Complete (a)–(b)","Returned 2024 reproduction; 2012 ch.145 §20 p.410"]]},{"headers":["Claim","Proposition","Source/pinpoint","Status/limit"],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Proposition","Source/pinpoint","Status/limit"],["C001","Current official statutory bodies were not recovered through the listed fresh routes.","S001","Access fact; not absence-of-law proof"],["C002","Debtor, obligor, secondary obligor, and secured party are distinct roles.","S003 §102","Provisional definitions"],["C003","Article 9 scope and exclusions must precede remedy analysis.","S003 §109","Detailed excluded regimes held"],["C004","Consumer goods, consumer transaction, and consumer-goods transaction are different predicates.","S003 §102; S004 §§611,614","No actual classification"],["C005","Lease/security classification is factual and governed by §1-203’s complete conditions.","S005 §203","Full lease remedies excluded"],["C006","Attachment requires the statutory enforceability predicates.","S003 §203","Special control/delivery incorporations held"],["C007","Collateral description has consumer and supergeneric-description limits.","S003 §108","No actual agreement"],["C008","Title, attachment, perfection, and priority are distinct.","S003 §§202,308,311; S009","Full title/priority held"],["C009","Other applicable consumer laws can control over Article 9.","S003 §201","No universal conflict result"],["C010","Credit Code scope requires transaction/purpose/territorial/exclusion predicates.","S006 §§201,202,301,45-102","No actual forum/residence"],["C011","Consumer contractual default is limited by §45-107, with creditor impairment burden.","S006 §45-107","Provisional"],["C012","General good-faith/insecurity rules have their own standard and burden.","S005 §§304,309","Not substituted for C011"],["C013","Nonwaiver is subject to specified post-default and consumer-law qualifications.","S004 §§602,624; S006 §41-106","No blanket waiver approval"],["C014","Agreed standards cannot be manifestly unreasonable or define breach-of-peace compliance.","S004 §603","Construction held"],["C015","Article 9 possession after default requires judicial process or no breach of peace.","S004 §609","No tactics/application"],["C016","Consumer-credit self-help has additional dwelling/force restrictions.","S006 §45-108","No actual surrender/default"],["C017","Claim-and-delivery has separate affidavit, hearing, provisional-order, and undertaking predicates.","S008; S010","Larceny/surety incorporations held"],["C018","Possession carries care, identification, expense, use, and proceeds duties.","S003 §207","No actual custody finding"],["C019","§210 accounting requests differ from §616 explanations.","S003 §210","Defined request and exclusions"],["C020","Title loans and institutional exemptions require their exact definitions.","S007 §§502,509","No lender/transaction approval"],["C021","Title-loan cure, voluntary surrender, post-possession charges, and expenses have special rules.","S007 §507","Current official text held"],["C022","Title-loan recourse, waiver, purchase, title-care and guaranty restrictions are distinct.","S007 §508","Exceptions preserved"],["C023","Every aspect of disposition must be commercially reasonable.","S004 §610","No price/method adjudication"],["C024","Secured-party purchase and warranties have conditional rules.","S004 §610(c)–(e)","Title-loan restriction separate"],["C025","Notice recipients/exceptions/search alternative depend on §611’s exact branches.","S004 §611","No universal recipient list"],["C026","Idaho’s reproduced ten-day rule has no nonconsumer qualifier.","S004 §612","Safe harbor, not universal minimum"],["C027","§§613 and614 have different contents/error standards.","S004 §§613–614","Form alone insufficient"],["C028","Sending, receipt, authentication, and record are distinct events/concepts.","S003 §102; S005 §§201–202","Electronic application held"],["C029","Collection and disposition are different remedies with different application provisions.","S004 §§607–608","Deposit/mortgage branches excluded"],["C030","Cash-proceeds priority, lawful expenses, proof, and surplus/deficiency conditions govern.","S004 §615(a)–(e),(g)","No balance calculation"],["C031","Related-purchaser low-price adjustment has specific predicates.","S004 §615(f)","No assumed value"],["C032","Consumer-goods explanations have defined content and response events.","S004 §616","No actual notice"],["C033","Transferee rights and good-faith protection are distinct from creditor compliance.","S004 §617","No purchaser finding"],["C034","Title transfer alone is not disposition or completion of duties.","S004 §619; S011","Form is not adjudication"],["C035","Secondary-obligor transfer/subrogation is not itself disposition.","S004 §618","Exact conditions required"],["C036","Redemption requires full statutory tender before the specified cutoff events.","S004 §623","Not general arrears cure"],["C037","Post-default waivers are right-specific; consumer-goods redemption waiver is excluded.","S004 §624","No actual waiver"],["C038","Acceptance requires consent, secured-party assent, and remaining statutory conditions.","S004 §620(a)–(c)","No categorical consumer prohibition appears in read text"],["C039","Proposal recipients and received objections are separately regulated.","S004 §§620(d),621","No actual recipient/event"],["C040","Consumer-goods compulsory disposition uses different 60% bases and a possession-based period.","S004 §620(e)–(f)","No percentage calculation"],["C041","Acceptance discharges only to the consented extent and has specified collateral-interest effects.","S004 §622","No actual satisfaction"],["C042","Compliance burden shifts when debtor/secondary obligor puts compliance in issue.","S004 §626(a)–(b)","Not litigation advice"],["C043","Noncompliance deficiency limitation and presumption use the statutory counterfactual proceeds relation.","S004 §626(c)–(e)","§628 and other law remain"],["C044","The reproduced §626 contains no consumer carveout/reservation.","S004 §626 complete","Official-current authentication held"],["C045","§45-103’s small-sale deficiency restrictions are not universal consumer-loan rules.","S006 §45-103","Exact sale/cash-price conditions"],["C046","Cross-collateral allocation has statutory ordering requirements.","S006 §§43-302–303","Underlying validity not determined"],["C047","Remedies and minimum recovery have defined actors, causation, and coordination limits.","S004 §625","Filing subregimes not completed"],["C048","Better price alone does not establish unreasonableness; specified approvals are not mandatory.","S004 §627","Judicial construction held"],["C049","Knowledge and reasonable-purpose-reliance limitations are not automatic immunity.","S004 §§605,628","No actual knowledge/reliance"],["C050","Source versions, pending measures, and current bodies must remain distinct.","S001–S015","No source-title currency substitution"],["C051","Official historical notice corroborates revised-Article-9 history, not current default wording.","S014","Historical pending rule only"],["C052","Transition provisions require unread effective/application dependencies.","S013","No transaction-date application"],["C053","Official title-loan guidance supports historical rollout only.","S012","Not current statutory authentication"],["C054","H0750 lead is not adopted amendment evidence.","S015; S001 failure","No exhaustive2026audit"],["C055","Generic Article9 clauses do not establish a universal cure/reinstatement period.","S004; S007","Bounded no-rule-established finding"],["C056","Interstate/local/tribal and actual governing-law issues remain held.","S006 §41-201; scope","No favorable-law selection"],["C057","Source periods are not converted into actual deadlines or universal counting rules.","Timing register","No calendar"],["C058","No actual or fictional transaction or party was assessed.","Research record","Certain"],["C059","Arithmetic or a notice form does not create an enforceable deficiency or lawful disposition.","S004 §§613–616,626","Conditional relations only"],["C060","Earlier holds and other dimensions remain unchanged.","Supplied scope context","No acceptance by implication"]]},{"headers":["Quantity/event","Source-stated relation","Boundary or unknown"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity/event","Source-stated relation","Boundary or unknown"],["Ten days or more","§612: notice sent after default before earliest stated disposition time","No nonconsumer qualifier; fewer days return to fact question"],["Ten-day lookback","§611(c)(3): qualifying filed/titled interests before notification date","Different from the ten-day disposition safe harbor"],["Twenty–thirty days","§611(e): record-search request before notification date","Limited filed-interest notice-compliance branch"],["Fourteen days","§210: response after receipt of defined request","Exceptions/former-interest conditions apply"],["One free response per six months; additional ≤$25","§210(f)","Not a repossession charge"],["Fourteen days","§616: explanation or permitted waiver response after receipt","Request must be authenticated and post-disposition"],["Thirty-five days maximum","§616(c)(1): specified debt-calculation date before possession after default; alternative pre-disposition branch when no possession","Not an allowable delay after sale"],["One free response per six months; additional ≤$25","§616(e), in its stated no-prior-explanation branch","Separate from §210 entitlement"],["Twenty days","§620 full-satisfaction proposal: objection must be received, measured after sending","Not deemed consent from silence in every acceptance"],["Twenty days / before consent","§620(d) other-interest objections","Depends on whether and when proposal was sent"],["Ten-day interest snapshot","§621 qualifying filed/titled proposal recipients","Measured before debtor consent"],["60% cash price","PMSI in consumer goods, possession taken","Not principal or current value"],["60% principal amount","Non-PMSI in consumer goods, possession taken","Not cash price"],["Ninety days after possession","Compulsory disposition","Longer period requires debtor and all secondary obligors’ authenticated post-default agreement; waiver branch separate"],["All secured obligations plus permitted expenses","Redemption","Not merely overdue installments"],["Before collection, disposition/contract, or acceptance","Redemption cutoff","No actual event supplied"],["$1,000 or less","§45-103 cash-price branches","Not sale proceeds, unpaid balance, or all consumer loans"],["10% principal / 10% cash price","§625(c)(2) alternative minimum-recovery relation","Added to applicable service charge/time-price differential; subject to §628"],["$100","§625(e)’s two specified filing/termination failures","Not general repossession damages"],["Once per secured obligation","§628(e) particular minimum recovery","Not all damages or all remedies"],["Ten days from notice date","Title-loan cure after mailed notice","Not receipt-based by assumption; voluntary-surrender exception"],["No further finance charges after possession","Title-loan §507(2)","No conclusion about charges before possession"],["Age eighteen","Title-loan §508 eligibility prohibition read","No actual eligibility decision"],["Not sooner than five days","§8-302 ordinary show-cause hearing after order issuance","Not universal repossession notice"],["At least forty-eight hours","Specified shortened hearing notice to plaintiff","Prehearing-possession branch"],["Two or more sufficient sureties; double court-fixed value","§8-303 undertaking","No value or bond calculation"],["Two sureties / double stated value; five-day redelivery relation","§8-306","Subject to surety justification and other conditions"],["Two days","§8-307 notice of surety objection after service","Not a debtor redemption period"],["Two–five days","§8-307 surety justification on notice","Incorporated qualification rules unread"],["First-incurred / same-day smallest debt","§43-303 allocation","No allocation performed"],["After December31,1986","§49-510’s stated title-lien application boundary","Full title regime remains held"],["July1,2006","Historical agency-stated title-loan rollout","Original effective clause not authenticated"],["March1/July1,2016","Rule64 displayed adoption/effectiveness","Not a statutory transaction date"],["March31,2026","Secondary H0750 failed-status event","Not an enactment"],["Sending/receipt/authentication/default/possession/disposition/consent","Different statutory reference events","None supplied or invented"],["Business versus calendar days, inclusive/exclusive boundaries, holidays","Not comprehensively resolved for these substantive provisions","No universal Rule2.2 import or actual deadline"]]},{"headers":["Branch","Necessary predicate","Supported consequence","Inference to avoid","Next generic authority inquiry"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Necessary predicate","Supported consequence","Inference to avoid","Next generic authority inquiry"],["B01—security interest","Covered consensual transaction and statutory interest","Article9 framework","Title ownership alone proves security","Official §§1-201,9-109"],["B02—attachment","Value, rights/power, applicable formal condition","Enforceability against debtor","Filing/title notation proves attachment","Official §203 and relevant incorporation"],["B03—consumer category","Purpose, individual, collateral-use definitions","Correct consumer branch","All vehicle debt is identical","Official definitions and generic construction"],["B04—lease boundary","Complete §1-203 predicates","Lease/security distinction","Label controls","Generic construction; no lease-remedies expansion"],["B05—default","Valid contractual default under governing law","Default remedies may arise","Any insecurity or breach label suffices","Official §45-107 and general contract law"],["B06—self-help","Default and peace condition; consumer restrictions if applicable","Narrow statutory alternative to judicial process","Statute resolves every breach-of-peace issue","Judicial construction held"],["B07—judicial possession","Verified statutory showing and procedure","Provisional possession determination","Writ equals final ownership","Official Title8 body and unread surety incorporation"],["B08—title loan","Exact non-PMSI/consumer/repayment/property definition, no exemption","Special cure/recourse rules","Every vehicle loan is a title loan","Official Act and institutional definitions"],["B09—care","Possession/control and applicable §207 branch","Custody/preservation duties","Possession confers unlimited use","Official §207 and generic reasonableness"],["B10—notice recipients","Debtor/secondary status and collateral category","Correct §611 recipients","One notice covers everyone","Official text and recipient construction"],["B11—timeliness","Post-default sending and stated disposition time","§612 safe harbor","Nonconsumer-only or universal waiting period","Official Idaho wording"],["B12—notice contents","Consumer-goods transaction or other branch","§§613/614 contents","Blank form cures invalid predicates","Exact statutory branch and communications law"],["B13—disposition","Valid enforcement and commercially reasonable process","Permitted statutory alternatives","Higher/lower price alone decides compliance","Generic construction; cases excluded"],["B14—purchase","Public sale or narrow private-market condition","Article9 purchaser branch","Lender can always buy","Title-loan prohibition and market construction"],["B15—proceeds","Lawful expenses, obligation, demands, proof","Ordered application","Gross shortfall equals enforceable deficiency","Official §§608/615 and expense authority"],["B16—related buyer","Related purchaser and significantly low proceeds","Counterfactual adjustment","Automatic appraisal substitution","Generic §615(f)/626(e) construction"],["B17—redemption","Eligible person, full tender, before cutoff","Statutory redemption right","Arrears cure equals redemption","Official §623 and tender construction"],["B18—acceptance","Consent, assent, notices, no effective objection, no unwaived mandatory sale","Satisfaction to specified extent","Retention alone extinguishes debt","Official §§620–622"],["B19—compulsory sale","Consumer goods, possession, correct60%base","Ninety-day/authorized alternative","Use price/proceeds interchangeably","Current text; PMSI classification"],["B20—waiver","Exact right and post-default authenticated agreement","Limited §624 effect","Original blanket waiver valid","Consumer-law interaction"],["B21—deficiency proof","Compliance challenged in relevant action","§626 burden/presumption","Consumer carveout imported into Idaho","Official §626 and special-law construction"],["B22—small sale","Regulated consumer sale and exact cash-price branch","§45-103 consequences","All consumer loans nonrecourse","Official amount/currentness and sale classification"],["B23—remedies","Statutory actor, failure, causation, exception","Defined relief","Automatic damages or double recovery","Official §§625/628 and full remedies later"],["B24—title paperwork","Statutory transfer statement/title requirements","Administrative record change","Title change equals disposition","Official title law; no actual record"],["B25—transition","Applicable enactment date and savings conditions","Correct statutory version","Current title applies to every old event","Original2001/2002/2012enactments"],["B26—jurisdiction","Governing law/forum/territory predicates","Only exact applicable regime","Favorable-law selection","Separate interstate/local/tribal inquiry"],["B27—source currency","Official operative text and amendment chain","Exact gap can close","Search miss proves no change","Ordinary official publication recovery"]]},{"headers":["Field","Entry"],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field","Entry"],["Legal category",""],["Governing authority and edition",""],["Official-current-text status",""],["Debtor definition",""],["Obligor definition",""],["Secondary-obligor definition",""],["Collateral category",""],["Consumer-transaction predicate",""],["Consumer-goods-transaction predicate",""],["Security-interest predicate",""],["Attachment requirement",""],["Perfection/title dependency",""],["Default provision",""],["Special consumer-credit provision",""],["Title-loan applicability",""],["Judicial-possession authority",""],["Nonjudicial-possession limitation",""],["Cure/reinstatement authority",""],["Custody duty",""],["Notice recipients",""],["Notice contents",""],["Sending/receipt rule",""],["Timeliness provision",""],["Disposition standard",""],["Secured-party purchase rule",""],["Lawful expense authority",""],["Proceeds application order",""],["Surplus provision",""],["Deficiency provision",""],["Explanation requirement",""],["Redemption predicate",""],["Redemption cutoff",""],["Waiver restriction",""],["Acceptance-consent requirement",""],["Objection requirement",""],["Compulsory-disposition provision",""],["Noncompliance consequence",""],["Transition/application provision",""],["Unread incorporation",""],["Missing primary evidence",""],["Review status",""]]},{"headers":["Requested question/subquestion","Status","Claims/sources/branches","Remaining evidence or boundary"],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested question/subquestion","Status","Claims/sources/branches","Remaining evidence or boundary"],["1—current enacted framework","Provisional statutory framework; official-current gap","C001–C010; S001–S006","Official bodies and complete amendment chain"],["Definitions and roles","Necessary definitions read","C002–C004; B01–B03","External incorporations and actual classification held"],["Consumer/consumer-goods/nonconsumer","Distinguished","C004,C026,C044","No imported qualifier"],["Exclusions","Material branches read","C003","Full structured-settlement/sector regimes excluded"],["Attachment versus perfection/title","Distinguished","C006–C008","Full title/perfection/priority excluded"],["Obligation/default/remedy","Distinguished","C011–C012","No actual contract/default"],["Motor-vehicle relation","Narrowly addressed","C008,C020–C022,C034","Other vehicle sectors and title requirements held"],["Mandatory/waivable terms","Read conditionally","C013–C014,C037","Electronic/contract application held"],["2—possession clauses","Complete material clauses read","C015–C017","Breach-of-peace construction unresolved"],["Judicial versus self-help","Distinguished","S008,S010; B06–B07","No operational filing/service guide"],["Cure/reinstatement","Special title-loan cure established provisionally","C021,C055","No universal right inferred"],["Waiver limits","Addressed","C013,C037","No actual waiver"],["Actor/custody duties","Addressed","C018–C019","No actual possession/accounting"],["3—commercial reasonableness","Statutory standards read","C023,C048","Judicial application held"],["Notice recipients/content/method","Material complete clauses read","C025–C028","Recipient/electronic facts absent"],["Timeliness and safe harbor","Idaho wording preserved","C026","Official current body held"],["Sale versus collection/acceptance","Distinguished","C029–C041","No election or actual transaction"],["Expenses/application order","Addressed symbolically","C030–C031","Expense validity and amount not determined"],["Surplus/deficiency","Conditional framework","C032,C042–C046","Special restrictions and proof remain"],["Gross versus lawful net result","Distinguished","C030,C043,C059","No filled ledger or debt computation"],["4—redemption","Complete indispensable clause read","C036–C037","Tender/construction held"],["Acceptance/objections","Complete material clauses read","C038–C041","No consumer prohibition invented"],["Consumer-goods percentage/time","Correct bases distinguished","C040","No actual calculation"],["Consumer deficiency reservation","Text checked; reservation not present","C044","Official text/judicial law still held"],["Remedial/proof consequences","Narrowly read","C042–C049","Full remedies/enforcement excluded"],["5—version/effect/application","Partial","C050–C054; S012–S015","Original adopted acts not recovered"],["Current/future/proposed distinctions","Preserved","C054","No exhaustive2026no-change claim"],["Unread incorporations","Listed","Sources/branches","Each remains a dependency"],["Interstate/local/tribal/bankruptcy","Excluded","C056; B26","Separate investigations"],["Visible registers/quantities/branches","Supplied","Sections8–11","Conditional evidence, not acceptance"],["Blank worksheet","Supplied unfilled","Section12","No invented narrative"],["Read/failure/selfcheck","Supplied","Section14","Not independent review"],["Registry dimension6","Partial/conditional","All above","Does not complete real-property or other secured sectors"],["Earlier holds","Unchanged","C060","No provider/source/checklist acceptance"]]},{"headers":["Material","What was actually done"],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","What was actually done"],["Official Idaho statute routes","Fresh bounded attempts for this topic; failures recorded"],["Secondary statutory bodies","Complete relevant Part 6 provisions and identified definitions/consumer/title-law clauses read"],["Original enactment search","Sought generic 2001/2002/2012 and title-loan history; no final operative enactment chain recovered"],["Official historical bulletin","Selected page160 parsed text read; screenshot failed"],["Official court rule","Rule64 and displayed history read; no API-hosted orders followed"],["Official vehicle title material","Generic instructions and wholly blank repossession affidavit read"],["Official title-lending guidance","Selected historical scope/cure/prohibition pages read and visually inspected"],["2026 legislative lead","Generic bill summary/status checked; official PDF failed; no roster or individual-vote inquiry"],["Cases/opinions/dockets","Not searched as substantive authority, opened, or relied on"],["Private agreements/policies/transactions","Not inspected"],["Earlier report files/conversation links","Not opened; supplied exclusions used only as scope context"]]},{"headers":["Document","Parsed scope","Pixels actually inspected"],"index":26,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Document","Parsed scope","Pixels actually inspected"],["ITD3366 blank affidavit","Complete one page","PDF index0"],["IDOF June15,2006 bulletin","Selected scope/cure/prohibition paragraphs","Printed1,4,5; indices0,3,4"],["January2002 Administrative Bulletin","Selected complete pending-rule notice","No successful pixel inspection; printed160/index159 screenshot failed after inaccessible redirect"],["2026 official H0750E1 PDF","Not recovered","None"]]}],"claims":[{"claim_id":"S_ID-P9-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Proposition":"Current official statutory bodies were not recovered through the listed fresh routes.","Source/pinpoint":"S001","Status/limit":"Access fact; not absence-of-law proof"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Proposition":"Debtor, obligor, secondary obligor, and secured party are distinct roles.","Source/pinpoint":"S003 §102","Status/limit":"Provisional definitions"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Proposition":"Article 9 scope and exclusions must precede remedy analysis.","Source/pinpoint":"S003 §109","Status/limit":"Detailed excluded regimes held"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Proposition":"Consumer goods, consumer transaction, and consumer-goods transaction are different predicates.","Source/pinpoint":"S003 §102; S004 §§611,614","Status/limit":"No actual classification"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Proposition":"Lease/security classification is factual and governed by §1-203’s complete conditions.","Source/pinpoint":"S005 §203","Status/limit":"Full lease remedies excluded"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Proposition":"Attachment requires the statutory enforceability predicates.","Source/pinpoint":"S003 §203","Status/limit":"Special control/delivery incorporations held"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Proposition":"Collateral description has consumer and supergeneric-description limits.","Source/pinpoint":"S003 §108","Status/limit":"No actual agreement"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Proposition":"Title, attachment, perfection, and priority are distinct.","Source/pinpoint":"S003 §§202,308,311; S009","Status/limit":"Full title/priority held"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Proposition":"Other applicable consumer laws can control over Article 9.","Source/pinpoint":"S003 §201","Status/limit":"No universal conflict result"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Proposition":"Credit Code scope requires transaction/purpose/territorial/exclusion predicates.","Source/pinpoint":"S006 §§201,202,301,45-102","Status/limit":"No actual forum/residence"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Proposition":"Consumer contractual default is limited by §45-107, with creditor impairment burden.","Source/pinpoint":"S006 §45-107","Status/limit":"Provisional"},"raw_table_index":20,"coordinator_verification_status":"selected_secondary_aspect_compared_official_currentness_and_incorporations_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Proposition":"General good-faith/insecurity rules have their own standard and burden.","Source/pinpoint":"S005 §§304,309","Status/limit":"Not substituted for C011"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]"},{"claim_id":"S_ID-P9-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C013","Proposition":"Nonwaiver is subject to specified post-default and consumer-law qualifications.","Source/pinpoint":"S004 §§602,624; S006 §41-106","Status/limit":"No blanket waiver approval"},"raw_table_index":20,"coordinator_verification_status":"report_scope_reviewed_not_all_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; 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Broadercredit definitions/territory/allocation/incorporationsnot freshly reopened."}},{"source_id":"S_ID-P9-S007","urls":["https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-502/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-507/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-508/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-509/"],"researcher_record":{"Source ID":"S_ID-P9-S007","Verbatim complete visible source and usage section":"S007 — Title Loan Act\nLiteral URL\tRead bounds\tCredit/version\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-502/\tComplete definitions and incorporations\t2025 secondary; 2006 ch.323 §1 p.1024\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-507/\tComplete (1)–(4)\t2006 ch.323 §1 p.1026\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-508/\tComplete prohibitions; reliance on narrow enforcement provisions\t2006 p.1027; 2013 ch.54 §7 p.118\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-5/section-28-46-509/\tComplete institutional exemption\t2006 ch.323 §1 p.1027\n\nSection 504’s selected disclosure text was encountered but not used as a completed agreement/disclosure investigation. Sections 503, 505, and 506 were not used to determine licensing, origination rescission, or renewal rights."},"raw_table_indices":[16],"coordinator_verification_status":"selected_secondary_comparison_official_currentness_and_unread_clauses_held","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Selected complete2025title-loan507(1)–(4),508(1)–(11), histories/disclaimers. Definitions502/exemptions509andoriginalactsnotfreshlyreopened."}},{"source_id":"S_ID-P9-S008","urls":["https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-301/","https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-302/","https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-303/","https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-306/","https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-307/","https://law.justia.com/codes/idaho/title-8/chapter-3/section-8-312/"],"researcher_record":{"Source ID":"S_ID-P9-S008","Verbatim complete visible source and usage section":"S008 — generic claim-and-delivery statutes\n\nAll are 2025 secondary reproductions, with displayed source 1973 ch.118 §2 p.219.\n\nLiteral URL\tRead bounds\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-301/\tComplete\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-302/\tComplete (1)–(5)\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-303/\tComplete undertaking provision\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-306/\tComplete stay/redelivery provision\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-307/\tComplete; incorporated civil-arrest surety law unread\nhttps://law.justia.com/codes/idaho/title-8/chapter-3/section-8-312/\tComplete priority-setting provision"},"raw_table_indices":[17],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Whole report source/claim/coverage/limits read; no fresh substantivebody or pixels for this group."}},{"source_id":"S_ID-P9-S009","urls":["https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-510/","https://law.justia.com/codes/idaho/title-49/chapter-5/section-49-514/"],"researcher_record":{"Source ID":"S_ID-P9-S009","Verbatim complete visible source and usage section":"S009 — vehicle-title statutory boundary\nLiteral URL\tRead bounds\tCredit/status\nhttps://law.justia.com/codes/idaho/title-49/chapter-5/section-49-510/\tComplete (1)–(3); used only to distinguish title perfection\t2025 secondary; added 1988 ch.265 §125 p.647; amendments through 2007 ch.66 §2 p.169\nhttps://law.justia.com/codes/idaho/title-49/chapter-5/section-49-514/\tComplete transfer-by-law/security-agreement provision; unrelated succession branch not applied\tAdded 1988 ch.265 §129 p.649; amendments through 1998 ch.392 §19 p.1224\n\nSections 49-504/505 and full title/perfection/priority law remain held."},"raw_table_indices":[18],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Whole report source/claim/coverage/limits read; no fresh substantivebody or pixels for this group."}},{"source_id":"S_ID-P9-S010","urls":["https://isc.idaho.gov/rules-procedure/ircp"],"researcher_record":{"Source ID":"S_ID-P9-S010","Verbatim complete visible source and usage section":"S010 — official court rule\n\nIssuer/title: Idaho Supreme Court, Idaho Rules of Civil Procedure.\nURL: https://isc.idaho.gov/rules-procedure/ircp\n\nRead: Complete Rule 64 and displayed footer.\nStatus: Official current-published HTML; displayed adoption March 1, 2016, effective July 1, 2016. Original amendment-order links were not followed. No case or operational filing guide was examined."},"raw_table_indices":[],"coordinator_verification_status":"selected_primary_text_checked_with_read_bounds","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Complete official IRCP Rule64 and displayed2016adoption/effective footer; no original order, other rules or actual process."}},{"source_id":"S_ID-P9-S011","urls":["https://itd.idaho.gov/dmv/registrations-plates-titles/vehicle-titles/","https://itd.idaho.gov/wp-content/uploads/2023/11/3366.pdf"],"researcher_record":{"Source ID":"S_ID-P9-S011","Verbatim complete visible source and usage section":"S011 — official title instructions and blank form\n\nIssuer: Idaho Transportation Department.\n\nGeneric title page: https://itd.idaho.gov/dmv/registrations-plates-titles/vehicle-titles/\nBlank form: https://itd.idaho.gov/wp-content/uploads/2023/11/3366.pdf\n\nRead: Relevant generic title instructions and complete one-page Affidavit of Repossession, ITD 3366, Rev. 10/23, PDF index 0, visually inspected.\n\nLimit: The form requests a legal certification; it does not establish lawful possession, proper notice, title priority, or completion of Article 9 duties. No field was completed."},"raw_table_indices":[],"coordinator_verification_status":"selected_primary_text_checked_with_read_bounds","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Complete one-page official ITD3366Rev10/23blankaffidavit parsed text, PDFindex0; generic titlepage not freshly reopened. No coordinatorpixels or populatedfield."}},{"source_id":"S_ID-P9-S012","urls":["https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/archive/documents/TitleLending.pdf"],"researcher_record":{"Source ID":"S_ID-P9-S012","Verbatim complete visible source and usage section":"S012 — official historical title-lending guidance\n\nIssuer/title: Idaho Department of Finance, archived title-lending bulletin dated June 15, 2006.\nURL: https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/archive/documents/TitleLending.pdf\n\nRead: Selected generic scope/rollout, cure, and prohibited-action portions. Printed pages 1, 4, 5, PDF indices 0, 3, 4, visually inspected.\n\nStatus: Historical agency guidance describing July 1, 2006 implementation. Not current statutory text, an approved agreement, or an independently authenticated final enactment."},"raw_table_indices":[],"coordinator_verification_status":"selected_primary_text_checked_with_read_bounds","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Selected complete historical IDOFJune15,2006intro/scope atprinted1/index0 and cure/prohibitedaction text printed4–5/index3–4 parsed. Broader origination/renewal/examplepages unused. Historical guidance, not current enacted law; no coordinatorpixels."}},{"source_id":"S_ID-P9-S013","urls":["https://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-702/","https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-801/","https://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-802/"],"researcher_record":{"Source ID":"S_ID-P9-S013","Verbatim complete visible source and usage section":"S013 — Article 9 transition provisions\nLiteral URL\tRead bounds\tVersion/status\nhttps://law.justia.com/codes/idaho/title-28/chapter-9/part-7/section-28-9-702/\tComplete (a)–(c)\t2025 secondary; 2001 ch.208 §2 p.797\nhttps://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-801/\tComplete “reserved” text/history\t2025 secondary; 2012 ch.145 §20 p.410\nhttps://law.justia.com/codes/idaho/title-28/chapter-9/part-8/section-28-9-802/\tComplete (a)–(b)\tReturned 2024 reproduction; 2012 ch.145 §20 p.410\n\nThe missing original effective clauses and dependent transition sections prevent a transaction-date application conclusion."},"raw_table_indices":[19],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Whole report source/claim/coverage/limits read; no fresh substantivebody or pixels for this group."}},{"source_id":"S_ID-P9-S014","urls":["https://adminrules.idaho.gov/bulletin/2002/01.pdf"],"researcher_record":{"Source ID":"S_ID-P9-S014","Verbatim complete visible source and usage section":"S014 — official historical Article 9 enactment lead\n\nIssuer/title: Idaho Administrative Bulletin, January 2002, Volume 02-1, pending-rule notice for IDAPA 34.05.06, docket 34-0506-0101.\nURL: https://adminrules.idaho.gov/bulletin/2002/01.pdf\n\nRead: Printed page 160, PDF index 159, complete relevant notice in parsed text.\n\nWhat it supports: The agency identified the 2001 H.B.205 revised-Article-9 enactment as the basis for filing rules.\n\nLimits: Pending filing-rule notice, not Part 6 operative text or final rule status. Screenshot failed after a redirect to an inaccessible official delivery route. No pixel inspection of page 160 is claimed."},"raw_table_indices":[],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Whole report source/claim/coverage/limits read; no fresh substantivebody or pixels for this group."}},{"source_id":"S_ID-P9-S015","urls":["https://legiscan.com/ID/bill/H0750/2026"],"researcher_record":{"Source ID":"S_ID-P9-S015","Verbatim complete visible source and usage section":"S015 — 2026 amendment lead and status\n\nPublisher/title: LegiScan, Idaho H0750, 2026.\nURL: https://legiscan.com/ID/bill/H0750/2026\n\nRead: Generic summary and status/history only. It reports engrossment and March 31, 2026 return from Senate failed.\n\nLimits: Secondary legislative status; official engrossed PDF failed. No roster, sponsor profile, individual vote, or party record was opened. The bill is not treated as enacted or future-effective law."},"raw_table_indices":[],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","classification_reconciliation":"Bare source ID appears in a heading, with explicit report prefix convention S_ID-P9-. Restored complete visible section, actual URLs/usage/read/version/limits; no primary verification or raw mutation.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T15:35:28.528578+00:00","packet_folder":"reviews/ID9-primary-20261028-1759","note":"Whole report source/claim/coverage/limits read; no fresh substantivebody or pixels for this group."}}],"coverage":[{"topic":"1—current enacted framework","researcher_record":{"Requested question/subquestion":"1—current enacted framework","Status":"Provisional statutory framework; official-current gap","Claims/sources/branches":"C001–C010; S001–S006","Remaining evidence or boundary":"Official bodies and complete amendment chain"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Definitions and roles","researcher_record":{"Requested question/subquestion":"Definitions and roles","Status":"Necessary definitions read","Claims/sources/branches":"C002–C004; B01–B03","Remaining evidence or boundary":"External incorporations and actual classification held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer/consumer-goods/nonconsumer","researcher_record":{"Requested question/subquestion":"Consumer/consumer-goods/nonconsumer","Status":"Distinguished","Claims/sources/branches":"C004,C026,C044","Remaining evidence or boundary":"No imported qualifier"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Exclusions","researcher_record":{"Requested question/subquestion":"Exclusions","Status":"Material branches read","Claims/sources/branches":"C003","Remaining evidence or boundary":"Full structured-settlement/sector regimes excluded"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Attachment versus perfection/title","researcher_record":{"Requested question/subquestion":"Attachment versus perfection/title","Status":"Distinguished","Claims/sources/branches":"C006–C008","Remaining evidence or boundary":"Full title/perfection/priority excluded"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Obligation/default/remedy","researcher_record":{"Requested question/subquestion":"Obligation/default/remedy","Status":"Distinguished","Claims/sources/branches":"C011–C012","Remaining evidence or boundary":"No actual contract/default"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Motor-vehicle relation","researcher_record":{"Requested question/subquestion":"Motor-vehicle relation","Status":"Narrowly addressed","Claims/sources/branches":"C008,C020–C022,C034","Remaining evidence or boundary":"Other vehicle sectors and title requirements held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Mandatory/waivable terms","researcher_record":{"Requested question/subquestion":"Mandatory/waivable terms","Status":"Read conditionally","Claims/sources/branches":"C013–C014,C037","Remaining evidence or boundary":"Electronic/contract application held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2—possession clauses","researcher_record":{"Requested question/subquestion":"2—possession clauses","Status":"Complete material clauses read","Claims/sources/branches":"C015–C017","Remaining evidence or boundary":"Breach-of-peace construction unresolved"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Judicial versus self-help","researcher_record":{"Requested question/subquestion":"Judicial versus self-help","Status":"Distinguished","Claims/sources/branches":"S008,S010; B06–B07","Remaining evidence or boundary":"No operational filing/service guide"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Cure/reinstatement","researcher_record":{"Requested question/subquestion":"Cure/reinstatement","Status":"Special title-loan cure established provisionally","Claims/sources/branches":"C021,C055","Remaining evidence or boundary":"No universal right inferred"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Waiver limits","researcher_record":{"Requested question/subquestion":"Waiver limits","Status":"Addressed","Claims/sources/branches":"C013,C037","Remaining evidence or boundary":"No actual waiver"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Actor/custody duties","researcher_record":{"Requested question/subquestion":"Actor/custody duties","Status":"Addressed","Claims/sources/branches":"C018–C019","Remaining evidence or boundary":"No actual possession/accounting"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"3—commercial reasonableness","researcher_record":{"Requested question/subquestion":"3—commercial reasonableness","Status":"Statutory standards read","Claims/sources/branches":"C023,C048","Remaining evidence or boundary":"Judicial application held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Notice recipients/content/method","researcher_record":{"Requested question/subquestion":"Notice recipients/content/method","Status":"Material complete clauses read","Claims/sources/branches":"C025–C028","Remaining evidence or boundary":"Recipient/electronic facts absent"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Timeliness and safe harbor","researcher_record":{"Requested question/subquestion":"Timeliness and safe harbor","Status":"Idaho wording preserved","Claims/sources/branches":"C026","Remaining evidence or boundary":"Official current body held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Sale versus collection/acceptance","researcher_record":{"Requested question/subquestion":"Sale versus collection/acceptance","Status":"Distinguished","Claims/sources/branches":"C029–C041","Remaining evidence or boundary":"No election or actual transaction"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Expenses/application order","researcher_record":{"Requested question/subquestion":"Expenses/application order","Status":"Addressed symbolically","Claims/sources/branches":"C030–C031","Remaining evidence or boundary":"Expense validity and amount not determined"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Surplus/deficiency","researcher_record":{"Requested question/subquestion":"Surplus/deficiency","Status":"Conditional framework","Claims/sources/branches":"C032,C042–C046","Remaining evidence or boundary":"Special restrictions and proof remain"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Gross versus lawful net result","researcher_record":{"Requested question/subquestion":"Gross versus lawful net result","Status":"Distinguished","Claims/sources/branches":"C030,C043,C059","Remaining evidence or boundary":"No filled ledger or debt computation"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"4—redemption","researcher_record":{"Requested question/subquestion":"4—redemption","Status":"Complete indispensable clause read","Claims/sources/branches":"C036–C037","Remaining evidence or boundary":"Tender/construction held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Acceptance/objections","researcher_record":{"Requested question/subquestion":"Acceptance/objections","Status":"Complete material clauses read","Claims/sources/branches":"C038–C041","Remaining evidence or boundary":"No consumer prohibition invented"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer-goods percentage/time","researcher_record":{"Requested question/subquestion":"Consumer-goods percentage/time","Status":"Correct bases distinguished","Claims/sources/branches":"C040","Remaining evidence or boundary":"No actual calculation"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Consumer deficiency reservation","researcher_record":{"Requested question/subquestion":"Consumer deficiency reservation","Status":"Text checked; reservation not present","Claims/sources/branches":"C044","Remaining evidence or boundary":"Official text/judicial law still held"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Remedial/proof consequences","researcher_record":{"Requested question/subquestion":"Remedial/proof consequences","Status":"Narrowly read","Claims/sources/branches":"C042–C049","Remaining evidence or boundary":"Full remedies/enforcement excluded"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"5—version/effect/application","researcher_record":{"Requested question/subquestion":"5—version/effect/application","Status":"Partial","Claims/sources/branches":"C050–C054; S012–S015","Remaining evidence or boundary":"Original adopted acts not recovered"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Current/future/proposed distinctions","researcher_record":{"Requested question/subquestion":"Current/future/proposed distinctions","Status":"Preserved","Claims/sources/branches":"C054","Remaining evidence or boundary":"No exhaustive2026no-change claim"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Unread incorporations","researcher_record":{"Requested question/subquestion":"Unread incorporations","Status":"Listed","Claims/sources/branches":"Sources/branches","Remaining evidence or boundary":"Each remains a dependency"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Interstate/local/tribal/bankruptcy","researcher_record":{"Requested question/subquestion":"Interstate/local/tribal/bankruptcy","Status":"Excluded","Claims/sources/branches":"C056; B26","Remaining evidence or boundary":"Separate investigations"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Visible registers/quantities/branches","researcher_record":{"Requested question/subquestion":"Visible registers/quantities/branches","Status":"Supplied","Claims/sources/branches":"Sections8–11","Remaining evidence or boundary":"Conditional evidence, not acceptance"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Blank worksheet","researcher_record":{"Requested question/subquestion":"Blank worksheet","Status":"Supplied unfilled","Claims/sources/branches":"Section12","Remaining evidence or boundary":"No invented narrative"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Read/failure/selfcheck","researcher_record":{"Requested question/subquestion":"Read/failure/selfcheck","Status":"Supplied","Claims/sources/branches":"Section14","Remaining evidence or boundary":"Not independent review"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Registry dimension6","researcher_record":{"Requested question/subquestion":"Registry dimension6","Status":"Partial/conditional","Claims/sources/branches":"All above","Remaining evidence or boundary":"Does not complete real-property or other secured sectors"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Earlier holds","researcher_record":{"Requested question/subquestion":"Earlier holds","Status":"Unchanged","Claims/sources/branches":"C060","Remaining evidence or boundary":"No provider/source/checklist acceptance"},"raw_table_index":24,"coordinator_acceptance":"scoped_review_complete_with_targeted_narrative_correction_and_source_application_holds","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_ID-P09-secured-property-selected-text-and-correction-20261028","status":"reviewed_targeted_narrative_correction_required_currentness_and_application_held","at":"2026-10-28T15:35:28.528578+00:00"}]}