{"meta":{"key":"s_id--pass-12","task":"S_ID","title":"SID Idaho payday/deferred-deposit credit, charges, and borrower protections","parent_title":"Idaho debt and debt relief law","edition":"pass-12","path":"/research/s_id--pass-12/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":24,"claims":48,"sources":15,"review_status":"reviewed_with_official_currentness_general_special_term_refund_fee_federal_incorporation_and_application_holds","review_complete":true,"sha256":"02a41ef9a21d269e6591a8983246f50804485be9fcd8590cb431f216fbe940f6","headings":["Principal findings","1.1 Product and actor matrix","1.2 Territorial and exemption qualifications","1.3 Generic licensing requirement and specific consequence","2.1 Source-stated restrictions","2.2 Fee permission is not unlimited-fee permission","2.3 Disbursement and repayment","2.4 General installment-term incorporation: unresolved interaction","3.1 Different rights and reference events","3.2 Extended payment plan: statute","3.3 First-payment timing: official guidance, not enacted text","3.4 Refund and precomputed-charge hold","4.1 Product-specific dishonor restriction","4.2 Complete material § 28-22-105 qualifications","4.3 Notice of dishonor: separate events","4.4 Civil debt, criminal threats, and default","4.5 Wage assignments, confession of judgment, and attorney fees","4.6 Assignment notice and payment records","5.1 Payday disclosures","5.2 Regulator and records","5.3 Remedies must be matched to the violation","5.4 Disclosure remedies and nonwaiver","7.1 Regulation Z: the state label does not control federal classification","7.2 Other regimes remain explicit dependencies","S001 — fresh failure record","S002–S004 — official Idaho operational and legal-status pages","S005 — 2025 Idaho Code reproduction: statutory usage register","S005-A. Payday Part 4","S005-B. Scope, definitions, nonwaiver, and licensing cross-references","S005-C. Charges, prepayment, disclosure, and agreement restrictions","S005-D. Remedies and default","S005-E. Dishonored-check incorporations","S006 — older receipt/account-statement reproduction","S007 — older disclosure-remedy reproduction","S008 — official EPP interpretation","S009 — official 2014 implementation release","S010 — 2014 legislative text and status","S011 — official 2003 implementation release","S012 — official administrative-rule status","S013 — Regulation Z operative text","S014 — official Regulation Z interpretation","S015 — discovery-only federal and proposal locators","Actual research performed","PDF text versus page pixels","Exact remaining gaps"],"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-12","facets":{"geography":["us","us-id"],"debt_type":["payday","unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independent payday/deferred-deposit sector and necessary credit-code classification/charges/borrower protections; title/secured/medical/garnishment and broad federal regimes excluded.","pending_corrections":0},"markdown":"# S_ID PASS-12 — Idaho payday/deferred-deposit credit, charges, and borrower protections\n\n**Fresh public-source access date:** **October 28, 2026, America/Los_Angeles.**\n\n**Scope:** The payday/deferred-deposit sector component of registry dimension 6, with only the necessary classification, disclosure, collection, and remedy interfaces.\n\n**Evidence disposition:** The official Idaho statutory routes attempted in this pass did not yield readable operative bodies. The principal Idaho statutory findings are therefore **provisional readings of the identified 2025 reproductions**. Two incorporated provisions were recovered only in older editions, identified separately below. Official Department of Finance materials, an official rule-status index, and current-published federal Regulation Z text and commentary were read. These do not replace authentication of the current Idaho statutes or their final enactment chain.\n\nEarlier raw findings, provenance, C033/C035, and other holds remain unchanged. No prior sector report supplies a substantive payday finding here.\n\n## Principal findings\n\n**Idaho’s payday category is a defined deferred-check arrangement, including specified electronic equivalents—not every small loan.** Part 4 incorporates the Idaho Credit Code’s regulated-loan provisions except Part 3 of chapter 46. That incorporation makes consumer-credit classification and several general protections material, but it does not turn a general lender license into proof of payday authority. **[C002–C006.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/)\n\n**The operative distinctions include principal, check amount, cash advanced, fee, finance charge, and APR.** They must not be collapsed into one number. The reproduced text sets principal and aggregate restrictions, requires dollar and APR disclosures, and permits only the payday fee and specifically authorized additional charges. Its state-law description of the payday fee does not decide federal finance-charge treatment. **[C007–C013.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/)\n\n**The no-cost rescission right, check-redemption right, general prepayment provision, and extended payment plan are different protections.** “Fully earned” cannot be read in isolation from the express rescission right or converted into a universal conclusion that every early-payment refund is prohibited. **[C016–C022.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/)\n\n**A dishonored payment is not automatically fraud.** The payday provision prohibits criminal threats for a payment deficit, bars treble damages, and incorporates only the specified dishonored-check charges with its own disclosure condition. The incorporated check law has additional notice, contract, court-fee, and justifiable-stop-payment qualifications. **[C023–C026.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/)\n\n**Two important cross-reference questions remain unresolved:** the application of the general small-loan installment/term provision to the special payday structure, and the relationship between the general precomputed-charge rebate provision and the payday-specific earned-fee language. Neither gap is resolved by declaring unlimited terms or universally nonrefundable fees. **[C014, C022.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/)\n\n# 1. Classification, actors, and territorial scope\n\nThe following status labels apply throughout:\n\n- **P — Provisional:** Idaho statutory wording read in a dated secondary reproduction.\n- **O — Official body or publication read:** within its identified scope and date.\n- **E — eCFR:** authoritative but unofficial current-published federal regulatory text.\n- **H — Held:** an indispensable currentness, incorporation, construction, or application dependency remains unresolved.\n\n## 1.1 Product and actor matrix\n\n| Category | Rule established by the read text | Boundary |\n| --- | --- | --- |\n| **Payday loan** | A written arrangement under which the creditor accepts the maker’s check, defers negotiation/deposit/presentment for an agreed period, and advances the check amount less the permitted fee. | A small principal amount or short maturity alone does not establish this category. |\n| **Check for Part 4** | Includes the stated electronic equivalent and authorization to withdraw an agreed amount from the borrower’s account. | This expanded definition does not automatically satisfy every UCC “check” incorporation. |\n| **Licensee** | Includes a person licensed **or required to be licensed** under Part 4. | Lack of a license does not remove the actor from duties directed to required licensees. |\n| **Regulated consumer loan** | Requires the applicable Credit Code loan, consumer-purpose, regulated-credit, and exclusion predicates. | A business-purpose label, internet channel, installment schedule, or bank affiliation is not conclusive. |\n| **Supervised financial organization** | The incorporated definition concerns the described authorized and supervised loan-and-deposit institutions. | An institutional label is not proof that the definition is met. |\n| **License-exempt institution** | Section 28-46-402 exempts specified institutions from that section’s licensing requirements. | It does not say every payday conduct provision or every federal law is inapplicable. |\n| **General regulated lender** | Part 3 licensing and payday Part 4 licensing are distinct. | A general license is not proof of payday authorization. |\n| **Assignee or collector** | Particular provisions reach an assignee directly collecting or enforcing, and the payday dishonor restriction expressly reaches a third-party collector. | Assignment does not itself prove ownership, lawful charges, or collection authority. |\n\n**[C002–C006, C024, C030.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/)\n\nSection 28-41-204 generally applies the Credit Code to consumer-purpose transactions, while expressly extending listed provisions to other purposes. Payday Part 4 is not one of the provisions listed there as universally applicable regardless of purpose. The complete definition and exclusion analysis therefore remains necessary; the payday label alone does not decide a business-credit branch. **[C003.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/)\n\n## 1.2 Territorial and exemption qualifications\n\nSection 28-41-201 contains several distinct connections to Idaho, including the place where a signed agreement is received and Idaho-resident transactions resulting from solicitation in Idaho, expressly including internet solicitation. It also contains physical-presence, nonresident, address-presumption, choice-of-law, and enforcement-proceeding qualifications. **[C004.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/)\n\nIts licensing cross-reference to § 28-46-301 must be read carefully against § 28-46-401’s exclusion of Part 3 from the otherwise incorporated regulated-loan provisions. This pass does not resolve every overlap by importing Part 3 wholesale.\n\nThe complete § 28-41-202 exclusions were read. They include the specified government credit, insurance-premium, regulated-utility, and limited pawnbroker branches. Those exclusions are not interchangeable with § 28-46-402’s institutional licensing exemptions. **[C005.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/)\n\nNo actual residence, solicitation, contract location, charter, federal preemption, tribal status, or license was investigated.\n\n## 1.3 Generic licensing requirement and specific consequence\n\nSection 28-46-402 requires licensing before the covered business is engaged in, offered, made, or arranged, and requires a separate license for each location. It does not establish an actual license from an application or public statement.\n\nFor a payday loan **made in Idaho in violation of that licensing requirement**, subsection (3) expressly makes the loan void, uncollectible, and unenforceable, and removes the borrower’s obligation to pay principal or fees. It also identifies recovery from the violator or an assignee undertaking direct collection or enforcement. The administrator has the specified recovery and cease-and-desist authority. **[C006.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/)\n\nThis is a specific statutory consequence. It is not extended to every other violation without a separate source.\n\n# 2. Principal, charges, terms, security, and payment mechanics\n\n## 2.1 Source-stated restrictions\n\n| Issue | Reproduced statutory relation | Qualification |\n| --- | --- | --- |\n| Individual principal | No more than **$1,000** | Principal is not automatically the check face amount or net proceeds. |\n| Aggregate outstanding | Same licensee and common-control persons may not exceed the stated **$1,000 aggregate-principal** relation, plus allowable fees | Not a verified statewide aggregate across all unrelated lenders. |\n| Income relation | Payday loan may not exceed **25% of gross monthly income when made** | The text says “payday loan”; no unsupported substitution of net cash, check face, or another base is made. |\n| Income information | Obtained at least once every **twelve months** | The statute provides its own evidence-or-written-representation condition. |\n| Written agreement | Borrower-signed writing with licensee name, date, principal, and total condition-of-credit fees in dollars and APR | Does not establish compliance with every federal disclosure rule. |\n| Fee posting | Conspicuous dollar fee **per $100** at each licensed location | The $100 figure is a disclosure unit, not a fee ceiling. |\n| Security | Only the permitted borrower check; no other property, title, or evidence of ownership as collateral | Does not import title-loan or repossession rules. |\n| Electronic representment | No more than **two electronic representments** | “Representment” is not silently rewritten as total attempts or a federal safe harbor. |\n\n**[C007–C010, C015.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/)\n\nThe income provision states that the lender is not in violation of the 25% subsection if the borrower presents evidence of gross monthly income **or** makes the specified written representation. This is not replaced by an invented verification standard or an actual affordability determination.\n\n## 2.2 Fee permission is not unlimited-fee permission\n\nSection 28-46-412(3) permits a fee for each payday loan, describes it as earned at the transaction date, and prohibits other charges except those specifically provided by the Act. Section 28-42-201’s general agreed-finance-charge rule remains subject to special limitations and prohibitions. **[C011.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/)\n\nNeither of those read provisions supplies a numerical payday origination-fee ceiling. That bounded textual finding is **not** a conclusion that any fee or APR is lawful. The relevant restraints include:\n\n- Product-specific additional-charge restrictions.\n- Rescission and payment-plan protections.\n- Unfair/deceptive-conduct and applicable unconscionability rules.\n- Federal rules whose independent predicates must be met.\n- The unresolved official-current-text and amendment-chain questions.\n\nThe state statement that the fee is not interest does not determine whether it is a federal **finance charge**. That federal distinction is addressed narrowly in Section 7. **[C012, C044.]**\n\n## 2.3 Disbursement and repayment\n\nThe statute permits the listed cash, business-check, money-order, electronic-transfer, and other reasonable electronic disbursement methods, but prohibits an additional charge to access the payday proceeds. Repayment methods have their own agreement conditions. Only one postdated check may secure the described transaction, and endorsement must use the actual business name before negotiation or presentment. **[C013.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/)\n\nNone of those state clauses establishes valid federal electronic authorization, irrevocability, compulsory-use compliance, or permission for a particular debit.\n\n## 2.4 General installment-term incorporation: unresolved interaction\n\nSection 28-43-310, read in full, addresses regulated consumer loans that are not open-end credit and have principal of $1,000 or less. It requires substantially equal installments at equal intervals, subject to seasonal or irregular income, and states maximum periods of:\n\n- **Thirty-seven months** when principal exceeds $300.\n- **Twenty-five months** when principal is $300 or less.\n\n**[C014.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/)\n\nBecause § 28-46-401 incorporates regulated-loan provisions except Part 3 of chapter 46, this section cannot be ignored merely because § 412 describes an agreed check-holding period. But the exact reconciliation of the general installment rule with the special payday and EPP provisions was not established by an official interpretation or controlling construction.\n\nAccordingly, this report does **not** state that payday loans have no maximum term, that every payday agreement must follow a particular installment schedule, or that the general maximum automatically resolves a given payday arrangement.\n\n# 3. Renewal, rescission, extended payment plans, and early payment\n\n## 3.1 Different rights and reference events\n\n| Protection or restriction | Source-stated operation | What must not be substituted |\n| --- | --- | --- |\n| Renewals | At most three consecutive renewals, then full repayment | Not three new loans free of the other restrictions. |\n| Same/common-control refinancing | Repayment from another payday loan’s proceeds is prohibited | A new document does not evade the rule. |\n| New loan after completion | Permitted by the stated clause after the prior loan is completed | Other aggregate, income, renewal, and repayment restrictions still matter. |\n| Statutory completion | For the check-secured branch, presentation/deposit or borrower redemption | Not necessarily final bank clearance. |\n| Rescission | No cost, before close of business on the next business day, through repayment of principal in cash or immediately available funds | Notice alone is not the stated tender condition. |\n| Check redemption | Before presentment/deposit, by payment of the full check amount in immediately available form | Not the no-cost principal-only rescission right. |\n| General full prepayment | Section 28-42-306 permits it without penalty, subject to § 307 | Does not itself determine the payday fee rebate. |\n\n**[C016–C018, C022.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/)\n\nNo statutory definition of “business day” sufficient to calculate the payday rescission deadline was authenticated in this pass. The operative “prior to close of business” language and the prescribed disclosure’s shorter wording are preserved without calculating a date.\n\n## 3.2 Extended payment plan: statute\n\nSection 28-46-414 requires the lender to allow the specified request **once during any consecutive twelve-month period**. The plan must be written and executed no later than the original due day. It must provide at least four equal payments over at least sixty days and include the prescribed disclosures.\n\nThe plan obligation may not exceed the amount owed under the original terms. No interest or additional fee is permitted except the incorporated dishonored-payment branch. Default permits the stated termination and acceleration; while the borrower complies, collection activities may not be initiated. **[C019–C020.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/)\n\nThis is not an unlimited right to repeated plans, a mandatory debt reduction, a new fee-earning event, or a definition of every kind of default.\n\n## 3.3 First-payment timing: official guidance, not enacted text\n\nThe Department’s July 1, 2020 guidance interprets the first EPP payment as due no earlier than the greater of the original loan period or two weeks after the plan is entered. It explains why an immediate initial payment can defeat the plan’s purpose.\n\nThe document’s heading contains a **§ 28-46-114 citation**, while its body discusses § 28-46-414. That discrepancy is recorded, not silently corrected into a different statute. The guidance says it replaces the October 9, 2014 statement. **[C021; S008.]** [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf)\n\nThe Department’s legal page expressly distinguishes guidance from law. Thus, the first-payment interpretation is recorded as the agency’s position, not as words added to § 414.\n\n## 3.4 Refund and precomputed-charge hold\n\nSection 28-42-307 contains a general unearned-finance-charge rebate structure for qualifying precomputed transactions, with its own exceptions, minimum-charge rules, accelerated-judgment provision, and additional incorporations. The complete body was read, but no rebate formula was calculated. **[C022.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/)\n\nThree distinctions remain:\n\n1. The express payday rescission right controls its own no-cost branch.\n2. Check redemption uses the full check amount.\n3. General prepayment/rebate law requires a qualifying transaction and reconciliation with § 412’s special fee language.\n\nNeither a blanket prorated-refund entitlement nor a blanket “never refundable after the transaction date” rule is established.\n\n# 4. Dishonored payment, default, assignment, wages, and collection charges\n\n## 4.1 Product-specific dishonor restriction\n\nThe payday provision permits only § 28-22-105 charges that are disclosed in the loan agreement when the check is returned unpaid by the payor institution. It prohibits treble damages and carries the specified restriction into third-party collection. **[C023.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/)\n\nThe incorporated statute uses a **UCC § 28-3-104 check**. Part 4’s broader electronic definition does not automatically prove that every electronic payment falls within that separate incorporation.\n\n## 4.2 Complete material § 28-22-105 qualifications\n\n| Branch | Required conditions and consequence |\n| --- | --- |\n| Statutory interest/collection-cost route | Dishonor, the stated unpaid period, and § 106 notice; where the check does not provide for the listed charges, the text permits 12% annual interest from dishonor and collection cost capped at the lesser of $20 or check face amount. |\n| Written-agreement/posted-fee alternative | The stated flat collection fee may be assessed without § 106 notice, but may not exceed $20. |\n| Payday overlay | The payday loan-agreement disclosure requirement still applies; a point-of-sale sign alone is not treated as satisfying it. |\n| Court attorney fees | The statute’s notice and period conditions apply; its collection-agency/small-claims exception must be preserved. |\n| Justifiable stop payment | The section does not apply to a check dishonored for that reason. |\n\n**[C024.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/)\n\nThe flat-fee alternative does not automatically waive conditions for every other statutory charge.\n\n## 4.3 Notice of dishonor: separate events\n\nSection 28-22-106 permits certified mail to the last-known address or regular mail supported by a retained mailing affidavit to the check address. It contains a three-day conclusive-notice provision tied to execution of that affidavit. Its prescribed notice uses fifteen days after postmark, while the actual-notice qualification in subsection (4) uses fifteen days of actual notice of dishonor. **[C025.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/)\n\nThose events are not collapsed into one assumed deadline. The generic blank statutory form was read but not filled. No mailing, receipt, notice, identity presumption, or stop-payment justification is determined.\n\n## 4.4 Civil debt, criminal threats, and default\n\nThe payday text prohibits criminal threats arising from a payment deficit and unfair or deceptive payday-business conduct. It does not adjudicate whether unrelated conduct satisfies an offense, nor does a returned payment alone establish fraud. **[C026.]**\n\nFor the applicable regulated-consumer-credit branch, § 28-45-107 restricts contractual default to required-payment failure or significant impairment of payment, performance, or realization of collateral, with the creditor bearing the specified impairment burden. Section 28-45-301 limits default charges to those authorized by the Act, apart from its stated security-realization qualification. That exception does not authorize otherwise prohibited payday collateral. **[C027.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/)\n\n## 4.5 Wage assignments, confession of judgment, and attorney fees\n\n| Provision | Narrow finding |\n| --- | --- |\n| § 28-43-304 | The prohibited earnings assignment is distinct from a qualifying **revocable** earnings-deduction authorization. The latter requires the specified copy and conspicuous revocation notice. |\n| § 28-43-305 | The defined confession-of-judgment authorization is prohibited and void. |\n| § 28-43-311 | A regulated consumer loan agreement with principal of $1,000 or less may not provide for the debtor’s payment of attorney fees; the prohibited term is unenforceable. |\n| § 28-22-105 | A separate court-awarded dishonored-check fee branch has its own conditions. |\n\n**[C028–C029.]** These provisions do not determine wage garnishment, bank-debit authorization, or an actual court award. [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/)\n\n## 4.6 Assignment notice and payment records\n\nSection 28-43-202 identifies when assignment notice changes the payment recipient and requires seasonable reasonable proof upon request. It does not establish that an asserted assignee owns the obligation.\n\nThe § 28-45-302 seller-assignee claims-and-defenses rule is expressly a **consumer-credit-sale** branch; it is not automatically imported into a standalone payday loan. **[C030.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/)\n\nThe payment-receipt provision was recovered only in a **2022** reproduction. It addresses free cash/coin receipts, specified periodic-statement treatment, requested twelve-month payment information, one free statement per year, and acknowledgment of full payment on request outside open-end credit. Its general additional-statement charge is not treated as a newly authorized payday fee. **[C031.]** [Justia Law](https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/)\n\n# 5. Disclosure, administration, remedies, and nonwaiver\n\n## 5.1 Payday disclosures\n\nBefore disbursement, § 28-46-415 requires the prescribed written disclosures in at least twelve-point, bold, capitalized text. The six topics concern short-term use, renewal fees, rescission, high cost and alternatives, written complaints to the Department, and the annual EPP opportunity. **[C032.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/)\n\nA required complaint-address disclosure is not an accepted complaint, proof of violation, regulator adjudication, or preservation of every possible claim.\n\n## 5.2 Regulator and records\n\n| Provision | Generic duty or power | Limit |\n| --- | --- | --- |\n| § 28-46-103 | Administrator is the Director of the Department of Finance. | Institutional role only. |\n| § 28-46-407 | Notice/hearing-based suspension or revocation on the listed grounds. | No actual violation or license action. |\n| § 28-46-408 | Written event reporting within fifteen days for the specified events and persons. | Not every event concerning every affiliate; the statute’s ownership/role conditions matter. |\n| § 28-46-409 | GAAP records, reasonable availability, access, and composite annual reporting. | The “need not preserve more than two years after due date” wording is not a universal destruction authorization overriding other law. |\n| § 28-46-410 | Examination/investigation, record access, costs, and subpoena/court-enforcement powers. | Not an actual examination or record request. |\n| § 28-46-411 | Administrative Procedure Act applies except where otherwise provided. | Full APA hearing, review, and remedy law was not completed. |\n\n**[C033–C035.]** [Justia Law+4](https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/)\n\n## 5.3 Remedies must be matched to the violation\n\nSection 28-45-201 separates several branches:\n\n| Branch | Consequence | Qualification |\n| --- | --- | --- |\n| Enumerated violations | Actual damages and the specified nonclass penalty range | Not every payday violation automatically fits every listed incorporation. |\n| Excess charge | Not owed; refund may reduce the obligation; specified direct-collecting assignee liability | The lawful amount must first be established. |\n| Excess charge or delayed refund | Separate nonclass penalty branch, including its demand/reasonable-time condition | Thirty days is a presumption in that branch, not every refund deadline. |\n| Effect on debt | Ordinarily does not impair rights on the debt **except as otherwise provided** | The specific payday unlicensed-loan rule is not erased. |\n| Timely self-correction | Conditional protection from the specified penalties | Not a universal cure of all consequences. |\n| Bona fide error | Statutory intent, procedures, and burden requirements | No actual defense found. |\n| Successful statutory violation finding | Court-awarded costs and attorney fees under subsection (8) | No guaranteed recovery or accepted claim. |\n\n**[C036–C039.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/)\n\nThe special remedy periods are registered below only as necessary conditions of these remedies; ordinary debt limitation law was not rerun.\n\n## 5.4 Disclosure remedies and nonwaiver\n\nSection 28-43-201 incorporates federal disclosure compliance only for transactions to which the defined federal law applies. The recovered **2024** § 28-45-203 reproduction has its own civil-disclosure, timing, alternative-liability, and final-judgment qualifications. It does not create universal federal rescission for every payday loan. **[C040.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/)\n\nSection 28-41-106 limits waiver while preserving its stated good-faith settlement and compromise branches and court scrutiny of unconscionable settlements. Section 28-41-105 supplies severability. Neither validates an actual agreement. **[C041.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/)\n\n# 6. Rule status and enactment/currentness\n\n| Evidence | What was actually established | Limit |\n| --- | --- | --- |\n| 2003 official IDOF release | Historical agency description of the payday licensing regime beginning July 1, 2003 | Not the original enacted body or proof of current wording |\n| 2014 S1314 | Introduced legislative text adding EPP/disclosure rules and modifying payday practices; secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014 | Final official session law was not recovered |\n| 2014 official IDOF release | Agency stated July 1, 2014 implementation | Guidance does not substitute for enacted text |\n| 2020 EPP guidance | Agency’s first-payment interpretation; replaces the 2014 guidance | Nonbinding interpretation, including a heading citation discrepancy |\n| Official IDAPA index | IDAPA 12.01.09 recorded as expired March 31, 2022 | Not an exhaustive audit of every later rule/order |\n| § 28-41-302 | Federal Consumer Credit Protection Act incorporation uses January 1, 2005 or a later rule-adopted date | A later valid adopted date was not authenticated |\n| 2024 rate-cap proposal lead | Secondary discovery indicated a failed proposal | No proposed cap imported into law |\n| 2025/2026 currentness searches | No authenticated replacement enactment was recovered | Search silence is not proof of no change |\n\n**[C042–C043.]** [Department of Finance+4](https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf)\n\n# 7. Narrow federal finding and exact federal holds\n\n## 7.1 Regulation Z: the state label does not control federal classification\n\nThe current-published official Regulation Z interpretation expressly addresses deferred-check/payday arrangements and electronic account-debit substitutes. Such deferral is credit; a fee can be a finance charge under § 1026.4 regardless of its state-law label.\n\nThat conclusion remains conditional on Regulation Z’s consumer-credit, creditor, purpose, coverage, and exemption predicates. The relevant operative definitions, exemptions, and complete § 1026.4 were read. No actual creditor status, APR, disclosure sufficiency, or federal liability was determined. **[C044.]** [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1026/2/)\n\nThe eCFR displayed currency through **October 26, 2026** and a Title 12 last-amended date of **October 23, 2026**. Those are not the effective date of the payday commentary or proof that every unrelated amendment’s legal status was audited.\n\n## 7.2 Other regimes remain explicit dependencies\n\n| Regime | Exact generic authority inquiry | No positive conclusion made here |\n| --- | --- | --- |\n| Full TILA disclosures/APR | 12 C.F.R. §§ 1026.17, 1026.18, 1026.22 and applicable definitions/appendices | No APR conversion, disclosure calendar, or actual rescission right |\n| Military Lending Act | 10 U.S.C. § 987; 32 C.F.R. §§ 232.3–232.6, 232.8 and current exceptions | No covered-borrower finding or military-rate calculation |\n| Electronic payments | EFTA and 12 C.F.R. §§ 1005.3, 1005.10 and relevant authorization/error provisions | No valid debit, irrevocability, compulsory-use, or stop-payment determination |\n| Federal payday payment rules | 12 C.F.R. Part 1041, especially §§ 1041.2, .3, .8, .9, .12 and current legal status | Idaho’s two-representment rule is not equated with a federal attempt rule |\n| Bank/preemption | 12 U.S.C. §§ 85, 86, 1831d and applicable federal regulations | State licensing exemption is not federal preemption |\n| Bankruptcy | Applicable stay, discharge, claim, and avoidance provisions | No collectible-balance or payment permission |\n| Tribal/interstate/local | Sovereignty, jurisdiction, governing-law, and local-authority provisions | No immunity, nationwide authorization, or favorable-law choice |\n| Privacy | Applicable GLBA/Regulation P and state privacy rules | No authority to access or disclose records |\n| Federal collection/reporting | FDCPA/Regulation F and FCRA coverage, exclusions, and operative provisions | No actual collector/reporting status or liability |\n\n**[C045.]** These are held dependencies, not broad federal summaries.\n\n# 8. Source and usage register\n\nAll fresh access occurred **October 28, 2026, Pacific time**. Short source IDs below carry the prefix **S_ID-P12-**.\n\n## S001 — fresh failure record\n\n| Literal URL | Actual observation |\n| --- | --- |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401 | Restricted official section route |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412 | Restricted official section route |\n| https://www.legislature.idaho.gov/legislation/2014/S1314.htm | Historical official route failed |\n| https://www.legislature.idaho.gov/legislation/2014/S1314.pdf | Visible ordinary bill link failed |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/ | 2025 body not recovered; older edition identified separately |\n| https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html | Access denied |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/ | 2025 body not recovered; 2024 edition identified separately |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Initial transient failure; later readable body recovered |\n\nNo failure was treated as repeal, absence of a protection, or evidence that wording remained unchanged.\n\n## S002–S004 — official Idaho operational and legal-status pages\n\n| Source | Issuer/title/literal URL | Actual read and limitation |\n| --- | --- | --- |\n| **S002** | IDOF, *Statutes and Rules* — https://www.finance.idaho.gov/legal/statutes-and-rules/ | Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text. |\n| **S003** | IDOF, *Guidance* — https://www.finance.idaho.gov/legal/guidance/ | Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date. |\n| **S004** | IDOF, *Consumer Credit* — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/ | Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied. |\n\n## S005 — 2025 Idaho Code reproduction: statutory usage register\n\n**Publisher:** Justia. **Status:** Secondary 2025 reproduction with currentness disclaimer. This is one publication family; section uses are not independent corroboration.\n\n### S005-A. Payday Part 4\n\nAll listed section bodies and displayed histories were read completely.\n\n| Literal URL | Exact reliance | Displayed source credit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/ | Definitions and incorporation | 2003 ch.182 §1 p.491; 2014 ch.270 §1 p.674 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/ | Licensing, exemptions, unlicensed-loan consequences | 2003 p.491; 2006 ch.122 §12 p.354; 2009 ch.175 §1 p.555; 2013 ch.54 §14 p.121 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/ | Suspension/revocation | 2003 p.493; 2006 ch.122 §15 p.355 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/ | Event reporting | 2003 p.493 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/ | Records and annual report | 2003 p.494; 2015 ch.141 §50 p.417 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/ | Examination/investigation | 2003 p.494 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/ | APA incorporation | 2003 p.495 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/ | Complete (1)–(8) | 2003 p.495; 2014 ch.270 §2 p.675 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/ | Complete (1)–(12) | 2003 p.496; 2013 ch.54 §6 p.117; 2014 ch.270 §3 p.675 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/ | Complete introductory clause and (1)–(5) | 2014 ch.270 §4 p.676 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/ | Complete prescribed disclosures | 2014 ch.270 §5 p.677 |\n\nSections 403–406 were not used to complete an application, bond, approval, or renewal investigation.\n\n### S005-B. Scope, definitions, nonwaiver, and licensing cross-references\n\n| Literal URL | Read bounds | Displayed history/limit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Complete severability | 1983 ch.119 §3 p.265 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ | Complete section; reliance on waiver/settlement branches | 1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ | Complete (1)–(9) | 1983 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 p.268 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/ | Complete purpose/scope provision | 1983 p.268; 1994 ch.185 §5 p.606 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/ | Complete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization | 1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed. |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/ | Complete federal-law incorporation | 1983 p.275; amendments through 2005 ch.263 §1 p.808 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/ | Complete administrator definition | 1983 p.300 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/ | Complete licensing/exemption provision, read only for incorporated boundary | 1983 p.307; amendments through 2013 ch.54 §3 p.114 |\n\n### S005-C. Charges, prepayment, disclosure, and agreement restrictions\n\n| Literal URL | Read bounds | Displayed credit/limit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/ | Complete finance-charge provision | 1983 p.275; 1991 ch.278 §1 p.720; 1993 ch.227 §1 p.798 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/ | Complete prepayment provision | 1983 p.278; 1996 ch.244 §1 p.775 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/ | Complete (1)–(9); reliance limited to conditional rebate structure and interaction hold | 1983 p.278. No rebate computation or insurance branch determination. |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/ | Complete dishonored-payment charge incorporation | 1994 ch.185 §4 p.606; 1997 ch.73 §1 p.154 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/ | Complete disclosure incorporation | 1983 p.282 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/ | Complete assignment notice/proof | 1983 p.282 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/ | Complete earnings-assignment restriction and exception | 1983 p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/ | Complete confession prohibition | 1983 p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/ | Complete installment/term section | 1983 p.285 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/ | Complete contractual attorney-fee restriction | 1983 p.285 |\n\nThe general delinquency-charge provision, § 28-42-301, was partially inspected as a lead. It was not used to authorize a payday late fee.\n\n### S005-D. Remedies and default\n\n| Literal URL | Read bounds | Displayed credit/limit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/ | Complete scope | 1983 p.294 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ | Complete unconscionability section | 1983 p.295; no actual agreement assessment |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ | Complete default limitation | 1983 p.296 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/ | Complete (1)–(8); employment-remedy subsection read but not applied | 1983 p.296; 2002 ch.301 §3 p.860 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/ | Complete default-charge restriction | 1983 p.298 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/ | Complete (1)–(3), used to distinguish consumer-credit sales | 1983 p.299; no extension to every loan |\n\n### S005-E. Dishonored-check incorporations\n\n| Literal URL | Read bounds | Displayed credit/limit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/ | Complete notice/charge/court-fee/stop-payment provision | 1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834 |\n| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/ | Complete (1)–(5), including wholly blank statutory notice/affidavit text | 1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835 |\n| https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/ | Complete (1)–(11); reliance on check/demand-draft distinctions | 1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held. |\n| https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/ | Complete body read to understand §105’s attorney-fee exclusion | Displayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans. |\n\nThe default-interest section § 28-22-104 was opened as a lead but not relied on to supply payday interest.\n\n## S006 — older receipt/account-statement reproduction\n\n**URL:** https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/\n\n**Read:** Complete (1)–(3).\n**Edition/status:** **2022 secondary reproduction**, not 2025/current official text.\n**Credit:** 1983 ch.119 §3 p.282.\n**Limit:** Additional statement-charge interaction and currentness remain held.\n\n## S007 — older disclosure-remedy reproduction\n\n**URL:** https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/\n\n**Read:** Complete (1)–(4).\n**Edition/status:** **2024 secondary reproduction**.\n**Credit:** 1983 ch.119 §3 p.298.\n**Limit:** Defined federal-law version and incorporated substantive defenses/rights are not assumed to be identical to current federal law.\n\n## S008 — official EPP interpretation\n\n**Issuer/title:** Idaho Department of Finance, *Payday Extended Payment Plans*, July 1, 2020.\n**URL:** https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf\n\n**Read:** Complete three-page generic guidance.\n**Pixels:** Printed pages 1–3, PDF indices 0–2, inspected.\n**Status:** Official guidance replacing October 9, 2014 guidance; not enacted text. Heading §28-46-114/body §28-46-414 discrepancy preserved.\n\n## S009 — official 2014 implementation release\n\n**Issuer/title:** IDOF, *Payday Loan Act Changes*, June 30, 2014.\n**URL:** https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2014/PressRel-Payday-Loan-Act-Changes.pdf\n\n**Read:** Selected generic first-page legislative/implementation text.\n**Pixels:** Printed page 1/PDF index 0.\n**Limit:** Official historical explanation of July 1, 2014 implementation; statistics and attached material were not used as operative authority.\n\n## S010 — 2014 legislative text and status\n\n- https://legiscan.com/ID/text/S1314/id/952520/Idaho-2014-S1314-Introduced.pdf\n- https://legiscan.com/ID/bill/S1314/2014\n\n**Read:** Complete operative §§1–5 of the five-page introduced bill; status/header/history only.\n**Pixels:** Printed page 4/PDF index 3 inspected.\n**Status:** Introduced-version mirror. Secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014. No final official act or original effective clause was recovered. No sponsor, roster, or individual-vote inquiry.\n\n## S011 — official 2003 implementation release\n\n**Issuer/title:** IDOF, *Law Changes*, June 30, 2003.\n**URL:** https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf\n\n**Read:** Selected payday-law paragraph on printed page 2.\n**Pixels:** Printed page 2/PDF index 1.\n**Status:** Official historical explanation of July 1, 2003 implementation; unrelated sectors not investigated.\n\n## S012 — official administrative-rule status\n\n**Issuer/title:** Idaho administrative-rules cumulative index, IDAPA 12.\n**URL:** https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf\n\n**Read:** Relevant IDAPA 12.01.09 entries and surrounding status context.\n**Pixels:** Printed page 3/PDF index 2.\n**Finding:** Expiration recorded as March 31, 2022.\n**Limit:** Archived rule body and exhaustive later-replacement audit not completed; no current incorporation date inferred.\n\n## S013 — Regulation Z operative text\n\n**Publisher:** eCFR; authoritative but unofficial.\n\n- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1\n- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2\n- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3\n- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4\n\n**Read:** Complete material §1026.1(c); necessary complete consumer-credit, creditor, transaction, and open-end definitions in §1026.2; complete operative exemptions in §1026.3; complete §1026.4(a)–(f).\n\n**Currency:** Displayed through October 26, 2026; Title 12 last amended October 23, 2026.\n**Credits:** §1026.4 displays 76 FR 79772, December 22, 2011, and later 2016/2024 amendments. Original amendment/status chains for unrelated prepaid/overdraft branches were not reconstructed. No such product branch is applied.\n\n## S014 — official Regulation Z interpretation\n\n**Issuer:** CFPB, official interpretations to Regulation Z.\n**URL:** https://www.consumerfinance.gov/rules-policy/regulations/1026/2/\n\n**Read:** Complete comment **2(a)(14)-2**, “Payday loans,” with necessary scope definitions from S013.\n**Limit:** Supports the narrow federal classification proposition, not a complete federal payday report, current APR computation, or actual creditor finding. The original adoption/effective chain of that commentary was not separately reconstructed.\n\n## S015 — discovery-only federal and proposal locators\n\n| URL | Status |\n| --- | --- |\n| https://www.consumerfinance.gov/rules-policy/regulations/1041/ | Official locator discovered; complete operative body/current status not analyzed |\n| https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/ | Official compliance locator discovered; not a positive federal payment-rule finding |\n| https://legiscan.com/ID/bill/S1285/2024 | Secondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report |\n| https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf | Historical commentary-adoption lead discovered; body not opened or used as enacted-current evidence |\n\n# 9. Atomic consequential-claim register\n\nShort claims carry the prefix **S_ID-P12-**.\n\n| Claim | Precise proposition | Source/pinpoint | Status/limit |\n| --- | --- | --- | --- |\n| **C001** | Official current Idaho statutory authentication remains unresolved. | S001–S005 | Source gap, not no-law finding |\n| **C002** | Payday classification uses the defined deferred-check arrangement and electronic extension. | S005-A §401 | P |\n| **C003** | Consumer purpose and listed Credit Code exclusions remain material. | S005-B §§202,204,301 | P/H |\n| **C004** | Idaho nexus and choice-of-law rules have distinct predicates. | S005-B §201 | P; no actual situs |\n| **C005** | Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions. | §§401–402,46-301 | P/H |\n| **C006** | The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers. | §402(3)–(4) | P; no actual violation |\n| **C007** | Written payday agreement and fee disclosures have mandatory content. | §412(1),(4); §415 | P |\n| **C008** | Individual and same/common-control aggregate principal restrictions are distinct. | §§412(2),413(1) | P |\n| **C009** | Income limit and evidence/representation provisions must be read together. | §413(2)–(4) | P |\n| **C010** | Collateral and representment restrictions do not establish federal debit permission. | §§412(5),(8),413(10) | P/H |\n| **C011** | Fee permission is constrained by the special no-other-charge rule. | §412(3); §42-201 | P |\n| **C012** | The state fee label does not decide federal finance-charge status. | §412(3); S013–S014 | P/E/O |\n| **C013** | Proceeds-access charges and repayment methods have separate statutory limits. | §412(5)–(7) | P |\n| **C014** | General installment-term text cannot be ignored, but its payday reconciliation remains held. | §43-310; §46-401 | P/H |\n| **C015** | No statewide unrelated-lender aggregation or automatic fee/base equivalence was established. | §§412–413 | Bounded reading |\n| **C016** | Renewals, new-proceeds repayment, and completion are different restrictions/events. | §413(5),(9) | P |\n| **C017** | Rescission requires timely principal tender and is no-cost. | §413(12) | P; no calendar |\n| **C018** | Check redemption differs from rescission and general prepayment. | §412(5); §42-306 | P |\n| **C019** | EPP request frequency, execution, schedule and amount conditions are statutory. | §414 introductory text,(1)–(3) | P |\n| **C020** | EPP fee/default/collection rules retain the dishonor exception. | §414(4)–(5) | P |\n| **C021** | First-payment timing beyond the statutory schedule is recorded as agency guidance. | S008 | O guidance, not enactment |\n| **C022** | Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission. | §42-307; §412(3) | P/H |\n| **C023** | Payday dishonor charges require disclosure; treble damages are barred. | §413(6) | P |\n| **C024** | §22-105’s charge routes and stop-payment/court-fee exceptions are conditional. | S005-E §105 | P/H |\n| **C025** | Dishonor mailing, affidavit, postmark and actual-notice events differ. | S005-E §106 | P |\n| **C026** | Payment deficit does not authorize criminal threats; unfair/deceptive practices are prohibited. | §413(7)–(8) | P |\n| **C027** | Default and default charges require their own statutory basis. | §§45-107,45-301 | P |\n| **C028** | Wage assignments and revocable deductions are distinct; confession terms are prohibited. | §§43-304–305 | P |\n| **C029** | Small-loan contractual attorney fees differ from conditional court-awarded check fees. | §43-311; §22-105 | P/H |\n| **C030** | Assignment notice/proof does not establish ownership; sale-assignee rules are not universal loan rules. | §§43-202,45-302 | P |\n| **C031** | Receipt/statement duties are supported only by the older recovered edition. | S006 | P, 2022 |\n| **C032** | Predisbursement warning text does not establish accepted complaints or relief. | §415 | P |\n| **C033** | Suspension, reporting and examination powers have statutory predicates. | §§407–411;46-103 | P |\n| **C034** | Record retention wording is not universal destruction permission. | §409 | P |\n| **C035** | Administrative procedure and cost provisions do not decide an actual examination or remedy. | §§410–411 | P/H |\n| **C036** | Enumerated civil penalties are not automatic for every payday violation. | §45-201(1),(3) | P |\n| **C037** | Excess charges have specified nonpayment/refund and assignee consequences. | §45-201(2) | P |\n| **C038** | General debt-preservation text remains subject to specific contrary provisions. | §45-201(4); §46-402 | P |\n| **C039** | Correction, bona fide error, and court-fee provisions qualify remedy analysis. | §45-201(6)–(8) | P |\n| **C040** | State disclosure remedies use a defined federal incorporation and separate conditions. | §43-201; S007; §41-302 | P/H |\n| **C041** | Nonwaiver, settlement exceptions and severability have independent scope. | §§41-105–106 | P |\n| **C042** | Expired rule status does not establish a current later federal incorporation date. | S012; §41-302 | O/P/H |\n| **C043** | Historical agency releases and bill mirrors do not authenticate the whole current law. | S008–S011 | Historical/source limit |\n| **C044** | Conditional federal payday finance-charge classification was read from operative scope and official commentary. | S013–S014 | E/O |\n| **C045** | Other federal/special regimes remain precise dependencies. | Section7.2; S015 | H |\n| **C046** | No universal counting convention, actual fee, APR, payment or deadline was established. | Quantity/read registers | H |\n| **C047** | No actual or invented consumer, lender, account, agreement, payment or case was examined. | Research record | Certain |\n| **C048** | Earlier C033/C035 and unrelated findings remain unchanged. | Supplied scope only | No acceptance by implication |\n\n# 10. Quantities, bases, reference events, and unknowns\n\n| Quantity or relation | Source/base/event | Qualification |\n| --- | --- | --- |\n| $1,000 maximum | Individual principal, §412 | Not check face or net proceeds by assumption |\n| $1,000 aggregate principal, plus allowable fees | Same/common-control outstanding loans, §413(1) | Not all unrelated lenders |\n| 25% | Gross monthly income when loan made | Statutory evidence/representation condition |\n| At least once every twelve months | Income-information refresh | Not each renewal by invented rule |\n| Dollar fee per $100 | Posted fee unit | Not a fee cap |\n| One postdated check | Security for described loan | Other collateral prohibited |\n| Two electronic representments | §412(8) | Not automatically total attempts or federal compliance |\n| Three consecutive renewals maximum | §413(9) | Full repayment thereafter; other restrictions remain |\n| Presentation/deposit or redemption | Special completion event | Not final clearance by assumption |\n| Next business day, prior to close | Rescission tender after making | Business-day definition/counting held |\n| Principal only; no cost | Rescission | Different from full-check redemption |\n| Before presentment/deposit | Check redemption | Full check amount |\n| Once in consecutive twelve months | EPP opportunity | More than once not required |\n| No later than due day | Written EPP execution | Not merely an uncompleted request |\n| At least four equal payments | EPP schedule | No payment amount calculated |\n| At least sixty days | EPP duration | No actual start/end schedule |\n| No greater than original amount owed | EPP obligation | Not debt cancellation |\n| Greater of original loan period or two weeks | Guidance first-payment interval after entering EPP | Nonbinding interpretation, not §414 text |\n| Principal ≤$1,000; not open-end | §43-310 scope | Payday-specific interaction held |\n| More than $300 / $300 or less | General term branches | Strict versus inclusive boundary preserved |\n| Thirty-seven / twenty-five months | General maximum terms | Not declared the resolved payday schedule |\n| Principal ≤$1,000 | Contractual attorney-fee prohibition | Court-statute distinction remains |\n| 12% annually from dishonor | Conditional §22-105 branch | Not ordinary payday interest |\n| Lesser of $20 or check face | Statutory collection-cost route | Required notice/contract conditions |\n| No more than $20 | Alternate flat collection fee | Payday disclosure overlay still applies |\n| Fifteen days | §105 unpaid/notice conditions | Not merged with every §106 event |\n| Fifteen days after postmark | Prescribed dishonor notice | Form read but unfilled |\n| Three days after affidavit execution | Statutory conclusive-notice provision | Separate from actual-notice qualification |\n| Fifteen days actual notice | §106(4) nonreceipt qualification | No actual event |\n| No treble damages | Payday-specific restriction | General small-claims amounts not imported |\n| Fifteen days | Report listed §408 events | Role and ownership predicates apply |\n| At least 25% equity ownership | Specified event-reporting persons | Not a borrower rule |\n| Two years after due date | §409 “need not preserve more than” wording | Other retention laws may apply |\n| May 31 | Composite prior-calendar-year report | No actual filing |\n| Thirty days after demand | Examination-cost payment provision | Not consumer repayment |\n| July 1 annually | Administrator’s examination-rate setting | No rate amount supplied |\n| Preceding twelve months / end-period balance | Requested statement under older §204 | Currentness held |\n| One free statement each year; additional ≤$10 | Older §204 | Payday extra-fee interaction held |\n| $100–$1,000 | Specified nonclass §45-201 penalties | Enumerated violations and defenses |\n| Two years | Specified open-end remedy periods | Not ordinary debt limitation |\n| One year after scheduled/accelerated maturity | Specified non-open-end remedy periods | No actual deadline |\n| Thirty-day presumption | Reasonable refund time after demand in §201(3) | Not every refund deadline |\n| Forty-five days after creditor notice | Conditional penalty-correction period | Must precede stated debtor notice/action conditions |\n| One year from violation | Older §45-203 disclosure action | Incorporated federal law and alternative-liability rules |\n| January 1, 2005 or later adopted date | State federal-law definition | Later valid rule date not authenticated |\n| March 31, 2022 | IDAPA12.01.09 expiration | No current replacement inferred |\n| July 1, 2003 / July 1, 2014 | Historical implementation statements | Final enactment chains remain incomplete |\n| July 1, 2020 | EPP guidance date | Not statutory amendment date |\n| More than four installments / regular-credit criteria | Narrow Regulation Z scope predicates read | No actual creditor determination |\n| More than twenty-five extensions | Relevant generic Regulation Z regularity branch | Calendar and exception qualifications; no count performed |\n| October 26, 2026 | eCFR current-through display | Not clause-effective date |\n| Unknown | Actual agreement date, due date, income base application, request, execution, dishonor, mailing, receipt, default, refund, assignment | None supplied or calculated |\n\nThe numerical actuarial, deferral, insurance, and historical rebate mechanics contained in § 28-42-307 were read but **not adopted as a payday calculation**. Their unresolved incorporations are not converted into applicable quantities.\n\n# 11. Conditional branches and next generic inquiries\n\n| Branch | Required predicate | Supported consequence | Inference to avoid | Exact next generic inquiry |\n| --- | --- | --- | --- | --- |\n| **B01—payday category** | Defined deferred-check/electronic arrangement | Part4 framework | Every small or short loan is payday | Official current §401 and definitions |\n| **B02—consumer purpose** | Credit Code purpose and exclusions | Correct incorporated protections | Label alone decides | Complete generic classification construction |\n| **B03—Idaho nexus** | Territorial statutory connection | Relevant Idaho branch | Online or out-of-state location automatically excludes | Official §201 and jurisdiction law |\n| **B04—institution exemption** | Exact authorized/supervised status | Licensing exception only as written | Exempt from all law | Incorporated institutional definitions/federal law |\n| **B05—unlicensed loan** | Loan made in Idaho violating required license | Specific voidness/recovery provision | Every technical breach voids principal | Official §402; no entity inquiry |\n| **B06—amount limits** | Correct principal/loan/income/aggregate bases | Statutory limits | Check face and net proceeds interchangeable | Generic base construction |\n| **B07—fee** | Permitted payday charge and no prohibition | Conditional fee rule | No numeric cap means unlimited legality | Official current law and special federal rules |\n| **B08—term** | Non-open-end consumer-loan branch and special payday provisions | General text remains relevant | Universal no-term-cap or resolved installment schedule | Reconcile §§43-310 and46-412/414 |\n| **B09—renewal** | Consecutive-renewal and completion facts | Count and repayment restrictions | New paperwork evades them | Generic completion/renewal construction |\n| **B10—rescission** | Timely specified principal tender | No-cost statutory branch | Notice alone or a universal three-day right | Business-day/tender construction |\n| **B11—redemption/prepayment** | Applicable event and transaction classification | Distinct early-payment rights | All early payments have same fee treatment | Reconcile §§412,42-306/307 |\n| **B12—EPP** | Timely request/executed writing and annual availability | Mandatory qualified plan | Unlimited plans or balance forgiveness | Official §414 and first-payment interpretation |\n| **B13—EPP default** | Valid default under plan and applicable law | Termination/acceleration branch | New fees or criminal action follow | Default/charge interaction |\n| **B14—dishonored check** | Qualifying check, return, disclosure, notice and exceptions | Limited charges | Every failed debit is fraud or a UCC check | Complete payment-law incorporation if needed |\n| **B15—assignment** | Valid transfer and statutory notice/proof | Recipient/assignee consequences | Assignment proves ownership or erases defenses | Generic assignment law |\n| **B16—earnings authorization** | Revocable authorization and required copy/notice | Narrow exception | Irrevocable wage assignment or bank debit authority | Complete applicable authorization regime |\n| **B17—records/receipts** | Applicable actor and request/payment event | Statutory records duties | Old edition or generic fee authorizes payday charge | Current §204 and fee interaction |\n| **B18—civil remedies** | Exact violation, timing and statutory defenses | Conditional remedies | Automatic penalty or principal cancellation | Official remedy text and construction |\n| **B19—disclosure law** | Defined federal incorporation and federal scope | Conditional disclosure duty | Current federal text automatically equals state adoption | Valid later adoption rule and §203 |\n| **B20—federal payment/MLA** | Complete federal scope and exclusions | No result yet | State compliance proves federal compliance | Exact Parts1041,1005,232 and current status |\n| **B21—bank/tribal/interstate** | Governing jurisdiction and federal status | Held branch | Blanket immunity/preemption | Generic federal/tribal/conflicts authority |\n| **B22—currency** | Official operative bodies and final amendments | Exact gap can close | Old guide, title, or failed search proves current law | Ordinary official publication recovery |\n\n# 12. Wholly blank analytical worksheet\n\n| Field | Entry |\n| --- | --- |\n| Product definition |  |\n| Governing authority and edition |  |\n| Official-current-text status |  |\n| Consumer-purpose predicate |  |\n| Territorial predicate |  |\n| Licensing category |  |\n| Institutional exemption |  |\n| Principal definition |  |\n| Check-face distinction |  |\n| Aggregate condition |  |\n| Income-condition provision |  |\n| Fee authority |  |\n| Additional-charge restriction |  |\n| APR/disclosure provision |  |\n| Term/schedule incorporation |  |\n| Renewal provision |  |\n| New-proceeds restriction |  |\n| Rescission trigger |  |\n| Redemption trigger |  |\n| Prepayment/refund dependency |  |\n| EPP frequency |  |\n| EPP execution requirement |  |\n| EPP schedule provision |  |\n| EPP default consequence |  |\n| Dishonor definition |  |\n| Notice method and event |  |\n| Criminal-threat restriction |  |\n| Assignment provision |  |\n| Earnings-authorization restriction |  |\n| Record/receipt provision |  |\n| Civil-remedy predicate |  |\n| Correction/error qualification |  |\n| Federal scope dependency |  |\n| Unread incorporation |  |\n| Missing primary evidence |  |\n| Review status |  |\n\nNo field is completed.\n\n# 13. Granular coverage and retained scope\n\n| Requested issue | Disposition | Claims/sources/branches | Remaining dependency |\n| --- | --- | --- | --- |\n| **1—current product classification** | Provisionally established | C002–C005; S005; B01–B04 | Official current bodies |\n| Complete definitions/exclusions | Necessary text read | C003–C005 | External institution and purpose construction |\n| Territorial/online scope | Conditional text read | C004 | No actual jurisdiction |\n| Licensed versus exempt actors | Distinguished | C005–C006 | No license lookup or authority finding |\n| Other small/installment/title loans | Not conflated | C002,C014 | Separate sectors excluded |\n| **2—principal/aggregate/income** | Source-stated limits registered | C007–C010 | Base and currentness dependencies |\n| Fee/interest/APR distinctions | Established narrowly | C011–C012,C044 | No actual charge/APR determination |\n| Security/payment mechanisms | Conditional rules read | C010,C013 | Federal authorization held |\n| Term | Material incorporation read; interaction held | C014; B08 | Official construction |\n| Amendment/effectiveness | Historical evidence recorded | C042–C043 | Final official enactments/current chain |\n| No-cap inference | Rejected | C011 | Other law and official-current verification |\n| **3—renewals/successive loans** | Provisionally answered | C016 | Actual count/completion absent |\n| EPP | Complete statutory branch read | C019–C021 | Guidance versus law preserved |\n| Rescission | Complete operative branch read | C017 | Business-day/tender construction |\n| Redemption/prepayment/refund | Distinguished; rebate interaction held | C018,C022 | No blanket refund conclusion |\n| Default/collection during plan | Conditional text read | C020,C027 | Actual default absent |\n| **4—dishonor charges** | Complete material incorporated clauses read | C023–C025 | UCC/electronic applicability |\n| Criminal threat/fraud | Distinguished | C026 | No offense or actual communication |\n| Assignment/holder rights | Narrowly addressed | C030 | Ownership and general holder law held |\n| Wage/security/bank authorization | Separated | C010,C028 | Garnishment, EFTA and other regimes excluded |\n| Collection attorney fees | Contract/statute distinction preserved | C029 | No court award |\n| **5—regulator powers** | Narrow powers read | C033–C035 | Full APA/process/remedies held |\n| Records/disclosures | Read with edition limits | C007,C031–C034 | Current §204 and federal content |\n| Civil remedies | Conditional branches read | C036–C040 | Exact violation/standing/construction |\n| Nonwaiver/severability | Read | C041 | No actual settlement |\n| Complaint locator | Disclosure only | C032 | No complaint intake or acceptance |\n| **6—Regulation Z** | Narrow positive classification only | C044; S013–S014 | Full disclosure/APR rules excluded |\n| MLA/payment rules/bank preemption | Precise dependencies | C045 | Complete operative bodies/status later |\n| Bankruptcy/tribal/local/privacy/collection | Held | B20–B21 | Separate generic inquiry |\n| **7—literal sources/read bounds** | Visibly registered | Section8 | Official statutory gaps remain |\n| Dates/quantities/counting | Registered | Section10 | No calendar or computation |\n| Conditional branches | Supplied | Section11 | No actual outcome |\n| Blank worksheet | Supplied unfilled | Section12 | No facts inserted |\n| Read/failure/self-check | Supplied | Section14 | Not independent review |\n| C033/C035 and prior reports | Unchanged | C048 | No earlier acceptance implied |\n| Dimension6/7, Idaho, A066, parent | **Not accepted complete** | All findings | Exact currentness and incorporation gaps |\n\n# 14. Read/search/failure log and researcher self-check\n\n## Actual research performed\n\n| Material | Read scope |\n| --- | --- |\n| Payday statutes | Complete §§401–402 and407–415 in the 2025 reproduction |\n| Consumer-credit incorporations | Complete or expressly bounded definitions, scope, fee, term, prepayment, assignment, wage, default, and remedy provisions listed in S005 |\n| Older provisions | Complete 2022 receipt section and 2024 disclosure-remedy section, not promoted to current law |\n| Dishonored-payment law | Complete material §§22-105/106 and necessary check/small-claims bodies; no actual check or offense |\n| Official Idaho materials | Legal-status pages, selected historical releases, complete EPP guidance, relevant rule-index entry |\n| Legislative mirror | Complete operative 2014 bill text and generic history; no final-act claim |\n| Federal law | Necessary Regulation Z scope/definitions/exemptions, complete finance-charge section, and official payday interpretation |\n| Currentness search | Generic official-focused 2025/2026 searches; no absence-of-amendment conclusion |\n| Cases, opinions, actual lenders, rosters, policies, agreements, accounts, completed forms | Not investigated |\n| Prior local reports or linked conversations | Not opened or claimed as fresh evidence |\n\n## PDF text versus page pixels\n\n| Document | Parsed read | Pixels inspected |\n| --- | --- | --- |\n| 2020 EPP guidance | Complete three pages | Printed1–3 / indices0–2 |\n| 2014 IDOF release | Selected first-page legal explanation | Printed1 / index0 |\n| 2003 IDOF release | Selected payday paragraph | Printed2 / index1 |\n| 2014 S1314 mirror | Complete operative five-page bill | Printed4 / index3 |\n| Official IDAPA index | Relevant 12.01.09 entries | Printed3 / index2 |\n\nParsed text was not represented as visual inspection of unviewed pages. Multiple formats were not counted as independent corroboration.\n\n## Exact remaining gaps\n\nThe principal open dependencies are:\n\n1. **Official-current Idaho text and final enactment authentication**, including any later amendments.\n2. **General/special provision reconciliation** for installment terms, precomputed refunds, and certain additional statement or collection charges.\n3. **State federal-law incorporation date**, given § 28-41-302 and the recorded expiration of IDAPA 12.01.09.\n4. **Older-edition provisions**, particularly §§ 28-43-204 and 28-45-203.\n5. **Federal and special-regime applicability**, including MLA, EFTA/Regulation E, Part 1041, federal-bank law, bankruptcy, tribal/interstate/local law, privacy, and federal collection/reporting.\n6. **Judicial construction and actual predicates**, which were deliberately not resolved through cases, records, or invented facts.\n\nNo principal substitution, APR conversion, amortization, loan-cost comparison, payment calculation, deadline calculation, form completion, application, request, election, repayment, debit, collection action, complaint, or filing was performed.\n\nThis is a **researcher self-check, not independent review**. The focused payday component is materially researched but remains **partial and conditional** at the identified source, version, and incorporation gaps. Earlier findings and holds remain preserved. No Idaho, dimension6/7, A066, parent, operational, lending, collection, or publication acceptance follows.\n\nEND S_ID PASS-12.\n\n","tables":[{"headers":["Category","Rule established by the read text","Boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Category","Rule established by the read text","Boundary"],["Payday loan","A written arrangement under which the creditor accepts the maker’s check, defers negotiation/deposit/presentment for an agreed period, and advances the check amount less the permitted fee.","A small principal amount or short maturity alone does not establish this category."],["Check for Part 4","Includes the stated electronic equivalent and authorization to withdraw an agreed amount from the borrower’s account.","This expanded definition does not automatically satisfy every UCC “check” incorporation."],["Licensee","Includes a person licensed or required to be licensed under Part 4.","Lack of a license does not remove the actor from duties directed to required licensees."],["Regulated consumer loan","Requires the applicable Credit Code loan, consumer-purpose, regulated-credit, and exclusion predicates.","A business-purpose label, internet channel, installment schedule, or bank affiliation is not conclusive."],["Supervised financial organization","The incorporated definition concerns the described authorized and supervised loan-and-deposit institutions.","An institutional label is not proof that the definition is met."],["License-exempt institution","Section 28-46-402 exempts specified institutions from that section’s licensing requirements.","It does not say every payday conduct provision or every federal law is inapplicable."],["General regulated lender","Part 3 licensing and payday Part 4 licensing are distinct.","A general license is not proof of payday authorization."],["Assignee or collector","Particular provisions reach an assignee directly collecting or enforcing, and the payday dishonor restriction expressly reaches a third-party collector.","Assignment does not itself prove ownership, lawful charges, or collection authority."]]},{"headers":["Issue","Reproduced statutory relation","Qualification"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Reproduced statutory relation","Qualification"],["Individual principal","No more than $1,000","Principal is not automatically the check face amount or net proceeds."],["Aggregate outstanding","Same licensee and common-control persons may not exceed the stated $1,000 aggregate-principal relation, plus allowable fees","Not a verified statewide aggregate across all unrelated lenders."],["Income relation","Payday loan may not exceed 25% of gross monthly income when made","The text says “payday loan”; no unsupported substitution of net cash, check face, or another base is made."],["Income information","Obtained at least once every twelve months","The statute provides its own evidence-or-written-representation condition."],["Written agreement","Borrower-signed writing with licensee name, date, principal, and total condition-of-credit fees in dollars and APR","Does not establish compliance with every federal disclosure rule."],["Fee posting","Conspicuous dollar fee per $100 at each licensed location","The $100 figure is a disclosure unit, not a fee ceiling."],["Security","Only the permitted borrower check; no other property, title, or evidence of ownership as collateral","Does not import title-loan or repossession rules."],["Electronic representment","No more than two electronic representments","“Representment” is not silently rewritten as total attempts or a federal safe harbor."]]},{"headers":["Protection or restriction","Source-stated operation","What must not be substituted"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Protection or restriction","Source-stated operation","What must not be substituted"],["Renewals","At most three consecutive renewals, then full repayment","Not three new loans free of the other restrictions."],["Same/common-control refinancing","Repayment from another payday loan’s proceeds is prohibited","A new document does not evade the rule."],["New loan after completion","Permitted by the stated clause after the prior loan is completed","Other aggregate, income, renewal, and repayment restrictions still matter."],["Statutory completion","For the check-secured branch, presentation/deposit or borrower redemption","Not necessarily final bank clearance."],["Rescission","No cost, before close of business on the next business day, through repayment of principal in cash or immediately available funds","Notice alone is not the stated tender condition."],["Check redemption","Before presentment/deposit, by payment of the full check amount in immediately available form","Not the no-cost principal-only rescission right."],["General full prepayment","Section 28-42-306 permits it without penalty, subject to § 307","Does not itself determine the payday fee rebate."]]},{"headers":["Branch","Required conditions and consequence"],"index":3,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Branch","Required conditions and consequence"],["Statutory interest/collection-cost route","Dishonor, the stated unpaid period, and § 106 notice; where the check does not provide for the listed charges, the text permits 12% annual interest from dishonor and collection cost capped at the lesser of $20 or check face amount."],["Written-agreement/posted-fee alternative","The stated flat collection fee may be assessed without § 106 notice, but may not exceed $20."],["Payday overlay","The payday loan-agreement disclosure requirement still applies; a point-of-sale sign alone is not treated as satisfying it."],["Court attorney fees","The statute’s notice and period conditions apply; its collection-agency/small-claims exception must be preserved."],["Justifiable stop payment","The section does not apply to a check dishonored for that reason."]]},{"headers":["Provision","Narrow finding"],"index":4,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Provision","Narrow finding"],["§ 28-43-304","The prohibited earnings assignment is distinct from a qualifying revocable earnings-deduction authorization. The latter requires the specified copy and conspicuous revocation notice."],["§ 28-43-305","The defined confession-of-judgment authorization is prohibited and void."],["§ 28-43-311","A regulated consumer loan agreement with principal of $1,000 or less may not provide for the debtor’s payment of attorney fees; the prohibited term is unenforceable."],["§ 28-22-105","A separate court-awarded dishonored-check fee branch has its own conditions."]]},{"headers":["Provision","Generic duty or power","Limit"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Provision","Generic duty or power","Limit"],["§ 28-46-103","Administrator is the Director of the Department of Finance.","Institutional role only."],["§ 28-46-407","Notice/hearing-based suspension or revocation on the listed grounds.","No actual violation or license action."],["§ 28-46-408","Written event reporting within fifteen days for the specified events and persons.","Not every event concerning every affiliate; the statute’s ownership/role conditions matter."],["§ 28-46-409","GAAP records, reasonable availability, access, and composite annual reporting.","The “need not preserve more than two years after due date” wording is not a universal destruction authorization overriding other law."],["§ 28-46-410","Examination/investigation, record access, costs, and subpoena/court-enforcement powers.","Not an actual examination or record request."],["§ 28-46-411","Administrative Procedure Act applies except where otherwise provided.","Full APA hearing, review, and remedy law was not completed."]]},{"headers":["Branch","Consequence","Qualification"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Branch","Consequence","Qualification"],["Enumerated violations","Actual damages and the specified nonclass penalty range","Not every payday violation automatically fits every listed incorporation."],["Excess charge","Not owed; refund may reduce the obligation; specified direct-collecting assignee liability","The lawful amount must first be established."],["Excess charge or delayed refund","Separate nonclass penalty branch, including its demand/reasonable-time condition","Thirty days is a presumption in that branch, not every refund deadline."],["Effect on debt","Ordinarily does not impair rights on the debt except as otherwise provided","The specific payday unlicensed-loan rule is not erased."],["Timely self-correction","Conditional protection from the specified penalties","Not a universal cure of all consequences."],["Bona fide error","Statutory intent, procedures, and burden requirements","No actual defense found."],["Successful statutory violation finding","Court-awarded costs and attorney fees under subsection (8)","No guaranteed recovery or accepted claim."]]},{"headers":["Evidence","What was actually established","Limit"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Evidence","What was actually established","Limit"],["2003 official IDOF release","Historical agency description of the payday licensing regime beginning July 1, 2003","Not the original enacted body or proof of current wording"],["2014 S1314","Introduced legislative text adding EPP/disclosure rules and modifying payday practices; secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014","Final official session law was not recovered"],["2014 official IDOF release","Agency stated July 1, 2014 implementation","Guidance does not substitute for enacted text"],["2020 EPP guidance","Agency’s first-payment interpretation; replaces the 2014 guidance","Nonbinding interpretation, including a heading citation discrepancy"],["Official IDAPA index","IDAPA 12.01.09 recorded as expired March 31, 2022","Not an exhaustive audit of every later rule/order"],["§ 28-41-302","Federal Consumer Credit Protection Act incorporation uses January 1, 2005 or a later rule-adopted date","A later valid adopted date was not authenticated"],["2024 rate-cap proposal lead","Secondary discovery indicated a failed proposal","No proposed cap imported into law"],["2025/2026 currentness searches","No authenticated replacement enactment was recovered","Search silence is not proof of no change"]]},{"headers":["Regime","Exact generic authority inquiry","No positive conclusion made here"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Regime","Exact generic authority inquiry","No positive conclusion made here"],["Full TILA disclosures/APR","12 C.F.R. §§ 1026.17, 1026.18, 1026.22 and applicable definitions/appendices","No APR conversion, disclosure calendar, or actual rescission right"],["Military Lending Act","10 U.S.C. § 987; 32 C.F.R. §§ 232.3–232.6, 232.8 and current exceptions","No covered-borrower finding or military-rate calculation"],["Electronic payments","EFTA and 12 C.F.R. §§ 1005.3, 1005.10 and relevant authorization/error provisions","No valid debit, irrevocability, compulsory-use, or stop-payment determination"],["Federal payday payment rules","12 C.F.R. Part 1041, especially §§ 1041.2, .3, .8, .9, .12 and current legal status","Idaho’s two-representment rule is not equated with a federal attempt rule"],["Bank/preemption","12 U.S.C. §§ 85, 86, 1831d and applicable federal regulations","State licensing exemption is not federal preemption"],["Bankruptcy","Applicable stay, discharge, claim, and avoidance provisions","No collectible-balance or payment permission"],["Tribal/interstate/local","Sovereignty, jurisdiction, governing-law, and local-authority provisions","No immunity, nationwide authorization, or favorable-law choice"],["Privacy","Applicable GLBA/Regulation P and state privacy rules","No authority to access or disclose records"],["Federal collection/reporting","FDCPA/Regulation F and FCRA coverage, exclusions, and operative provisions","No actual collector/reporting status or liability"]]},{"headers":["Literal URL","Actual observation"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Actual observation"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401","Restricted official section route"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412","Restricted official section route"],["https://www.legislature.idaho.gov/legislation/2014/S1314.htm","Historical official route failed"],["https://www.legislature.idaho.gov/legislation/2014/S1314.pdf","Visible ordinary bill link failed"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/","2025 body not recovered; older edition identified separately"],["https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html","Access denied"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/","2025 body not recovered; 2024 edition identified separately"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/","Initial transient failure; later readable body recovered"]]},{"headers":["Source","Issuer/title/literal URL","Actual read and limitation"],"index":10,"links":[],"row_links":[[],[],[],[]],"rows":[["Source","Issuer/title/literal URL","Actual read and limitation"],["S002","IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text."],["S003","IDOF, Guidance — https://www.finance.idaho.gov/legal/guidance/","Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date."],["S004","IDOF, Consumer Credit — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/","Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied."]]},{"headers":["Literal URL","Exact reliance","Displayed source credit"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Exact reliance","Displayed source credit"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/","Definitions and incorporation","2003 ch.182 §1 p.491; 2014 ch.270 §1 p.674"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/","Licensing, exemptions, unlicensed-loan consequences","2003 p.491; 2006 ch.122 §12 p.354; 2009 ch.175 §1 p.555; 2013 ch.54 §14 p.121"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/","Suspension/revocation","2003 p.493; 2006 ch.122 §15 p.355"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/","Event reporting","2003 p.493"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/","Records and annual report","2003 p.494; 2015 ch.141 §50 p.417"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/","Examination/investigation","2003 p.494"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/","APA incorporation","2003 p.495"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/","Complete (1)–(8)","2003 p.495; 2014 ch.270 §2 p.675"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/","Complete (1)–(12)","2003 p.496; 2013 ch.54 §6 p.117; 2014 ch.270 §3 p.675"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/","Complete introductory clause and (1)–(5)","2014 ch.270 §4 p.676"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/","Complete prescribed disclosures","2014 ch.270 §5 p.677"]]},{"headers":["Literal URL","Read bounds","Displayed history/limit"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed history/limit"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/","Complete severability","1983 ch.119 §3 p.265"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/","Complete section; reliance on waiver/settlement branches","1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/","Complete (1)–(9)","1983 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 p.268"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/","Complete purpose/scope provision","1983 p.268; 1994 ch.185 §5 p.606"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/","Complete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization","1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed."],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/","Complete federal-law incorporation","1983 p.275; amendments through 2005 ch.263 §1 p.808"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/","Complete administrator definition","1983 p.300"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/","Complete licensing/exemption provision, read only for incorporated boundary","1983 p.307; amendments through 2013 ch.54 §3 p.114"]]},{"headers":["Literal URL","Read bounds","Displayed credit/limit"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit/limit"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/","Complete finance-charge provision","1983 p.275; 1991 ch.278 §1 p.720; 1993 ch.227 §1 p.798"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/","Complete prepayment provision","1983 p.278; 1996 ch.244 §1 p.775"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/","Complete (1)–(9); reliance limited to conditional rebate structure and interaction hold","1983 p.278. No rebate computation or insurance branch determination."],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/","Complete dishonored-payment charge incorporation","1994 ch.185 §4 p.606; 1997 ch.73 §1 p.154"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/","Complete disclosure incorporation","1983 p.282"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/","Complete assignment notice/proof","1983 p.282"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/","Complete earnings-assignment restriction and exception","1983 p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/","Complete confession prohibition","1983 p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/","Complete installment/term section","1983 p.285"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/","Complete contractual attorney-fee restriction","1983 p.285"]]},{"headers":["Literal URL","Read bounds","Displayed credit/limit"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit/limit"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/","Complete scope","1983 p.294"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/","Complete unconscionability section","1983 p.295; no actual agreement assessment"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/","Complete default limitation","1983 p.296"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/","Complete (1)–(8); employment-remedy subsection read but not applied","1983 p.296; 2002 ch.301 §3 p.860"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/","Complete default-charge restriction","1983 p.298"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/","Complete (1)–(3), used to distinguish consumer-credit sales","1983 p.299; no extension to every loan"]]},{"headers":["Literal URL","Read bounds","Displayed credit/limit"],"index":15,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit/limit"],["https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/","Complete notice/charge/court-fee/stop-payment provision","1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834"],["https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/","Complete (1)–(5), including wholly blank statutory notice/affidavit text","1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835"],["https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/","Complete (1)–(11); reliance on check/demand-draft distinctions","1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held."],["https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/","Complete body read to understand §105’s attorney-fee exclusion","Displayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans."]]},{"headers":["URL","Status"],"index":16,"links":[],"row_links":[[],[],[],[],[]],"rows":[["URL","Status"],["https://www.consumerfinance.gov/rules-policy/regulations/1041/","Official locator discovered; complete operative body/current status not analyzed"],["https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","Official compliance locator discovered; not a positive federal payment-rule finding"],["https://legiscan.com/ID/bill/S1285/2024","Secondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report"],["https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf","Historical commentary-adoption lead discovered; body not opened or used as enacted-current evidence"]]},{"headers":["Claim","Precise proposition","Source/pinpoint","Status/limit"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Precise proposition","Source/pinpoint","Status/limit"],["C001","Official current Idaho statutory authentication remains unresolved.","S001–S005","Source gap, not no-law finding"],["C002","Payday classification uses the defined deferred-check arrangement and electronic extension.","S005-A §401","P"],["C003","Consumer purpose and listed Credit Code exclusions remain material.","S005-B §§202,204,301","P/H"],["C004","Idaho nexus and choice-of-law rules have distinct predicates.","S005-B §201","P; no actual situs"],["C005","Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions.","§§401–402,46-301","P/H"],["C006","The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers.","§402(3)–(4)","P; no actual violation"],["C007","Written payday agreement and fee disclosures have mandatory content.","§412(1),(4); §415","P"],["C008","Individual and same/common-control aggregate principal restrictions are distinct.","§§412(2),413(1)","P"],["C009","Income limit and evidence/representation provisions must be read together.","§413(2)–(4)","P"],["C010","Collateral and representment restrictions do not establish federal debit permission.","§§412(5),(8),413(10)","P/H"],["C011","Fee permission is constrained by the special no-other-charge rule.","§412(3); §42-201","P"],["C012","The state fee label does not decide federal finance-charge status.","§412(3); S013–S014","P/E/O"],["C013","Proceeds-access charges and repayment methods have separate statutory limits.","§412(5)–(7)","P"],["C014","General installment-term text cannot be ignored, but its payday reconciliation remains held.","§43-310; §46-401","P/H"],["C015","No statewide unrelated-lender aggregation or automatic fee/base equivalence was established.","§§412–413","Bounded reading"],["C016","Renewals, new-proceeds repayment, and completion are different restrictions/events.","§413(5),(9)","P"],["C017","Rescission requires timely principal tender and is no-cost.","§413(12)","P; no calendar"],["C018","Check redemption differs from rescission and general prepayment.","§412(5); §42-306","P"],["C019","EPP request frequency, execution, schedule and amount conditions are statutory.","§414 introductory text,(1)–(3)","P"],["C020","EPP fee/default/collection rules retain the dishonor exception.","§414(4)–(5)","P"],["C021","First-payment timing beyond the statutory schedule is recorded as agency guidance.","S008","O guidance, not enactment"],["C022","Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission.","§42-307; §412(3)","P/H"],["C023","Payday dishonor charges require disclosure; treble damages are barred.","§413(6)","P"],["C024","§22-105’s charge routes and stop-payment/court-fee exceptions are conditional.","S005-E §105","P/H"],["C025","Dishonor mailing, affidavit, postmark and actual-notice events differ.","S005-E §106","P"],["C026","Payment deficit does not authorize criminal threats; unfair/deceptive practices are prohibited.","§413(7)–(8)","P"],["C027","Default and default charges require their own statutory basis.","§§45-107,45-301","P"],["C028","Wage assignments and revocable deductions are distinct; confession terms are prohibited.","§§43-304–305","P"],["C029","Small-loan contractual attorney fees differ from conditional court-awarded check fees.","§43-311; §22-105","P/H"],["C030","Assignment notice/proof does not establish ownership; sale-assignee rules are not universal loan rules.","§§43-202,45-302","P"],["C031","Receipt/statement duties are supported only by the older recovered edition.","S006","P, 2022"],["C032","Predisbursement warning text does not establish accepted complaints or relief.","§415","P"],["C033","Suspension, reporting and examination powers have statutory predicates.","§§407–411;46-103","P"],["C034","Record retention wording is not universal destruction permission.","§409","P"],["C035","Administrative procedure and cost provisions do not decide an actual examination or remedy.","§§410–411","P/H"],["C036","Enumerated civil penalties are not automatic for every payday violation.","§45-201(1),(3)","P"],["C037","Excess charges have specified nonpayment/refund and assignee consequences.","§45-201(2)","P"],["C038","General debt-preservation text remains subject to specific contrary provisions.","§45-201(4); §46-402","P"],["C039","Correction, bona fide error, and court-fee provisions qualify remedy analysis.","§45-201(6)–(8)","P"],["C040","State disclosure remedies use a defined federal incorporation and separate conditions.","§43-201; S007; §41-302","P/H"],["C041","Nonwaiver, settlement exceptions and severability have independent scope.","§§41-105–106","P"],["C042","Expired rule status does not establish a current later federal incorporation date.","S012; §41-302","O/P/H"],["C043","Historical agency releases and bill mirrors do not authenticate the whole current law.","S008–S011","Historical/source limit"],["C044","Conditional federal payday finance-charge classification was read from operative scope and official commentary.","S013–S014","E/O"],["C045","Other federal/special regimes remain precise dependencies.","Section7.2; S015","H"],["C046","No universal counting convention, actual fee, APR, payment or deadline was established.","Quantity/read registers","H"],["C047","No actual or invented consumer, lender, account, agreement, payment or case was examined.","Research record","Certain"],["C048","Earlier C033/C035 and unrelated findings remain unchanged.","Supplied scope only","No acceptance by implication"]]},{"headers":["Quantity or relation","Source/base/event","Qualification"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity or relation","Source/base/event","Qualification"],["$1,000 maximum","Individual principal, §412","Not check face or net proceeds by assumption"],["$1,000 aggregate principal, plus allowable fees","Same/common-control outstanding loans, §413(1)","Not all unrelated lenders"],["25%","Gross monthly income when loan made","Statutory evidence/representation condition"],["At least once every twelve months","Income-information refresh","Not each renewal by invented rule"],["Dollar fee per $100","Posted fee unit","Not a fee cap"],["One postdated check","Security for described loan","Other collateral prohibited"],["Two electronic representments","§412(8)","Not automatically total attempts or federal compliance"],["Three consecutive renewals maximum","§413(9)","Full repayment thereafter; other restrictions remain"],["Presentation/deposit or redemption","Special completion event","Not final clearance by assumption"],["Next business day, prior to close","Rescission tender after making","Business-day definition/counting held"],["Principal only; no cost","Rescission","Different from full-check redemption"],["Before presentment/deposit","Check redemption","Full check amount"],["Once in consecutive twelve months","EPP opportunity","More than once not required"],["No later than due day","Written EPP execution","Not merely an uncompleted request"],["At least four equal payments","EPP schedule","No payment amount calculated"],["At least sixty days","EPP duration","No actual start/end schedule"],["No greater than original amount owed","EPP obligation","Not debt cancellation"],["Greater of original loan period or two weeks","Guidance first-payment interval after entering EPP","Nonbinding interpretation, not §414 text"],["Principal ≤$1,000; not open-end","§43-310 scope","Payday-specific interaction held"],["More than $300 / $300 or less","General term branches","Strict versus inclusive boundary preserved"],["Thirty-seven / twenty-five months","General maximum terms","Not declared the resolved payday schedule"],["Principal ≤$1,000","Contractual attorney-fee prohibition","Court-statute distinction remains"],["12% annually from dishonor","Conditional §22-105 branch","Not ordinary payday interest"],["Lesser of $20 or check face","Statutory collection-cost route","Required notice/contract conditions"],["No more than $20","Alternate flat collection fee","Payday disclosure overlay still applies"],["Fifteen days","§105 unpaid/notice conditions","Not merged with every §106 event"],["Fifteen days after postmark","Prescribed dishonor notice","Form read but unfilled"],["Three days after affidavit execution","Statutory conclusive-notice provision","Separate from actual-notice qualification"],["Fifteen days actual notice","§106(4) nonreceipt qualification","No actual event"],["No treble damages","Payday-specific restriction","General small-claims amounts not imported"],["Fifteen days","Report listed §408 events","Role and ownership predicates apply"],["At least 25% equity ownership","Specified event-reporting persons","Not a borrower rule"],["Two years after due date","§409 “need not preserve more than” wording","Other retention laws may apply"],["May 31","Composite prior-calendar-year report","No actual filing"],["Thirty days after demand","Examination-cost payment provision","Not consumer repayment"],["July 1 annually","Administrator’s examination-rate setting","No rate amount supplied"],["Preceding twelve months / end-period balance","Requested statement under older §204","Currentness held"],["One free statement each year; additional ≤$10","Older §204","Payday extra-fee interaction held"],["$100–$1,000","Specified nonclass §45-201 penalties","Enumerated violations and defenses"],["Two years","Specified open-end remedy periods","Not ordinary debt limitation"],["One year after scheduled/accelerated maturity","Specified non-open-end remedy periods","No actual deadline"],["Thirty-day presumption","Reasonable refund time after demand in §201(3)","Not every refund deadline"],["Forty-five days after creditor notice","Conditional penalty-correction period","Must precede stated debtor notice/action conditions"],["One year from violation","Older §45-203 disclosure action","Incorporated federal law and alternative-liability rules"],["January 1, 2005 or later adopted date","State federal-law definition","Later valid rule date not authenticated"],["March 31, 2022","IDAPA12.01.09 expiration","No current replacement inferred"],["July 1, 2003 / July 1, 2014","Historical implementation statements","Final enactment chains remain incomplete"],["July 1, 2020","EPP guidance date","Not statutory amendment date"],["More than four installments / regular-credit criteria","Narrow Regulation Z scope predicates read","No actual creditor determination"],["More than twenty-five extensions","Relevant generic Regulation Z regularity branch","Calendar and exception qualifications; no count performed"],["October 26, 2026","eCFR current-through display","Not clause-effective date"],["Unknown","Actual agreement date, due date, income base application, request, execution, dishonor, mailing, receipt, default, refund, assignment","None supplied or calculated"]]},{"headers":["Branch","Required predicate","Supported consequence","Inference to avoid","Exact next generic inquiry"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Required predicate","Supported consequence","Inference to avoid","Exact next generic inquiry"],["B01—payday category","Defined deferred-check/electronic arrangement","Part4 framework","Every small or short loan is payday","Official current §401 and definitions"],["B02—consumer purpose","Credit Code purpose and exclusions","Correct incorporated protections","Label alone decides","Complete generic classification construction"],["B03—Idaho nexus","Territorial statutory connection","Relevant Idaho branch","Online or out-of-state location automatically excludes","Official §201 and jurisdiction law"],["B04—institution exemption","Exact authorized/supervised status","Licensing exception only as written","Exempt from all law","Incorporated institutional definitions/federal law"],["B05—unlicensed loan","Loan made in Idaho violating required license","Specific voidness/recovery provision","Every technical breach voids principal","Official §402; no entity inquiry"],["B06—amount limits","Correct principal/loan/income/aggregate bases","Statutory limits","Check face and net proceeds interchangeable","Generic base construction"],["B07—fee","Permitted payday charge and no prohibition","Conditional fee rule","No numeric cap means unlimited legality","Official current law and special federal rules"],["B08—term","Non-open-end consumer-loan branch and special payday provisions","General text remains relevant","Universal no-term-cap or resolved installment schedule","Reconcile §§43-310 and46-412/414"],["B09—renewal","Consecutive-renewal and completion facts","Count and repayment restrictions","New paperwork evades them","Generic completion/renewal construction"],["B10—rescission","Timely specified principal tender","No-cost statutory branch","Notice alone or a universal three-day right","Business-day/tender construction"],["B11—redemption/prepayment","Applicable event and transaction classification","Distinct early-payment rights","All early payments have same fee treatment","Reconcile §§412,42-306/307"],["B12—EPP","Timely request/executed writing and annual availability","Mandatory qualified plan","Unlimited plans or balance forgiveness","Official §414 and first-payment interpretation"],["B13—EPP default","Valid default under plan and applicable law","Termination/acceleration branch","New fees or criminal action follow","Default/charge interaction"],["B14—dishonored check","Qualifying check, return, disclosure, notice and exceptions","Limited charges","Every failed debit is fraud or a UCC check","Complete payment-law incorporation if needed"],["B15—assignment","Valid transfer and statutory notice/proof","Recipient/assignee consequences","Assignment proves ownership or erases defenses","Generic assignment law"],["B16—earnings authorization","Revocable authorization and required copy/notice","Narrow exception","Irrevocable wage assignment or bank debit authority","Complete applicable authorization regime"],["B17—records/receipts","Applicable actor and request/payment event","Statutory records duties","Old edition or generic fee authorizes payday charge","Current §204 and fee interaction"],["B18—civil remedies","Exact violation, timing and statutory defenses","Conditional remedies","Automatic penalty or principal cancellation","Official remedy text and construction"],["B19—disclosure law","Defined federal incorporation and federal scope","Conditional disclosure duty","Current federal text automatically equals state adoption","Valid later adoption rule and §203"],["B20—federal payment/MLA","Complete federal scope and exclusions","No result yet","State compliance proves federal compliance","Exact Parts1041,1005,232 and current status"],["B21—bank/tribal/interstate","Governing jurisdiction and federal status","Held branch","Blanket immunity/preemption","Generic federal/tribal/conflicts authority"],["B22—currency","Official operative bodies and final amendments","Exact gap can close","Old guide, title, or failed search proves current law","Ordinary official publication recovery"]]},{"headers":["Field","Entry"],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field","Entry"],["Product definition",""],["Governing authority and edition",""],["Official-current-text status",""],["Consumer-purpose predicate",""],["Territorial predicate",""],["Licensing category",""],["Institutional exemption",""],["Principal definition",""],["Check-face distinction",""],["Aggregate condition",""],["Income-condition provision",""],["Fee authority",""],["Additional-charge restriction",""],["APR/disclosure provision",""],["Term/schedule incorporation",""],["Renewal provision",""],["New-proceeds restriction",""],["Rescission trigger",""],["Redemption trigger",""],["Prepayment/refund dependency",""],["EPP frequency",""],["EPP execution requirement",""],["EPP schedule provision",""],["EPP default consequence",""],["Dishonor definition",""],["Notice method and event",""],["Criminal-threat restriction",""],["Assignment provision",""],["Earnings-authorization restriction",""],["Record/receipt provision",""],["Civil-remedy predicate",""],["Correction/error qualification",""],["Federal scope dependency",""],["Unread incorporation",""],["Missing primary evidence",""],["Review status",""]]},{"headers":["Requested issue","Disposition","Claims/sources/branches","Remaining dependency"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested issue","Disposition","Claims/sources/branches","Remaining dependency"],["1—current product classification","Provisionally established","C002–C005; S005; B01–B04","Official current bodies"],["Complete definitions/exclusions","Necessary text read","C003–C005","External institution and purpose construction"],["Territorial/online scope","Conditional text read","C004","No actual jurisdiction"],["Licensed versus exempt actors","Distinguished","C005–C006","No license lookup or authority finding"],["Other small/installment/title loans","Not conflated","C002,C014","Separate sectors excluded"],["2—principal/aggregate/income","Source-stated limits registered","C007–C010","Base and currentness dependencies"],["Fee/interest/APR distinctions","Established narrowly","C011–C012,C044","No actual charge/APR determination"],["Security/payment mechanisms","Conditional rules read","C010,C013","Federal authorization held"],["Term","Material incorporation read; interaction held","C014; B08","Official construction"],["Amendment/effectiveness","Historical evidence recorded","C042–C043","Final official enactments/current chain"],["No-cap inference","Rejected","C011","Other law and official-current verification"],["3—renewals/successive loans","Provisionally answered","C016","Actual count/completion absent"],["EPP","Complete statutory branch read","C019–C021","Guidance versus law preserved"],["Rescission","Complete operative branch read","C017","Business-day/tender construction"],["Redemption/prepayment/refund","Distinguished; rebate interaction held","C018,C022","No blanket refund conclusion"],["Default/collection during plan","Conditional text read","C020,C027","Actual default absent"],["4—dishonor charges","Complete material incorporated clauses read","C023–C025","UCC/electronic applicability"],["Criminal threat/fraud","Distinguished","C026","No offense or actual communication"],["Assignment/holder rights","Narrowly addressed","C030","Ownership and general holder law held"],["Wage/security/bank authorization","Separated","C010,C028","Garnishment, EFTA and other regimes excluded"],["Collection attorney fees","Contract/statute distinction preserved","C029","No court award"],["5—regulator powers","Narrow powers read","C033–C035","Full APA/process/remedies held"],["Records/disclosures","Read with edition limits","C007,C031–C034","Current §204 and federal content"],["Civil remedies","Conditional branches read","C036–C040","Exact violation/standing/construction"],["Nonwaiver/severability","Read","C041","No actual settlement"],["Complaint locator","Disclosure only","C032","No complaint intake or acceptance"],["6—Regulation Z","Narrow positive classification only","C044; S013–S014","Full disclosure/APR rules excluded"],["MLA/payment rules/bank preemption","Precise dependencies","C045","Complete operative bodies/status later"],["Bankruptcy/tribal/local/privacy/collection","Held","B20–B21","Separate generic inquiry"],["7—literal sources/read bounds","Visibly registered","Section8","Official statutory gaps remain"],["Dates/quantities/counting","Registered","Section10","No calendar or computation"],["Conditional branches","Supplied","Section11","No actual outcome"],["Blank worksheet","Supplied unfilled","Section12","No facts inserted"],["Read/failure/self-check","Supplied","Section14","Not independent review"],["C033/C035 and prior reports","Unchanged","C048","No earlier acceptance implied"],["Dimension6/7, Idaho, A066, parent","Not accepted complete","All findings","Exact currentness and incorporation gaps"]]},{"headers":["Material","Read scope"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Read scope"],["Payday statutes","Complete §§401–402 and407–415 in the 2025 reproduction"],["Consumer-credit incorporations","Complete or expressly bounded definitions, scope, fee, term, prepayment, assignment, wage, default, and remedy provisions listed in S005"],["Older provisions","Complete 2022 receipt section and 2024 disclosure-remedy section, not promoted to current law"],["Dishonored-payment law","Complete material §§22-105/106 and necessary check/small-claims bodies; no actual check or offense"],["Official Idaho materials","Legal-status pages, selected historical releases, complete EPP guidance, relevant rule-index entry"],["Legislative mirror","Complete operative 2014 bill text and generic history; no final-act claim"],["Federal law","Necessary Regulation Z scope/definitions/exemptions, complete finance-charge section, and official payday interpretation"],["Currentness search","Generic official-focused 2025/2026 searches; no absence-of-amendment conclusion"],["Cases, opinions, actual lenders, rosters, policies, agreements, accounts, completed forms","Not investigated"],["Prior local reports or linked conversations","Not opened or claimed as fresh evidence"]]},{"headers":["Document","Parsed read","Pixels inspected"],"index":23,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Document","Parsed read","Pixels inspected"],["2020 EPP guidance","Complete three pages","Printed1–3 / indices0–2"],["2014 IDOF release","Selected first-page legal explanation","Printed1 / index0"],["2003 IDOF release","Selected payday paragraph","Printed2 / index1"],["2014 S1314 mirror","Complete operative five-page bill","Printed4 / index3"],["Official IDAPA index","Relevant 12.01.09 entries","Printed3 / index2"]]}],"claims":[{"claim_id":"S_ID-P12-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Precise proposition":"Official current Idaho statutory authentication remains unresolved.","Source/pinpoint":"S001–S005","Status/limit":"Source gap, not no-law finding"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Precise proposition":"Payday classification uses the defined deferred-check arrangement and electronic extension.","Source/pinpoint":"S005-A §401","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Precise proposition":"Consumer purpose and listed Credit Code exclusions remain material.","Source/pinpoint":"S005-B §§202,204,301","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Precise proposition":"Idaho nexus and choice-of-law rules have distinct predicates.","Source/pinpoint":"S005-B §201","Status/limit":"P; no actual situs"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Precise proposition":"Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions.","Source/pinpoint":"§§401–402,46-301","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Precise proposition":"The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers.","Source/pinpoint":"§402(3)–(4)","Status/limit":"P; no actual violation"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Precise proposition":"Written payday agreement and fee disclosures have mandatory content.","Source/pinpoint":"§412(1),(4); §415","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Precise proposition":"Individual and same/common-control aggregate principal restrictions are distinct.","Source/pinpoint":"§§412(2),413(1)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Precise proposition":"Income limit and evidence/representation provisions must be read together.","Source/pinpoint":"§413(2)–(4)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Precise proposition":"Collateral and representment restrictions do not establish federal debit permission.","Source/pinpoint":"§§412(5),(8),413(10)","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Precise proposition":"Fee permission is constrained by the special no-other-charge rule.","Source/pinpoint":"§412(3); §42-201","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Precise proposition":"The state fee label does not decide federal finance-charge status.","Source/pinpoint":"§412(3); S013–S014","Status/limit":"P/E/O"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C013","Precise proposition":"Proceeds-access charges and repayment methods have separate statutory limits.","Source/pinpoint":"§412(5)–(7)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C014","Precise proposition":"General installment-term text cannot be ignored, but its payday reconciliation remains held.","Source/pinpoint":"§43-310; §46-401","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C015","Precise proposition":"No statewide unrelated-lender aggregation or automatic fee/base equivalence was established.","Source/pinpoint":"§§412–413","Status/limit":"Bounded reading"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C016","Precise proposition":"Renewals, new-proceeds repayment, and completion are different restrictions/events.","Source/pinpoint":"§413(5),(9)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C017","Precise proposition":"Rescission requires timely principal tender and is no-cost.","Source/pinpoint":"§413(12)","Status/limit":"P; no calendar"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C018","Precise proposition":"Check redemption differs from rescission and general prepayment.","Source/pinpoint":"§412(5); §42-306","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C019","Precise proposition":"EPP request frequency, execution, schedule and amount conditions are statutory.","Source/pinpoint":"§414 introductory text,(1)–(3)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C020","Precise proposition":"EPP fee/default/collection rules retain the dishonor exception.","Source/pinpoint":"§414(4)–(5)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C021","Precise proposition":"First-payment timing beyond the statutory schedule is recorded as agency guidance.","Source/pinpoint":"S008","Status/limit":"O guidance, not enactment"},"raw_table_index":17,"coordinator_verification_status":"selected_primary_guidance_compared_nonbinding_not_enactment","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C022","Precise proposition":"Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission.","Source/pinpoint":"§42-307; §412(3)","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C023","Precise proposition":"Payday dishonor charges require disclosure; treble damages are barred.","Source/pinpoint":"§413(6)","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"selected_secondary_aspect_compared_officialcurrentness_incorporation_construction_held","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C024","Precise proposition":"§22-105’s charge routes and stop-payment/court-fee exceptions are conditional.","Source/pinpoint":"S005-E §105","Status/limit":"P/H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C025","Precise proposition":"Dishonor mailing, affidavit, postmark and actual-notice events differ.","Source/pinpoint":"S005-E §106","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; 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original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C028","Precise proposition":"Wage assignments and revocable deductions are distinct; confession terms are prohibited.","Source/pinpoint":"§§43-304–305","Status/limit":"P"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C029","Precise proposition":"Small-loan contractual attorney fees differ from conditional court-awarded check fees.","Source/pinpoint":"§43-311; 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S015","Status/limit":"H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C046","Precise proposition":"No universal counting convention, actual fee, APR, payment or deadline was established.","Source/pinpoint":"Quantity/read registers","Status/limit":"H"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_ID-P12-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C047","Precise proposition":"No actual or invented consumer, lender, account, agreement, payment or case was examined.","Source/pinpoint":"Research record","Status/limit":"Certain"},"raw_table_index":17,"coordinator_verification_status":"whole_report_text_reviewed_not_all_underlying_primary_reverified","id_normalization":"Visible bare claim ID qualified by actual task AND pass; 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older edition identified separately\nhttps://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html\tAccess denied\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/\t2025 body not recovered; 2024 edition identified separately\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/\tInitial transient failure; later readable body recovered\n\nNo failure was treated as repeal, absence of a protection, or evidence that wording remained unchanged."},"coordinator_verification_status":"fresh_selected_official_route_failed","source_access_status":"failed_routes_record_only","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Official28-46-401freshordinaryroutefailedonce;noidenticalretry,sitewideunavailabilityorabsenceoflawinference. Otherreportedfailuresnotrepeated."}},{"source_id":"S_ID-P12-S002","urls":["https://www.finance.idaho.gov/legal/statutes-and-rules/"],"researcher_record":{"Source":"S002","Issuer/title/literal URL":"IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/","Actual read and limitation":"Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text."},"raw_table_indices":[10],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S003","urls":["https://www.finance.idaho.gov/legal/guidance/"],"researcher_record":{"Source":"S003","Issuer/title/literal URL":"IDOF, Guidance — https://www.finance.idaho.gov/legal/guidance/","Actual read and limitation":"Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date."},"raw_table_indices":[10],"coordinator_verification_status":"selected_primary_agency_status_checked","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"CurrentIDOFguidancepage158and210–217:nonbindingwarningandEPPguidancelink;Jan20,2026siteupdatemarkerisnotclauseamendmentdate. No full67-5207Astatuteread."}},{"source_id":"S_ID-P12-S004","urls":["https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/"],"researcher_record":{"Source":"S004","Issuer/title/literal URL":"IDOF, Consumer Credit — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/","Actual read and limitation":"Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied."},"raw_table_indices":[10],"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S005","urls":["https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/","https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/","https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/","https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/","https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/","https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/","https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/"],"researcher_record":{"Source ID":"S_ID-P12-S005","Verbatim complete visible source and usage section":"S005 — 2025 Idaho Code reproduction: statutory usage register\n\nPublisher: Justia. Status: Secondary 2025 reproduction with currentness disclaimer. This is one publication family; section uses are not independent corroboration.\n\nS005-A. Payday Part 4\n\nAll listed section bodies and displayed histories were read completely.\n\nLiteral URL\tExact reliance\tDisplayed source credit\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/\tDefinitions and incorporation\t2003 ch.182 §1 p.491; 2014 ch.270 §1 p.674\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/\tLicensing, exemptions, unlicensed-loan consequences\t2003 p.491; 2006 ch.122 §12 p.354; 2009 ch.175 §1 p.555; 2013 ch.54 §14 p.121\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/\tSuspension/revocation\t2003 p.493; 2006 ch.122 §15 p.355\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/\tEvent reporting\t2003 p.493\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/\tRecords and annual report\t2003 p.494; 2015 ch.141 §50 p.417\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/\tExamination/investigation\t2003 p.494\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/\tAPA incorporation\t2003 p.495\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/\tComplete (1)–(8)\t2003 p.495; 2014 ch.270 §2 p.675\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/\tComplete (1)–(12)\t2003 p.496; 2013 ch.54 §6 p.117; 2014 ch.270 §3 p.675\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/\tComplete introductory clause and (1)–(5)\t2014 ch.270 §4 p.676\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/\tComplete prescribed disclosures\t2014 ch.270 §5 p.677\n\nSections 403–406 were not used to complete an application, bond, approval, or renewal investigation.\n\nS005-B. Scope, definitions, nonwaiver, and licensing cross-references\nLiteral URL\tRead bounds\tDisplayed history/limit\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/\tComplete severability\t1983 ch.119 §3 p.265\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/\tComplete section; reliance on waiver/settlement branches\t1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/\tComplete (1)–(9)\t1983 p.267; amendments through 2014 ch.97 §10 p.273\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/\tComplete exclusions\t1983 p.268\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/\tComplete purpose/scope provision\t1983 p.268; 1994 ch.185 §5 p.606\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/\tComplete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization\t1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed.\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/\tComplete federal-law incorporation\t1983 p.275; amendments through 2005 ch.263 §1 p.808\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/\tComplete administrator definition\t1983 p.300\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/\tComplete licensing/exemption provision, read only for incorporated boundary\t1983 p.307; amendments through 2013 ch.54 §3 p.114\nS005-C. Charges, prepayment, disclosure, and agreement restrictions\nLiteral URL\tRead bounds\tDisplayed credit/limit\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/\tComplete finance-charge provision\t1983 p.275; 1991 ch.278 §1 p.720; 1993 ch.227 §1 p.798\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/\tComplete prepayment provision\t1983 p.278; 1996 ch.244 §1 p.775\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/\tComplete (1)–(9); reliance limited to conditional rebate structure and interaction hold\t1983 p.278. No rebate computation or insurance branch determination.\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/\tComplete dishonored-payment charge incorporation\t1994 ch.185 §4 p.606; 1997 ch.73 §1 p.154\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/\tComplete disclosure incorporation\t1983 p.282\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/\tComplete assignment notice/proof\t1983 p.282\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/\tComplete earnings-assignment restriction and exception\t1983 p.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/\tComplete confession prohibition\t1983 p.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/\tComplete installment/term section\t1983 p.285\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/\tComplete contractual attorney-fee restriction\t1983 p.285\n\nThe general delinquency-charge provision, § 28-42-301, was partially inspected as a lead. It was not used to authorize a payday late fee.\n\nS005-D. Remedies and default\nLiteral URL\tRead bounds\tDisplayed credit/limit\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/\tComplete scope\t1983 p.294\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/\tComplete unconscionability section\t1983 p.295; no actual agreement assessment\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/\tComplete default limitation\t1983 p.296\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/\tComplete (1)–(8); employment-remedy subsection read but not applied\t1983 p.296; 2002 ch.301 §3 p.860\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/\tComplete default-charge restriction\t1983 p.298\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/\tComplete (1)–(3), used to distinguish consumer-credit sales\t1983 p.299; no extension to every loan\nS005-E. Dishonored-check incorporations\nLiteral URL\tRead bounds\tDisplayed credit/limit\nhttps://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/\tComplete notice/charge/court-fee/stop-payment provision\t1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834\nhttps://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/\tComplete (1)–(5), including wholly blank statutory notice/affidavit text\t1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835\nhttps://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/\tComplete (1)–(11); reliance on check/demand-draft distinctions\t1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held.\nhttps://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/\tComplete body read to understand §105’s attorney-fee exclusion\tDisplayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans.\n\nThe default-interest section § 28-22-104 was opened as a lead but not relied on to supply payday interest."},"coordinator_verification_status":"selected_secondary_bodies_compared_official_currentness_held","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Complete2025Justia401(1)–(4),412(1)–(8),413(1)–(12),414introand(1)–(5),43-310introand(1)–(2),histories/disclaimers. Fivecompletebodiesoutofreportedgroup,notallcodeincorporations. No2026official/finalacts/constructionacceptance."}},{"source_id":"S_ID-P12-S006","urls":["https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/"],"researcher_record":{"Source ID":"S_ID-P12-S006","Verbatim complete visible source and usage section":"S006 — older receipt/account-statement reproduction\n\nURL: https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/\n\nRead: Complete (1)–(3).\nEdition/status: 2022 secondary reproduction, not 2025/current official text.\nCredit: 1983 ch.119 §3 p.282.\nLimit: Additional statement-charge interaction and currentness remain held."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S007","urls":["https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/"],"researcher_record":{"Source ID":"S_ID-P12-S007","Verbatim complete visible source and usage section":"S007 — older disclosure-remedy reproduction\n\nURL: https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/\n\nRead: Complete (1)–(4).\nEdition/status: 2024 secondary reproduction.\nCredit: 1983 ch.119 §3 p.298.\nLimit: Defined federal-law version and incorporated substantive defenses/rights are not assumed to be identical to current federal law."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S008","urls":["https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf"],"researcher_record":{"Source ID":"S_ID-P12-S008","Verbatim complete visible source and usage section":"S008 — official EPP interpretation\n\nIssuer/title: Idaho Department of Finance, Payday Extended Payment Plans, July 1, 2020.\nURL: https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf\n\nRead: Complete three-page generic guidance.\nPixels: Printed pages 1–3, PDF indices 0–2, inspected.\nStatus: Official guidance replacing October 9, 2014 guidance; not enacted text. Heading §28-46-114/body §28-46-414 discrepancy preserved."},"coordinator_verification_status":"selected_primary_guidance_text_checked","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Complete3page2020-10-CFBparsedPDF0–67;July1,2020,replaces2014;heading114/body414discrepancyretained. StatutoryEPPtermsvsagencyfirstpaymentgreaterintervalandnonbindingstatuscompared. No coordinatorpixels/contact."}},{"source_id":"S_ID-P12-S009","urls":["https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2014/PressRel-Payday-Loan-Act-Changes.pdf"],"researcher_record":{"Source ID":"S_ID-P12-S009","Verbatim complete visible source and usage section":"S009 — official 2014 implementation release\n\nIssuer/title: IDOF, Payday Loan Act Changes, June 30, 2014.\nURL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2014/PressRel-Payday-Loan-Act-Changes.pdf\n\nRead: Selected generic first-page legislative/implementation text.\nPixels: Printed page 1/PDF index 0.\nLimit: Official historical explanation of July 1, 2014 implementation; statistics and attached material were not used as operative authority."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S010","urls":["https://legiscan.com/ID/text/S1314/id/952520/Idaho-2014-S1314-Introduced.pdf","https://legiscan.com/ID/bill/S1314/2014"],"researcher_record":{"Source ID":"S_ID-P12-S010","Verbatim complete visible source and usage section":"S010 — 2014 legislative text and status\nhttps://legiscan.com/ID/text/S1314/id/952520/Idaho-2014-S1314-Introduced.pdf\nhttps://legiscan.com/ID/bill/S1314/2014\n\nRead: Complete operative §§1–5 of the five-page introduced bill; status/header/history only.\nPixels: Printed page 4/PDF index 3 inspected.\nStatus: Introduced-version mirror. Secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014. No final official act or original effective clause was recovered. No sponsor, roster, or individual-vote inquiry."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S011","urls":["https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf"],"researcher_record":{"Source ID":"S_ID-P12-S011","Verbatim complete visible source and usage section":"S011 — official 2003 implementation release\n\nIssuer/title: IDOF, Law Changes, June 30, 2003.\nURL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf\n\nRead: Selected payday-law paragraph on printed page 2.\nPixels: Printed page 2/PDF index 1.\nStatus: Official historical explanation of July 1, 2003 implementation; unrelated sectors not investigated."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S012","urls":["https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf"],"researcher_record":{"Source ID":"S_ID-P12-S012","Verbatim complete visible source and usage section":"S012 — official administrative-rule status\n\nIssuer/title: Idaho administrative-rules cumulative index, IDAPA 12.\nURL: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf\n\nRead: Relevant IDAPA 12.01.09 entries and surrounding status context.\nPixels: Printed page 3/PDF index 2.\nFinding: Expiration recorded as March 31, 2022.\nLimit: Archived rule body and exhaustive later-replacement audit not completed; no current incorporation date inferred."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S013","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3","https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4"],"researcher_record":{"Source ID":"S_ID-P12-S013","Verbatim complete visible source and usage section":"S013 — Regulation Z operative text\n\nPublisher: eCFR; authoritative but unofficial.\n\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4\n\nRead: Complete material §1026.1(c); necessary complete consumer-credit, creditor, transaction, and open-end definitions in §1026.2; complete operative exemptions in §1026.3; complete §1026.4(a)–(f).\n\nCurrency: Displayed through October 26, 2026; Title 12 last amended October 23, 2026.\nCredits: §1026.4 displays 76 FR 79772, December 22, 2011, and later 2016/2024 amendments. Original amendment/status chains for unrelated prepaid/overdraft branches were not reconstructed. No such product branch is applied."},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}},{"source_id":"S_ID-P12-S014","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1026/2/"],"researcher_record":{"Source ID":"S_ID-P12-S014","Verbatim complete visible source and usage section":"S014 — official Regulation Z interpretation\n\nIssuer: CFPB, official interpretations to Regulation Z.\nURL: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/\n\nRead: Complete comment 2(a)(14)-2, “Payday loans,” with necessary scope definitions from S013.\nLimit: Supports the narrow federal classification proposition, not a complete federal payday report, current APR computation, or actual creditor finding. The original adoption/effective chain of that commentary was not separately reconstructed."},"coordinator_verification_status":"selected_primary_official_commentary_checked_with_scope_limits","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"CFPBcurrent-published1026.2comment2(a)(14)-2complete232–234;selectedcreditor17(i)/prerequisitecontext310–325read. Otheroperativecoverage/definitions/exemptions/completefinancecharge/regularityv/originaladoptionchainnotfreshlyreopened. Genericreturnedsourceexamplesnotapplied."}},{"source_id":"S_ID-P12-S015","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1041/","https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/","https://legiscan.com/ID/bill/S1285/2024","https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf"],"researcher_record":{"Source ID":"S_ID-P12-S015","Verbatim complete visible source and usage section":"S015 — discovery-only federal and proposal locators\nURL\tStatus\nhttps://www.consumerfinance.gov/rules-policy/regulations/1041/\tOfficial locator discovered; complete operative body/current status not analyzed\nhttps://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/\tOfficial compliance locator discovered; not a positive federal payment-rule finding\nhttps://legiscan.com/ID/bill/S1285/2024\tSecondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report\nhttps://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf\tHistorical commentary-adoption lead discovered; body not opened or used as enacted-current evidence"},"coordinator_verification_status":"not_freshly_reopened_in_this_scoped_review","source_access_status":"researcher_reported","classification_reconciliation":"Complete heading source group retained verbatim. Failure and discovery-only status preserved; not fresh verification.","coordinator_review":"[internal evidence reference]","coordinator_check_evidence":{"at":"2026-10-28T16:39:06.144275+00:00","packet":"[internal evidence reference]","note":"Wholeanswer/source/claim/quantity/coverageandlimitsread;underlyingbody/history/pixelsnotfreshlyreopened."}}],"coverage":[{"topic":"1—current product classification","researcher_record":{"Requested issue":"1—current product classification","Disposition":"Provisionally established","Claims/sources/branches":"C002–C005; S005; B01–B04","Remaining dependency":"Official current bodies"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Complete definitions/exclusions","researcher_record":{"Requested issue":"Complete definitions/exclusions","Disposition":"Necessary text read","Claims/sources/branches":"C003–C005","Remaining dependency":"External institution and purpose construction"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Territorial/online scope","researcher_record":{"Requested issue":"Territorial/online scope","Disposition":"Conditional text read","Claims/sources/branches":"C004","Remaining dependency":"No actual jurisdiction"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Licensed versus exempt actors","researcher_record":{"Requested issue":"Licensed versus exempt actors","Disposition":"Distinguished","Claims/sources/branches":"C005–C006","Remaining dependency":"No license lookup or authority finding"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Other small/installment/title loans","researcher_record":{"Requested issue":"Other small/installment/title loans","Disposition":"Not conflated","Claims/sources/branches":"C002,C014","Remaining dependency":"Separate sectors excluded"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"2—principal/aggregate/income","researcher_record":{"Requested issue":"2—principal/aggregate/income","Disposition":"Source-stated limits registered","Claims/sources/branches":"C007–C010","Remaining dependency":"Base and currentness dependencies"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Fee/interest/APR distinctions","researcher_record":{"Requested issue":"Fee/interest/APR distinctions","Disposition":"Established narrowly","Claims/sources/branches":"C011–C012,C044","Remaining dependency":"No actual charge/APR determination"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Security/payment mechanisms","researcher_record":{"Requested issue":"Security/payment mechanisms","Disposition":"Conditional rules read","Claims/sources/branches":"C010,C013","Remaining dependency":"Federal authorization held"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Term","researcher_record":{"Requested issue":"Term","Disposition":"Material incorporation read; interaction held","Claims/sources/branches":"C014; B08","Remaining dependency":"Official construction"},"raw_table_index":21,"coordinator_acceptance":"scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds","coordinator_review":"[internal evidence reference]"},{"topic":"Amendment/effectiveness","researcher_record":{"Requested issue":"Amendment/effectiveness","Disposition":"Historical evidence recorded","Claims/sources/branches":"C042–C043","Remaining dependency":"Final official enactments/current 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