{"meta":{"key":"s_id--pass-17","task":"S_ID","title":"SID Idaho consumer credit sales, retail-installment obligations, and motor-vehicle sale distinctions","parent_title":"Idaho debt and debt relief law","edition":"pass-17","path":"/research/s_id--pass-17/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":33,"claims":56,"sources":17,"review_status":"scoped_coordinator_review_provisional_statutes_and_all_holds_retained","review_complete":true,"sha256":"a6bcdb15cbfa8a3764103bb785e7155cb7f3dd88333d7bb31ed415ee0fb86826","headings":["Principal findings","1.1 Product and actor distinctions","1.2 Territorial and exemption conditions","1.3 Motor-vehicle sales: additional rules, not a separate assumed code","1.4 Amount categories are not interchangeable","2.1 Ordinary goods-sale formation","2.2 Disclosure incorporation and retention boundary","2.3 Motor-vehicle disclosures and financing contingency","2.4 Prohibited clauses and security boundaries","3.1 Agreed finance charge is subject to other restrictions","3.2 Delinquency-charge limits","3.3 Deferral","3.4 Refinancing, consolidation, and conversion","4.1 Payment records and assignment notice","4.2 Full prepayment is different from cancellation","4.3 Precomputed unearned-charge rebate","Symbolic standard relation","4.4 Balloon-payment refinancing","4.5 Category-specific cancellation","Home-solicitation branch","5.1 Scope and authorization","5.2 Evidence, premiums, refunds, and choice","5.3 Coverage amount and term are separate from debt amount","6.1 Default is not automatic acceleration or deficiency","6.2 Assignee liability and holder notice must be separated","6.3 Narrow sale-specific deficiency/election boundary","6.4 Unconscionability and excess charges","6.5 Special remedy periods and defenses","6.6 Nonwaiver and regulator authority","S001 — fresh access failures and incomplete bodies","S002 — official statutory locator","S003 — Credit Code scope and definitions","S004 — UCC formation and lease boundary","S005 — credit-sale agreement, payment, and prohibited terms","S006 — finance charges, changes, and prepayment","S007 — home-solicitation credit sales","S008 — Credit Code insurance","S009 — indispensable Title 41 insurance clauses","S010 — remedies and administration","S011 — older Justia provisions","S012 — older receipt/account statement source","S013 — consumer-protection and motor-vehicle scope","S014 — official consumer-protection rules","S015 — official rule adoption evidence","S016 — official Credit Code rule-status index","S017 — official indirect-lending interpretation","10.1 Formation, disclosure, security, and vehicle rules","10.2 Charges, modification, payment, and prepayment","10.3 Cancellation and insurance","10.4 Assignee, remedy, administration, and source status","14.1 Actual research performed","14.2 Parsed text and page pixels","14.3 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-17","facets":{"geography":["us","us-id"],"debt_type":["store_cards","auto","unknown"],"stage":[],"subject":["definitions-classification"]},"scope":"Independentrequiredgenericconsumercreditgoods/installmentsaleandmaterialmotorvehiclelawboundariesdimension6;notfullArticle9remediesorloan/providerlicensing.","pending_corrections":0},"markdown":"# S_ID PASS-17 — Idaho consumer credit sales, retail-installment obligations, and motor-vehicle sale distinctions\n\n**Fresh public-source access date:** **October 28, 2026, America/Los_Angeles.**\n\n**Scope:** Generic consumer-credit sales of ordinary personal-property goods, including material motor-vehicle sale rules, agreement requirements, charges, payment and prepayment, default, assignment, and narrowly necessary remedies.\n\n**Evidence disposition:** The official Idaho statutory routes attempted in this pass did not provide readable operative bodies. Statutory findings are therefore **provisional readings of the identified 2025 reproductions**, with the older editions expressly identified. Official current-published Idaho consumer-protection rules, official rule-history material, and an official indirect-lending interpretation were recovered. Those sources do not authenticate every current statutory clause or its original enactment chain.\n\nEarlier findings, provenance, C033/C035, and other holds remain unchanged. No earlier Article 9, payday, medical, mortgage, utility, or collection finding supplies a substantive premise here.\n\n## Principal findings\n\n**The governing framework is not determined by the label “retail installment contract.”** The Idaho Credit Code defines regulated consumer credit sales, consumer purpose, installment payment, open-end credit, and related categories. Article 2 supplies additional goods-sale formation rules. Motor-vehicle sales have additional requirements in the official Idaho consumer-protection rules. No actual sale, loan, lease, security interest, or creditor is classified. **[C002–C008.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/)\n\n**A sale and an assigned sale are not automatically consumer loans.** The Department’s official 2022 indirect-lending guidance distinguishes a genuine seller credit sale from a transaction that is substantively a loan. The guidance is an interpretation, not a license determination or a substitute for the definitions. **[C005.]** [Department of Finance](https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/regulated-lenders/guidance-statement-indirect-lending-idaho-credit-code-2022-01-cfb-1.pdf)\n\n**Late charges, deferral charges, refinancing, prepayment rebates, and insurance refunds have separate conditions.** A permissible charge category is not proof that a particular charge was agreed, earned, disclosed, or lawfully imposed. A prepayment rebate is not a general cancellation right. **[C016–C025.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-301/)\n\n**The assignee provisions use different legal measures.** Section 28-45-302 uses the amount owing when the assignee has notice for its stated liability limit. The holder notice required by Idaho Rule 210 uses amounts paid under the contract. Those clauses cannot be collapsed into a single universal cap or treated as a completed federal Holder Rule analysis. **[C038–C040.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/)\n\n**There is no verified general buyer’s-remorse period for every credit sale.** The read authorities instead contain specific branches for home-solicitation credit sales, financing-contingent vehicle purchases, and prohibited referral sales. Each has distinct predicates and consequences. **[C011, C028–C030.]** [Idaho Administrative Rules+2](https://adminrules.idaho.gov/rules/current/04/040201.pdf)\n\n# 1. Classification, scope, and legal amounts\n\nThroughout this report:\n\n- **P — Provisional:** statutory wording read in the identified secondary reproduction.\n- **O — Official text read:** official rule or governmental publication, within the stated bounds.\n- **G — Guidance:** official interpretation, not newly enacted law.\n- **H — Held:** a material source, incorporation, construction, or application dependency remains unresolved.\n\n## 1.1 Product and actor distinctions\n\n| Category | Material statutory distinction | Boundary |\n| --- | --- | --- |\n| Regulated consumer credit sale | The sale must satisfy the regular-seller or seller-credit-card condition, installment-or-finance-charge condition, and consumer-purpose condition. Refinancing and consolidation are addressed expressly. | No actual seller, agreement, or purpose is determined. |\n| Consumer purpose | Primarily personal, family, or household use. | The Credit Code treats the specified agricultural, investment, first-real-estate-mortgage, and organizational-debtor branches as business purpose. |\n| Installment sale | The definition distinguishes a sale with a finance charge, a sale without one, and the stated unusually large-payment branch. Down payments are excluded from the installment count. | A payment schedule’s title does not establish the statutory category. |\n| Open-end credit | The complete definition requires the specified agreement structure, contemplated repeated transactions, creditor expectation, balance-based finance charge, and replenishment of available credit. | A revolving label alone is insufficient. |\n| Loan | The statutory advance/payment/forbearance definition has exclusions, including the specified sale-debt and seller-card relationships. | A creditor funding or purchasing a sale obligation is not automatically making a loan. |\n| Seller or creditor assignee | Included in the relevant definitions, but inclusion alone does not impose every original seller/creditor obligation. | Specific assignee provisions still control. |\n| Cash transaction | A sale may be governed by goods-sale and consumer-protection law without meeting the Credit Code’s consumer-credit-sale definition. | Cash payment does not eliminate every consumer protection. |\n| True lease or rental-purchase arrangement | The Credit Code’s expanded sale definition and UCC § 28-1-203 must be considered separately. | No lease is reclassified; full lease/rental-purchase law remains held. |\n| Security interest | Some sale agreements may retain security, but security is not a universal prerequisite to consumer-credit-sale classification. | Attachment, perfection, priority, and Article 9 enforcement are not completed here. |\n\n**[C002–C004; S003, S004.]** The definition read does not impose one universal dollar ceiling on all regulated consumer credit sales. Particular remedies and charge provisions do contain amount thresholds, which must not be mistaken for the general scope definition. [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/)\n\n## 1.2 Territorial and exemption conditions\n\nSection 28-41-201 uses several Idaho connections: receipt of a signed offer/agreement, Idaho-resident transactions resulting from solicitation in Idaho—including internet solicitation—and the specified enforcement and out-of-state-transaction branches. It also contains physical-presence, address-presumption, choice-of-law, forum, and venue qualifications.\n\nSection 28-41-202 separately excludes the stated government-credit, insurance, regulated-utility, and limited pawnbroker categories. Section 28-41-204 generally confines the Act to consumer-purpose transactions while extending specified provisions more broadly. Section 28-41-108 permits the stated signed-written election for otherwise noncovered credit. **[C003–C004.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/)\n\nNone of those clauses establishes jurisdiction, governing law, federal preemption, or an exemption for an actual actor.\n\n## 1.3 Motor-vehicle sales: additional rules, not a separate assumed code\n\nThe official consumer-protection chapter contains motor-vehicle advertising, pricing, add-on, credit-sale, and financing-contingency rules. It uses its own dealer, financing, document-fee, and motor-vehicle definitions; the motor-vehicle definition incorporates Title 49.\n\nThe relevant reproduced Title 49 definition was read. It includes the self-propelled category and its stated exclusions, while the federal-safety-standard reference is expressly tied to titling/registration. Full title, registration, dealer licensing, and federal vehicle-safety law remain outside this pass. **[C006; S013–S014.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-49/chapter-1/section-49-123/)\n\nNo separate comprehensive motor-vehicle retail-installment statute was authenticated in this research. That is a bounded source result—not proof that no additional vehicle-specific law exists.\n\n## 1.4 Amount categories are not interchangeable\n\n| Category | Legal meaning relevant here |\n| --- | --- |\n| Cash price | The ordinary cash-buyer price under § 28-41-301(10), with the specified taxes, accessories/services, and registration/title/license items that may be included. The disclosed cash price receives the statute’s stated presumption. |\n| Down payment | Cash or trade-in component within the statutory amount-financed definition. |\n| Trade-in allowance versus trade-in debt | Separate from each other. The amount-financed definition expressly addresses the seller’s agreed payment of a lien or debt on traded property. No “negative equity” calculation is supplied. |\n| Amount financed | The statutory total in § 28-41-301(5), not automatically cash price, principal, check amount, or total payments. |\n| Finance charge | Includes the listed time-price, interest, service, credit-loss-insurance, investigation, and other incident-to-credit charges, subject to express exclusions. |\n| Precomputed transaction | Finance charge is calculated in advance and added as stated by the definition; furnishing federal disclosures alone does not make a transaction precomputed. |\n| Unpaid balance | Depends on whether the obligation is precomputed, refinanced, consolidated, paid early, or accelerated. |\n| Total payments | A disclosure category requiring its applicable legal framework; it is not substituted for the cash price or amount financed. |\n| APR | A disclosure measure governed by its own calculation and coverage rules. No APR conversion or determination is made here. |\n\n**[C007.]** The unusual wording of § 28-41-301(5)(a) was preserved rather than replaced with an assumed trade-in formula. [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/)\n\n# 2. Agreement formation, writing, delivery, and prohibited terms\n\n## 2.1 Ordinary goods-sale formation\n\nArticle 2 applies to transactions in goods, subject to its security-only and other statutory qualifications. Sections 28-2-104 through -106 distinguish merchants, financing agencies, goods, sale, termination, and cancellation.\n\nSection 28-2-201 ordinarily requires a signed writing for a goods-sale price of **$500 or more**, but its complete merchant-confirmation, specially manufactured goods, judicial-admission, and payment/acceptance exceptions matter. The writing need not contain every term, but enforcement under that writing is limited by the quantity shown.\n\nSection 28-2-204 permits formation by conduct and allows some open terms when the stated intent and reasonable-remedy basis exist. **[C008.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-201/)\n\nThis is not a conclusion that an oral retail-financing agreement satisfies every consumer disclosure, home-solicitation, security-agreement, or electronic-signature requirement.\n\n## 2.2 Disclosure incorporation and retention boundary\n\nSection 28-43-201 requires compliance with the defined Federal Consumer Credit Protection Act for transactions within that law. Section 28-41-302 defines the incorporated federal law by reference to amendments as of **January 1, 2005**, or a later date adopted by rule.\n\nThe official cumulative index records former IDAPA 12.01.09 as expired **March 31, 2022**. A presently effective later incorporation date was not authenticated. Current federal law also may apply independently, but its full scope and disclosure requirements were not rerun. **[C009, C052.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/)\n\nNo universal Idaho credit-sale document-retention period or complete stand-alone retail-installment form was established from the read provisions. Specific writing, delivery, receipt, and insurance-document duties are identified below; federal record retention and electronic records remain held.\n\n## 2.3 Motor-vehicle disclosures and financing contingency\n\n| Official rule | Material requirement |\n| --- | --- |\n| Rules 232–235 | Credit and vehicle advertising must satisfy the applicable material-term, price, fee, and financing disclosures. |\n| Rule 233.01 | Advertised-price treatment distinguishes usual/necessary charges from the stated taxes, title/license items, and disclosed dealer-imposed document fee. |\n| Rule 234.11 | Post-negotiation add-ons require the stated prior disclosure and consent. |\n| Rule 235 | Financing calculations and disclosures differ depending on which taxes, title/license items, and document fees are included or excluded. |\n| Rule 237 | A qualifying Idaho vehicle contract subject to financing, except a dealer resale, must contain the prescribed conspicuous notice and provide a copy at signing. |\n\nIf financing fails on the agreed terms and time, Rule 237 supplies its null-and-void and trade-in-return branches. If the trade-in cannot be returned, the specified allowance must be returned within **one business day**, under the rule’s conditions. A subsequent different agreement is not barred. **[C010–C011.]** [adminrules.idaho.gov](https://adminrules.idaho.gov/rules/current/04/040201.pdf)\n\nThis does not establish a universal vehicle cancellation period, a fixed document-fee cap, or permission to impose an undisclosed fee.\n\n## 2.4 Prohibited clauses and security boundaries\n\n| Provision | Restriction or qualification |\n| --- | --- |\n| § 28-43-301 | Permits specified sale security; other-goods and land branches have amount and relationship conditions. A prohibited security interest is void; that does not automatically void the entire debt. |\n| §§ 28-43-302–303 | Cross-collateralization and allocation have their own conditions, chronological ordering, same-day rule, and release relationship. |\n| § 28-43-304 | Prohibits the specified earnings assignment; a qualifying revocable deduction authorization is treated separately and requires the stated copy/notice. |\n| § 28-43-305 | Confession-of-judgment authorization is prohibited and void. |\n| § 28-43-306 | A seller/lessor may not take the prohibited negotiable evidence of a consumer-credit-sale obligation; the specified near-date check exception remains. |\n| §§ 28-43-311–312 | The small-loan contractual attorney-fee prohibition is a **loan** provision. The separately recovered sale-applicable clause allows only the stated reasonable, agreed post-default referral fee. |\n\n**[C012–C015.]** The assignee effect of a prohibited negotiable instrument is addressed separately; negotiability, security validity, and actual wage authorization are not adjudicated. [Justia Law+5](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-301/)\n\n# 3. Finance charges, delinquency, deferral, and refinancing\n\n## 3.1 Agreed finance charge is subject to other restrictions\n\nSection 28-42-201 permits the agreed finance charge within its scope and subject to other express limits. Its precomputed-credit paragraph assumes scheduled payment and directs the prepayment-rebate treatment. It is not a finding that every agreed rate, ancillary fee, or collection charge is lawful. **[C016.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/)\n\nNo current market rate, APR, cost comparison, or general unlimited-charge permission is supplied.\n\n## 3.2 Delinquency-charge limits\n\nLet UUU denote the legally relevant **unpaid installment amount**. The reproduced ordinary-goods branches state:\n\n| Transaction branch | Maximum agreed delinquency charge |\n| --- | --- |\n| Precomputed consumer credit | max⁡(0.05U, $12.50)\\max(0.05U,\\ \\$12.50)max(0.05U, $12.50) |\n| Other covered consumer credit, excluding the separate mortgage branch | max⁡(0.05U, $15)\\max(0.05U,\\ \\$15)max(0.05U, $15) |\n\nThe installment must remain unpaid for **more than ten days**. A delinquency charge may be collected only once for an installment, regardless of duration. The same installment cannot carry the prohibited overlap with an agreed deferral charge.\n\nAn installment fully paid within the stated ten-day period cannot generate a delinquency charge merely because an earlier installment remained unpaid; the section gives a limited allocation rule for that purpose. **[C017.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-301/)\n\nWhen at least two installments or parts have remained delinquent for the stated period, § 28-42-301(6) supplies a separate precomputed-to-unpaid-balance election with a rebate reference and no deduction of the minimum charge. This is not an actual election or a universal acceleration right.\n\n## 3.3 Deferral\n\nSection 28-42-302 permits a **written** deferral agreement before or after default. The maximum agreed deferral charge uses the previously disclosed annual rate, amount deferred, and deferral period. Its fractional-period rule treats a day as one-thirtieth of a month.\n\nThe inception-agreement unilateral-deferral branch requires its own written authorization and ten-day unpaid condition. No deferral charge may be made after the stated acceleration election, and the overlapping delinquency charge must receive the statutory treatment. **[C018.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-302/)\n\nThis is not a statutory entitlement to obtain a deferral, nor authority to add a fee merely because payment was late.\n\n## 3.4 Refinancing, consolidation, and conversion\n\n| Provision | Conditional relation |\n| --- | --- |\n| § 28-42-303 | Refinancing uses the proper unpaid balance; precomputed credit requires the rebate treatment, without retaining the minimum charge prohibited by this section. |\n| § 28-42-304 | Same-creditor consolidation has two stated agreement structures. The relevant aggregate becomes amount financed or principal as the applicable paragraph provides. |\n| § 28-42-305 | Conversion to open-end credit requires agreement at the conversion or within the preceding ten days and uses the referenced unpaid-balance rule. |\n| § 28-43-203 | Open-end terms may change under its statutory language, but that clause does not itself resolve all notice, federal, contract, or retroactivity restrictions. |\n\n**[C019.]** No new balance, weighted rate, refinancing charge, or retroactive rate increase is calculated or approved. [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-303/)\n\n# 4. Payment, prepayment, rebates, and cancellation\n\n## 4.1 Payment records and assignment notice\n\nSection 28-43-202 distinguishes payment to the original creditor before the specified assignment notice from payment after notice identifying the assignee and rights. Reasonable proof may be requested; the assignee’s seasonable response matters.\n\nThe receipt/account-statement provision was recovered only in **FindLaw’s January 1, 2024 reproduction**. It requires the stated free cash/coin receipt, addresses periodic statements, provides requested twelve-month payment information and a period-end balance for non-open-end credit, and requires acknowledgment of full payment on request. One such statement is free each year; additional statements have the stated reasonable-charge ceiling. **[C020.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/)\n\nNo assignment, payment history, record-retention practice, or actual statement charge is examined.\n\n## 4.2 Full prepayment is different from cancellation\n\nSection 28-42-306 permits full prepayment without penalty, subject to § 28-42-307 and its separate real-property branch. Same-creditor refinancing or consolidation has an express no-prepayment-charge condition.\n\nA credit-sale prepayment discharges the paid obligation to the extent lawfully satisfied; it is not automatically cancellation of the goods purchase, return of the goods, or recovery of every ancillary charge. **[C021.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/)\n\n## 4.3 Precomputed unearned-charge rebate\n\nSection 28-42-307 was read completely. Its principal structure is:\n\n| Branch | Rule |\n| --- | --- |\n| Full prepayment of covered precomputed credit | Rebate at least the unearned finance charge calculated under the section, subject to its exceptions. |\n| Rebate below $1 | The section does not require that rebate. |\n| Minimum charge | Only the specified non-open-end, non-refinancing, nonconsolidation branch; contracted minimum and statutory ceilings both matter. |\n| Standard unearned-charge method | Uses the statutory proportion of remaining scheduled combined balances to original scheduled combined balances. |\n| Longer transaction branch | For the stated post-July 1, 1978 transactions originally payable in more than sixty-one installments, the creditor has the two specified actuarial alternatives. |\n| Irregular periods | Monthly/weekly rules and fractional adjustments are expressly prescribed. |\n| Deferred payments | The section supplies adjustments for the deferral charge and timing. |\n| Acceleration and judgment | The stated rebate is measured at judgment entry. |\n| Insurance-funded payoff | The provision supplies a special prepayment-date relation to insurance payment and satisfactory proof of loss. |\n\n**[C022–C024.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/)\n\n### Symbolic standard relation\n\nLet:\n\n- FFF = the relevant precomputed finance charge;\n- SRS_RSR​ = the sum of the statutory remaining scheduled combined balances;\n- SOS_OSO​ = the sum of the original scheduled combined balances;\n- RRR = the unearned-charge rebate before the applicable adjustments and exceptions.\n\nThe section’s standard relation is:\n\nR≥F×SRSOR \\geq F \\times \\frac{S_R}{S_O}R≥F×SO​SR​​The symbols do not replace the statutory nearest-installment-date, period, minimum-charge, irregular-payment, deferral, or other qualifications. No values or rounding are supplied.\n\nThe current federal short-term-credit rebate restriction in **15 U.S.C. § 1615**, and the state actuarial-method rule incorporation, remain precise dependencies before treating the state formula as the complete governing rule for a transaction.\n\n## 4.4 Balloon-payment refinancing\n\nSection 28-43-307 applies when a scheduled payment exceeds twice the average of earlier scheduled payments. It supplies a right to refinance that payment when due without penalty on terms no less favorable, subject to its complete exceptions:\n\n- Open-end credit.\n- The stated seasonal/irregular-income or scheduled-obligation circumstances.\n- An administrator-exempted class.\n- The specified second-mortgage residential branch.\n\n**[C025.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-307/)\n\nNo actual balloon, administrator exemption, new payment schedule, or refinancing outcome is determined.\n\n## 4.5 Category-specific cancellation\n\n| Category | Source-supported right | Limit |\n| --- | --- | --- |\n| Financing-contingent motor-vehicle purchase | Rule 237’s failure-of-agreed-financing consequence and return obligations | Not every vehicle purchase or financing dissatisfaction |\n| Home-solicitation credit sale | §§ 28-43-401–405 | Requires the residence/solicitation/credit-sale predicates and no stated exclusion |\n| Prohibited referral inducement | § 28-43-308 makes the induced agreement unenforceable by the seller and gives the stated buyer alternatives | The contingent referral representation must meet the section |\n| Ordinary prepayment | §§ 28-42-306–307 | Not a general right to return goods |\n| UCC cancellation or termination | § 28-2-106 distinguishes breach cancellation from nonbreach termination and preserves specified accrued rights | Does not independently create a buyer’s-remorse right |\n\n**[C011, C026–C030.]** [Idaho Administrative Rules+3](https://adminrules.idaho.gov/rules/current/04/040201.pdf)\n\n### Home-solicitation branch\n\nThe complete scope excludes the specified prior open-end, prior retail-premises negotiation, wholly remote, and federal-rescission categories. A qualifying agreement must be written, dated and signed by the buyer, with a copy and required cancellation notice furnished at signing.\n\nThe buyer’s cancellation period runs to midnight of the third business day after signing a compliant agreement. The written-notice and mailing rules differ from actual receipt. Failure to comply with § 28-43-403 preserves its broader cancellation formulation.\n\nAfter receipt of cancellation, the seller’s ten-day return/tender duty and the buyer’s goods-care/tender duties operate under §§ 404–405. The forty-day presumption concerns failure to demand goods within a reasonable time. **[C026–C029.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-402/)\n\nThe reproduction of § 403’s embedded statutory form was incomplete at its final address line. The operative alternative requiring compliant notice was read, but no complete approved form is represented as recovered. No general business-day definition is imported from a different rule chapter into the Credit Code.\n\n# 5. Insurance and ancillary-product boundaries\n\n## 5.1 Scope and authorization\n\nChapter 44 governs the described insurance connected with regulated consumer credit. Insurance-premium loans have the stated limited application; property insurance and credit life/disability have different branches. Its provisions supplement Title 41, and its administrator penalties do not automatically apply to a person acting as insurer.\n\nAn agreed insurance charge is not permission for prohibited coverage, an unqualified insurer, or an excessive charge. Title 41’s credit-life/disability chapter excludes the stated longer-than-fifteen-year and isolated-insurer transactions. **[C031.]** [Justia Law+3](https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-102/)\n\n## 5.2 Evidence, premiums, refunds, and choice\n\n| Topic | Read rule | Retained condition |\n| --- | --- | --- |\n| Evidence/disclosure | § 28-44-105’s evidence-delivery or prompt failure/delay-notice wording; § 41-2308’s policy/certificate and application/notice requirements | No inference that failure notice authorizes retaining a charge for unprovided insurance |\n| Premium ceiling | Charges cannot exceed the relevant filed insurer premium schedules or computed insurer premiums under the applicable provision | No insurer filing or product rate retrieved |\n| Missing coverage | Written notice and appropriate credit duties under § 41-2310 | Actual nonissuance not found |\n| Early termination/refund | Prompt refund/credit under the applicable statutory method, subject to stated exceptions | “Prompt” is not converted into a fixed number of days |\n| Small aggregate refund | § 28-44-108 uses a less-than-$5 condition | Title 41 also references a director-prescribed minimum; that current amount was not authenticated |\n| Refinancing/deferral/consolidation | Additional insurance charges require the stated agreement, new coverage, old-coverage refund and premium conditions | No duplicate charge authorized merely by rewriting credit |\n| Choice of coverage | Existing coverage or another acceptable insurer may satisfy the requirement under the stated provisions | Reasonable rejection criteria and written/notice predicates remain |\n| Property/liability cancellation | § 28-44-304 permits creditor-requested cancellation only under default or written authorization and requires the stated notice timing | No actual default, cancellation, or replacement policy |\n\n**[C032–C036.]** [Justia Law+6](https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-105/)\n\n## 5.3 Coverage amount and term are separate from debt amount\n\nThe read provisions limit individual credit-life amounts by the specified original and remaining-debt relations and periodic-benefit insurance by the unpaid-installment and periodic-payment relations. Open-end future advances and group coverage have separate qualifications.\n\nThe term provisions address commencement, delayed evidence of insurability, the last scheduled payment, shorter-term disclosure, and the limited fifteen-day post-maturity extension. No actual coverage, insurability, benefit, premium, or refund is determined. **[C035.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-201/)\n\nProperty-insurance § 28-44-301 was recovered in a **2024** reproduction. It uses the substantial-risk, reasonable-value/term, insurer-qualification, and **$500** predicates. Its cross-reference to insurer authority and the failed §§ 28-44-203, -302 and -303 bodies remain held. No universal authority for liability insurance, gap coverage, debt cancellation, warranties, or other add-ons is inferred. **[C036.]**\n\n# 6. Default, assignees, defenses, and remedies\n\n## 6.1 Default is not automatic acceleration or deficiency\n\nSection 28-45-107 restricts contractual default to payment failure or significant impairment of payment, performance, or realization of collateral, placing the stated impairment burden on the creditor. Section 28-45-301 restricts default charges to those authorized by the Act, apart from its stated reasonable-security-realization qualification.\n\nNo general sale-specific pre-acceleration notice or arrears-only cure period was established by those clauses. Their silence does not negate another applicable statute, rule, contract protection, or federal law. **[C037.]** [Justia Law+1](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/)\n\n## 6.2 Assignee liability and holder notice must be separated\n\n| Authority | Legal effect | Measure or qualification |\n| --- | --- | --- |\n| § 28-43-202 | Assignment notice and reasonable-proof relationship | Determines the stated payment-recipient consequences, not actual ownership |\n| § 28-45-302 | Assignee is subject to the seller claims/defenses under the section, notwithstanding contrary agreement; special treatment of an instrument taken contrary to § 306 | Liability cap uses the amount owing when the assignee has notice |\n| § 28-45-302(2) | Allocation for determining that cap | Chronological and same-day ordering; open-end finance-charge treatment |\n| Idaho Rule 210 | Requires the specified holder notice in covered consumer credit contracts and purchase-money-loan branches | Notice uses recovery limited to amounts paid under the contract |\n| § 28-45-202 | Damages/penalties under that part may be set off and raised defensively without its stated time limits | Does not automatically extend affirmative-action periods |\n\n**[C038–C040, C047.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/)\n\nThe two assignee measures are not silently merged. No affirmative-recovery theory, rescission result, double recovery, holder status, or federal Holder Rule result is determined.\n\n## 6.3 Narrow sale-specific deficiency/election boundary\n\nSection 28-45-103 applies to regulated consumer credit sales of goods or services. Its specified repossession or surrender branches use a cash-price ceiling of **$1,000 or less**. It contains a no-personal-balance rule under those conditions, a separate wrongful-damage/nonavailability clause, and a judgment-election restriction.\n\nThis is not a general rule that every consumer vehicle debt is nonrecourse, nor an instruction to surrender collateral. Article 9 possession, notice, disposition, valuation, and deficiency rules were not rerun. **[C041.]** [Justia Law](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-103/)\n\n## 6.4 Unconscionability and excess charges\n\nSection 28-45-106 allows the court to refuse enforcement, sever, or limit an unconscionable agreement or provision, with an opportunity to present context. A charge specifically permitted by the Act is not unconscionable solely for that reason.\n\nSection 28-45-201 distinguishes:\n\n- Enumerated violations with actual damages and the specified nonclass penalty.\n- Excess charges not owed, with refund or credit.\n- Direct-collecting assignee liability for the described excess payment.\n- Separate excess-charge/refund-delay penalties.\n- General preservation of debt rights except where otherwise provided.\n- Conditional correction and bona-fide-error protections.\n- Court-awarded costs and attorney fees upon the statutory finding.\n\n**[C042–C046.]** [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/)\n\nA prohibited clause does not automatically erase every obligation. Conversely, the general debt-preservation clause does not erase an express invalidity or nonpayment consequence elsewhere.\n\n## 6.5 Special remedy periods and defenses\n\n| Provision | Material relation |\n| --- | --- |\n| § 28-45-201(1), (3) | Different remedy periods for open-end and other consumer-credit transactions |\n| § 28-45-201(3) | Thirty days is the stated presumption of reasonable refund time in that branch |\n| § 28-45-201(6) | Conditional self-correction before the stated debtor notice/action and within forty-five days after creditor notification |\n| § 28-45-201(7) | Preponderance burden for the specified unintentional bona fide error despite adapted procedures |\n| § 28-45-202 | Defensive setoff is not barred merely by the part’s action periods |\n| Older § 28-45-203 | Disclosure liability excludes credit advertising, uses the defined federal incorporation, has a one-year provision, and avoids duplicate liability/final judgments |\n\n**[C045–C048.]** These are regime-specific remedy conditions, not a rerun of ordinary debt limitations. [Justia Law+2](https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/)\n\n## 6.6 Nonwaiver and regulator authority\n\nSection 28-41-106 permits only its defined good-faith disputed-claim settlement and other specified compromise branches, subject to its qualifications. No actual waiver or settlement is validated.\n\nThe administrator’s Part 1 scope reaches the stated in-state making/soliciting and direct collection/enforcement of regulated consumer-credit transactions. The Director of Finance is the administrator. Supervised financial organizations have a special allocation of examination and administrative enforcement authority.\n\nInvestigation, cease-and-desist orders, injunctions, and civil recovery have different predicates. Section 28-46-113 permits recovery after demand only for expressly granted debtor recoveries; its separate repeated-and-intentional-violation penalty is not a consumer’s automatic award. **[C049–C051.]** [Justia Law+4](https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/)\n\nThe general administrative-power and debtor-remedies-preservation sections, §§ 28-46-104 and -115, were not recovered. Full APA, Consumer Protection Act remedies, criminal penalties, and licensing/examination procedures remain outside the completed findings.\n\n# 7. Federal and other-regime dependencies\n\nNo positive federal rule or actual coverage determination is adopted in this table.\n\n| Regime | Exact later generic inquiry | Boundary preserved |\n| --- | --- | --- |\n| TILA/Regulation Z | 12 C.F.R. §§ 1026.1–.4, .6–.9, .17–.18, .22, .25 and relevant appendices/current status | State incorporation is not a complete current federal disclosure analysis |\n| Federal prepayment rebate law | 15 U.S.C. § 1615 and necessary scope/application provisions | State rebate formula is not certified as the complete governing rule |\n| FTC Holder Rule | 16 C.F.R. Part 433, complete definitions/exceptions and current interpretations | Idaho Rule 210 is independently read; federal recovery is not decided |\n| FTC Cooling-Off Rule | 16 C.F.R. Part 429, complete sale/location/value/exclusion predicates | Not every home or vehicle transaction has the same cancellation right |\n| Military Lending Act | 10 U.S.C. § 987 and 32 C.F.R. Part 232, including purchase-money exclusions and financed add-on questions | No covered-borrower or rate determination |\n| SCRA | Relevant 50 U.S.C. lease, installment-contract, rate, stay and default provisions | No service status or actual protection |\n| Bankruptcy | Stay, discharge, claims, reaffirmation, avoidance and security provisions | No payment or enforcement permission |\n| FCRA/FDCPA/Regulation F | Complete actor, debt, reporting and collection predicates | Creditor/assignee label alone is insufficient |\n| True leases/rental-purchase | UCC Article 2A, consumer-lease law and any Idaho rental-purchase regime | § 1-203 classification is not a full lease report |\n| Manufactured/mobile housing | Goods/fixture/real-property, program, finance and special state rules | Ordinary vehicle or household-goods rules not universally transferred |\n| Dealer/lender licensing | Title 49 and Credit Code licensing provisions and exclusions | No roster, license, or actual authority finding |\n| Title/perfection/priority/Article 9 | Applicable attachment, title, filing, priority and enforcement law | No repossession/disposition rerun |\n| Insurance/add-ons | Remaining Title 41 provisions, approved rules/rates, group insurance, debt-waiver/service-contract regimes | No product or insurer-policy inquiry |\n| Electronic records/privacy/discrimination | UETA, E-SIGN, privacy and equal-credit/fair-dealing regimes | No actual signature, retention, disclosure or eligibility decision |\n| Local/tribal/interstate | Applicable sovereignty, jurisdiction, governing-law and preemption provisions | § 28-49-101 is not universal immunity from local law |\n| Full judicial construction | Ambiguous scope, notice, allocation, refunds, affirmative recovery, remedies | No case/opinion/docket investigation |\n\n**[C053–C056.]**\n\n# 8. Source and usage register\n\nAll fresh accesses occurred **October 28, 2026, Pacific time**. Short source IDs carry the prefix **S_ID-P17-**.\n\nSection rows from one code publication are usages of that publication family, not independent corroboration. “Complete” means the statutory body and displayed history were read unless limited in the row.\n\n## S001 — fresh access failures and incomplete bodies\n\n| Literal URL | Actual result |\n| --- | --- |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH41/SECT28-41-301 | Restricted official route |\n| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH42/SECT28-42-301 | Restricted official route |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Body not recovered |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/ | Current-version body not recovered; older publication used separately |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-312/ | Current-version body not recovered; 2024 reproduction used |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/ | Current-version body not recovered; 2024 reproduction used |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-203/ | Body not recovered |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-302/ | Body not recovered |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-303/ | Body not recovered |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-104/ | Body inaccessible |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-115/ | Body inaccessible |\n| https://adminrules.idaho.gov/bulletin/2022/05.pdf | Initially readable publication response; later attempted pinpoint retrieval redirected to inaccessible official host. Target adoption passage not treated as fully authenticated from that route. |\n| https://files.dfm.idaho.gov/dfm-admin-website/bulletin/2022/05.pdf | Inaccessible redirected delivery |\n| https://files.dfm.idaho.gov/dfm-admin-website/history_notes/2022%20History%20Notes.pdf | Screenshot delivery failed |\n| Rule PDF printed page 31/index 30 | Screenshot request failed after official delivery redirect; relevant parsed text remained readable |\n\nNo failure establishes absence, repeal, or unchanged law.\n\n## S002 — official statutory locator\n\n**Issuer/title:** Idaho Department of Finance, *Statutes and Rules*.\n**URL:** https://www.finance.idaho.gov/legal/statutes-and-rules/\n\n**Read:** Relevant Credit Code, Consumer Protection Act, and administrative-section links; guidance-status warning.\n\n**Status:** Official locator, not operative statutory text. No current license, tariff, contract, provider, or record was searched.\n\n## S003 — Credit Code scope and definitions\n\n**Publisher/edition:** Justia, **2025 Idaho Code**.\n**Status:** Secondary, expressly subject to currentness limitations.\n\n| Literal URL | Read bounds | Displayed credits |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-103/ | Complete supplemental-law clause | 1983 ch.119 §3, p.265 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ | Complete (1)–(5) | 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-1/section-28-41-108/ | Complete opt-in provision | 1983 p.266; 2013 ch.54 §10 p.120 |\n| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ | Complete territorial provisions | 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/ | Necessary complete definitions, including agreement, amount financed, business/consumer purpose, cash price, finance charge, goods, loan, open-end, installments, precomputed, presumptions, regulated sale/loan, seller and supervised organization; cross-reference list inspected | 1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109 |\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-49/section-28-49-101/ | Complete relationship/local-authority provision | 2002 ch.301 §8 p.864; 2014 ch.97 §12 p.274 |\n\nThe original 1983 enactment, complete transition/savings provisions, and later adopted amendment bodies were not recovered.\n\n## S004 — UCC formation and lease boundary\n\n**Publisher/status:** Same 2025 secondary publication.\n\n| Literal URL | Read bounds | Displayed credits |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/ | Complete (a)–(e) | 2004 ch.43 §13 p.147 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-102/ | Complete scope | 1967 ch.161 §2-102 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-104/ | Complete merchant/financing definitions | 1967 §2-104; 2004 ch.42 §5 p.104 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-105/ | Complete goods definitions | 1967 §2-105 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-106/ | Complete sale/termination/cancellation definitions | 1967 §2-106 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-201/ | Complete writing requirement and exceptions | 1967 §2-201 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-204/ | Complete formation provision | 1967 §2-204 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-602/ | Complete section read; reliance limited to subsection (1) for the acceptance incorporation | 1967 §2-602 p.351 |\n| https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-606/ | Complete acceptance provision | 1967 §2-606 p.351 |\n\nUnexamined rejection, revocation, warranty, buyer/seller remedies, and Article 2A provisions remain separate.\n\n## S005 — credit-sale agreement, payment, and prohibited terms\n\n**Publisher/status:** Justia 2025; common source **1983 ch.119 §3**.\n\n| Literal URL | Read bounds | Displayed page |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/ | Complete disclosure incorporation | p.282 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/ | Complete assignment notice/proof | p.282 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-203/ | Complete open-end change provision | p.282 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-301/ | Complete security-in-sales provision | p.283 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/ | Complete cross-collateral provision | p.283 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/ | Complete allocation provision | p.283 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/ | Complete earnings-assignment prohibition/exception | p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/ | Complete confession prohibition | p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-306/ | Complete negotiable-instrument restriction | p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-307/ | Complete balloon provision and exceptions | p.284 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-308/ | Complete referral-sales provision | p.285 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/ | Complete loan-only attorney-fee restriction | p.285 |\n\nNegotiable-instrument classification, security perfection, wage execution, and actual contract enforceability were not determined.\n\n## S006 — finance charges, changes, and prepayment\n\n| Literal URL | Read bounds | Displayed credit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/ | Complete (1)–(4) | 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-28-42-301/ | Complete (1)–(6); mortgage branch not applied | 1983 p.276; amendments through 2002 ch.302 §1 p.865 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-302/ | Complete deferral provision | 1983 p.277 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-303/ | Complete refinancing provision | 1983 p.277 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-304/ | Complete consolidation alternatives | 1983 p.277 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-305/ | Complete conversion provision | 1983 p.278 |\n| https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/ | Complete prepayment provision; real-estate branch not applied | 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) | 1983 p.278 |\n\nOriginal adopted amendments, federal preemption/rebate interaction, and current actuarial-method rule remain held.\n\n## S007 — home-solicitation credit sales\n\n| Literal URL | Read bounds | Displayed credit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/ | Complete definition/exclusions | 1983 ch.119 §3 p.286 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-402/ | Complete cancellation provision | 1983 p.286 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-403/ | Complete visible operative paragraphs; embedded form ends incompletely in reproduction | 1983 p.286 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-404/ | Complete seller-return provision | 1983 p.287 |\n| https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-405/ | Complete body | 1983 p.287; no obligation inferred solely from its heading |\n\n## S008 — Credit Code insurance\n\n| Literal URL | Read bounds | Displayed credit/status |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-102/ | Complete scope | 1983 p.287; 2013 ch.54 §11 p.120 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-103/ | Complete credit-insurance definition/exclusions | 1983 p.288 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-104/ | Complete charge authority/limits | 1983 p.288 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-105/ | Complete evidence/notification clause | 1983 p.288 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-106/ | Complete unconscionability factors | 1983 p.288 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-107/ | Complete premium ceilings/open-end bases | 1983 p.289; 2013 ch.54 §12 p.121; 2014 ch.97 §11 p.274 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-108/ | Complete refund/credit conditions | 1983 p.289; 1993 ch.42 §1 p.114 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-109/ | Complete choice-of-coverage clause | 1983 p.290 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-110/ | Complete new-charge conditions | 1983 p.290 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-201/ | Complete term provision | 1983 p.291 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-202/ | Complete amount provision | 1983 p.291 |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-304/ | Complete cancellation/notice provision | 1983 p.293 |\n\nAll are 2025 secondary bodies. No insurer schedule, policy, certificate, or product was retrieved.\n\n## S009 — indispensable Title 41 insurance clauses\n\n| Literal URL | Read bounds | Displayed credits |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2301/ | Complete purpose clause | 1961 ch.330 §536 p.645 |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2302/ | Complete short title | 1961 §537 p.645 |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2303/ | Complete scope/exclusions | 1961 §538; amendments through 1993 ch.48 §1 p.125 |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2307/ | Complete term/refund cross-reference | 1961 ch.330; original full amendment chain not reconstructed |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2308/ | Complete (1)–(4), delivery/application/notice requirements | 1961 §543 p.645; 1972 ch.369 §12 p.1072 |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2310/ | Complete premiums/refunds | 1961 §545 p.645 |\n| https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2313/ | Complete choice provision | 1961 §548 p.645 |\n| https://law.justia.com/codes/idaho/title-41/chapter-13/section-41-1312/ | Complete (1)–(4), selection and rejection qualifications | 1961 §290 p.645 |\n\nGroup insurance §§ 41-2005 and 41-2306, insurer-qualification rules, director-prescribed refund minimums, and complete coercion/service-fee rules remain held.\n\n## S010 — remedies and administration\n\n| Literal URL | Read bounds | Displayed credits |\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-28-45-103/ | Complete (1)–(6), narrow sale-specific deficiency interface | 1983 p.294 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ | Complete unconscionability provision | 1983 p.295 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ | Complete default provision | 1983 p.296 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/ | Complete (1)–(8); employment subsection not applied | 1983 p.296; 2002 ch.301 §3 p.860 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-202/ | Complete defensive-setoff provision | 1983 p.298 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/ | Complete default-charge limitation | 1983 p.298 |\n| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/ | Complete (1)–(3) | 1983 p.299 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-102/ | Complete administrative scope | 1983 p.300; 2013 ch.54 §13 p.121 |\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-1/section-28-46-105/ | Complete supervised-organization allocation | 1983 p.301 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-106/ | Complete investigation provision | 1983 p.301; 1990 ch.213 §24 p.504; 2015 ch.141 §48 p.417 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-107/ | Complete APA incorporation | 1983 p.302 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-108/ | Complete (1)–(7), including special no-prior-notice and regulated-lender exceptions | 1983 p.302; 2002 ch.301 §4 p.862; 2006 ch.122 §4 p.348 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-111/ | Complete injunction predicates/factors | 1983 p.304 |\n| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-113/ | Complete recovery, precedence, defense, and penalty branches | 1983 p.305; 2002 ch.301 §5 p.863; 2006 ch.122 §5 p.349 |\n\nNo actual complaint, order, investigation, proceeding, or enforcement record was examined.\n\n## S011 — older Justia provisions\n\n| Literal URL | Edition/read bounds | Limit |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/2024/title-28/chapter-43/part-3/section-28-43-312/ | **2024**, complete; 1983 ch.119 §3 p.285 | Current version inaccessible |\n| https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/ | **2024**, complete; 1983 p.298 | Current version inaccessible |\n| https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-301/ | Returned **2024** reproduction, complete; 1983 p.292 | Undated URL does not make the returned edition 2025 or current |\n\n## S012 — older receipt/account statement source\n\n**Publisher/title:** FindLaw, § 28-43-204.\n**URL:** https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204/\n\n**Read:** Complete (1)–(3), date, and currentness warning.\n**Edition:** “Current as of January 01, 2024.”\n**Limit:** No enactment history displayed in the recovered page; no current official authentication.\n\n## S013 — consumer-protection and motor-vehicle scope\n\n| Literal URL | Read bounds | Status/credits |\n| --- | --- | --- |\n| https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/ | Complete material definitions | 2025 secondary; displayed amendments through 1993 ch.102 §1 p.256 |\n| https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/ | Complete exceptions | 2025 secondary; 1971 ch.181 §6 p.847 |\n| https://law.justia.com/codes/idaho/title-49/chapter-1/section-49-123/ | Necessary vehicle/motor-vehicle definitions, especially (2)(a), (h), and displayed history; other vehicle categories not applied | 2025 secondary; added 1988 ch.265 §2 p.569, with lengthy later amendment history. Complete original history and §49-107 incorporation not authenticated. |\n\n## S014 — official consumer-protection rules\n\n**Issuer/title:** Idaho Attorney General/OARC, **IDAPA 04.02.01—Idaho Rules of Consumer Protection**.\n\n- https://adminrules.idaho.gov/rules/current/04/040201.pdf\n- Official delivery copy: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf\n\n**One document, not two authorities.**\n\n**Actual read:** Complete material Rules 000–009; necessary Rule 020 definitions; Rule 210; Rules 230–232; relevant complete paragraphs of Rules 233–234; complete Rules 235 and 237. Other rules were not treated as a complete general-consumer-protection investigation.\n\n**Pinpoints and pixels:**\n\n- Printed pp. 6–11 / PDF indices 5–10: scope and necessary definitions, visually inspected.\n- Printed p. 28 / index 27: Rule 210, visually inspected.\n- Printed pp. 29–30 / indices 28–29: material vehicle rules, visually inspected.\n- Printed p. 31 / index 30: relevant text read; screenshot failed.\n- Printed pp. 32–33 / indices 31–32: Rules 235 and 237, visually inspected.\n\n**Status:** Official current-published body. Relevant clauses carry **March 31, 2022**. No exhaustive later rulemaking, statutory-conflict, or federal-incorporation audit is claimed.\n\n## S015 — official rule adoption evidence\n\n**Issuer/title:** OARC, *2022 History Notes*.\n**URL:** https://adminrules.idaho.gov/history_notes/2022%20History%20Notes.pdf\n\n**Read:** Complete relevant entry for docket 04-0000-2100, **printed p. 3/PDF index 2**, plus introductory effective-date explanation.\n\n**Finding:** Chapter 04.02.01 identified as adopted with **March 31, 2022** effectiveness; proposed and pending publication references are recorded.\n\n**Visual limit:** Screenshot failed after official redirect. Parsed text was read; no pixel-inspection claim.\n\nThe May 2022 bulletin was encountered but the target pinpoint failed on later retrieval. It is not used as an independently verified duplicate adoption source.\n\n## S016 — official Credit Code rule-status index\n\n**Issuer/title:** OARC, IDAPA 12 cumulative index.\n**URL:** https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf\n\n**Read/pixels:** Relevant entry on **printed p. 3/PDF index 2**, visually inspected.\n\n**Finding:** IDAPA 12.01.09 is marked expired **March 31, 2022**.\n\n**Limit:** Not an exhaustive finding that no later rule, order, or valid incorporation exists. The archived chapter was not applied as current law.\n\n## S017 — official indirect-lending interpretation\n\n**Issuer/title:** Idaho Department of Finance, Guidance Statement **2022-01-CFB**, *Indirect Lending Under the Idaho Credit Code*.\n\n**URL:** https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/regulated-lenders/guidance-statement-indirect-lending-idaho-credit-code-2022-01-cfb-1.pdf\n\n**Read/pixels:** Complete three-page body; printed pp. 1–3/PDF indices 0–2 visually inspected.\n\n**Date/status:** **April 12, 2022**, official agency interpretation expressly stating it is not new law or a new legal requirement.\n\n**Limit:** Supports the generic sale-versus-loan distinction. No actual lender, assignee, seller, license, or financing arrangement was investigated.\n\n# 9. Atomic consequential-claim register\n\nShort claim IDs carry the prefix **S_ID-P17-**.\n\n| Claim | Proposition | Sources/pinpoints | Status/limit |\n| --- | --- | --- | --- |\n| **C001** | Official current statutory authentication remains unresolved. | S001–S003 | H; not no-law evidence |\n| **C002** | Regulated consumer credit sale requires the defined seller/credit/payment/purpose predicates. | S003 §41-301 | P |\n| **C003** | Purpose, exemptions, and optional written election have distinct scope. | §§41-108,202,204,301 | P/H |\n| **C004** | Territorial and choice-of-law conditions require separate analysis. | §41-201 | P; no actual jurisdiction |\n| **C005** | Genuine credit-sale assignment is not automatically a loan; agency guidance is conditional. | S017; S003 | G/P |\n| **C006** | Motor-vehicle rules add requirements without proving a separate universal financing code. | S013–S014 | O/P/H |\n| **C007** | Cash price, down payment, trade-in debt, amount financed, finance charge and unpaid balance differ. | §41-301 | P |\n| **C008** | Article 2 writing/formation rules contain material exceptions. | S004 §§2-201,204 | P |\n| **C009** | State federal-law incorporation and independent current federal coverage are not identical. | §§41-302,43-201; S016 | P/O/H |\n| **C010** | Vehicle advertising and add-on requirements are conditional and disclosure-specific. | S014 Rules232–235 | O |\n| **C011** | Rule237 creates a financing-contingency branch, not universal buyer’s remorse. | S014 Rule237 | O |\n| **C012** | Sale-security limits do not automatically void the entire debt. | §43-301 | P |\n| **C013** | Cross-collateral and payment-release rules use specified allocation conditions. | §§43-302–303 | P |\n| **C014** | Earnings assignment, confession and negotiable-instrument restrictions are distinct. | §§43-304–306 | P |\n| **C015** | Loan-only attorney-fee restriction is not automatically the credit-sale rule. | §43-311; S011§312 | P/older edition |\n| **C016** | Agreed finance-charge authority remains subject to other limits. | §42-201 | P |\n| **C017** | Delinquency ceilings, timing, one-charge and anti-overlap rules must be read together. | §42-301 | P |\n| **C018** | Deferral requires its agreement, rate, period and no-overlap conditions. | §42-302 | P |\n| **C019** | Refinancing, consolidation and conversion have different balance and agreement rules. | §§42-303–305;43-203 | P |\n| **C020** | Payment/assignment records do not prove ownership or an actual balance. | §43-202; S012 | P/2024 |\n| **C021** | Full prepayment is not goods-sale cancellation. | §§42-306–307 | P |\n| **C022** | Precomputed rebate is subject to minimum and other stated exceptions. | §42-307(1)–(3) | P |\n| **C023** | Computational-period and irregular-payment adjustments cannot be omitted from a complete application. | §42-307(4)–(6) | P; no computation |\n| **C024** | Acceleration/judgment and insurance-funded payoff have separate rebate events. | §42-307(7)–(9) | P |\n| **C025** | Balloon refinancing has its own threshold and exceptions. | §43-307 | P/H |\n| **C026** | Home-solicitation credit-sale scope is conditional. | §43-401 | P; federal exclusion held |\n| **C027** | Home-solicitation writings/copies are mandatory in that branch. | §43-403 | P; form reproduction incomplete |\n| **C028** | Home-solicitation cancellation distinguishes signing, mailing and receipt. | §43-402 | P; counting held |\n| **C029** | Seller return and buyer goods duties have separate events and qualifications. | §§43-404–405 | P |\n| **C030** | Prohibited referral inducement has a specific unenforceability/election consequence. | §43-308 | P; no election made |\n| **C031** | Insurance charge permission depends on scope and other insurance law. | S008–S009 | P/H |\n| **C032** | Evidence/delivery/failure-notice duties do not authorize retention for unprovided coverage. | §§44-105;41-2308,2310 | P |\n| **C033** | Premium limits are tied to applicable filings and statutory bases. | §§44-107;41-2310 | P; no schedule retrieved |\n| **C034** | Refund/credit and refinancing-insurance rules contain exceptions and anti-duplication conditions. | §§44-108,110 | P/H |\n| **C035** | Coverage amount, term, insurability and debt are separate categories. | §§44-201–202;41-2307 | P/H |\n| **C036** | Property-insurance, choice and cancellation branches are not universal add-on authority. | §§44-109,304; S011§301;41-1312,2313 | P/older/H |\n| **C037** | Default and default charges require statutory predicates; no universal cure period was established. | §§45-107,301 | P/H |\n| **C038** | Statutory assignee claims/defenses use the amount-owing-at-notice relation. | §45-302(1) | P |\n| **C039** | The assignee cap has its own allocation rule. | §45-302(2) | P |\n| **C040** | Rule210’s holder notice uses a different paid-amount formulation. | S014 Rule210 | O; federal regime held |\n| **C041** | Small-sale deficiency restrictions are narrow and not an Article9 rerun. | §45-103 | P |\n| **C042** | Unconscionability relief requires its court predicates. | §45-106 | P |\n| **C043** | Enumerated civil violations do not create identical consequences for every defect. | §45-201(1),(4) | P |\n| **C044** | Excess-charge refund and assignee recovery have specific conditions. | §45-201(2)–(3) | P |\n| **C045** | Remedy periods, correction and error defenses are branch-specific. | §45-201(1),(3),(6)–(7) | P |\n| **C046** | Costs and attorney fees require the statutory court finding. | §45-201(8) | P |\n| **C047** | Defensive setoff is distinguished from affirmative recovery periods. | §45-202 | P |\n| **C048** | The recovered disclosure-remedy body is an older edition with federal-incorporation and duplicate-liability limits. | S011§45-203 | 2024 P/H |\n| **C049** | Nonwaiver and settlement qualifications do not validate an actual agreement. | §41-106 | P |\n| **C050** | Administrative scope, supervised-entity allocation and investigation powers are conditional. | §§46-102–103,105–108 | P/H |\n| **C051** | Administrator recovery and civil penalty are different, expressly conditioned remedies. | §§46-111,113 | P |\n| **C052** | Official rule adoption and expiration evidence do not authenticate every Credit Code clause. | S014–S017 | O/G/H |\n| **C053** | No CPI adjustment, current market rate, or universal fee permission was established. | Read-scope record | H |\n| **C054** | Federal and other special regimes remain exact dependencies. | Section7 | H |\n| **C055** | No actual or invented buyer, seller, vehicle, agreement, balance or transaction was assessed. | Research record | Certain |\n| **C056** | Prior findings and C033/C035 remain unchanged. | Scope preservation | No acceptance by implication |\n\n# 10. Quantities, bases, events, and exceptions\n\nNo actual amount, APR, amortization, rebate, insurance premium, damages, or calendar result is calculated.\n\n## 10.1 Formation, disclosure, security, and vehicle rules\n\n| Quantity/relation | Source and reference event | Qualification |\n| --- | --- | --- |\n| At least two installments with finance charge; at least four without | §41-301 installment definition | Down payment excluded; unusual-payment branch separately defined |\n| Payment exceeding twice another specified payment | Installment-definition branch | Not the separate average-payment balloon test |\n| $500 or more | Article2writing threshold | Complete §2-201 exceptions |\n| Ten days after receipt | Merchant written-confirmation objection | Merchant and notice predicates |\n| Ten days from issue | §43-306 check-date exception | Negotiability and instrument classification held |\n| $100 goods/services debt; $1,000 land-related debt | §43-301 additional-security branches | Ordinary sold-goods security and cross-collateral rules distinct; real-property merits excluded |\n| Ten-point bold | Rule210 holder notice | State-rule scope; not a federal outcome |\n| Ten-point bold or three points larger | Rule237 disclosure | Qualifying financing-contingent vehicle sale |\n| At signing | Rule237 disclosure copy; home-solicitation agreement copy | Different legal branches |\n| One business day | Rule237 unavailable-trade-in allowance return | Trigger and vehicle-return conditions must be satisfied |\n| Fourteen-day advertising relation | Rule233.02 stated offer-period rule | Not a cancellation period |\n| Current-price/cost categories in vehicle payment advertising | Rule235 alternatives | No vehicle price or payment calculated |\n| January1,2005 or later valid rule-adopted date | §41-302 federal incorporation | Later date not authenticated |\n\n## 10.2 Charges, modification, payment, and prepayment\n\n| Quantity/relation | Base/trigger | Qualification |\n| --- | --- | --- |\n| max⁡(5%U,$12.50)\\max(5\\%U,\\$12.50)max(5%U,$12.50) | Precomputed delinquency branch | More than ten days unpaid; agreement required |\n| max⁡(5%U,$15)\\max(5\\%U,\\$15)max(5%U,$15) | Other covered nonmortgage branch | Same timing; mortgage branch not imported |\n| Once per installment | Delinquency charge | Duration does not multiply charges |\n| Ten-day timely-payment rule | Installment payment and subsection-specific allocation | Earlier arrears do not automatically create another fee |\n| At least two installments/parts, ten days or more | Precomputed unpaid-balance conversion | Creditor election and rebate conditions |\n| Previously stated annual rate × deferred amount × period | Deferral ceiling relation | Written agreement; no calculation |\n| One-thirtieth of a month per day | Deferral fractional-period rule | Not a universal day-count rule |\n| At conversion or within preceding ten days | Conversion to open-end agreement | Correct unpaid balance |\n| One free statement per year; additional reasonable fee ≤$10 | Older §43-204 | Non-open-end request scope |\n| Preceding twelve months and end-period balance | Requested payment statement | Not a retention-period finding |\n| Full prepayment at any time | §42-306 | Subject to §307 and separate real-property branch |\n| Rebate less than $1 | §42-307(1) | Section does not require that small rebate |\n| Minimum ≤contracted finance charge and $5 or $7.50 | §307(2) | Principal ≤$75 or >$75; excluded transaction categories |\n| R≥F(SR/SO)R\\ge F(S_R/S_O)R≥F(SR​/SO​) | Standard unearned-charge relation | Nearest installment date and all adjustments/exceptions |\n| On/before fifteenth day after installment | Statutory deemed-prepayment-date relation | Not a general payment grace period |\n| One-thirtieth of first-period retained charge per day | Before-first-installment adjustment | Exact statutory branch |\n| On/after July1,1978; more than sixty-one original installments | Alternative actuarial rebate branch | Actual original enactment/application chain not recovered |\n| Nearest quarter percentage point | Permitted rate rounding in one actuarial alternative | Must not be consistently used to increase permitted yield |\n| Half or more intervals at least one month | Monthly computational-period test | Otherwise weekly |\n| Include either first or last day | Defined interval | Not both by assumption |\n| Month plus no more than fifteen days; weekly interval no more than eleven days | First-interval classification | Subject to irregular-payment rules |\n| More than five days shorter/longer than month, with upper limit | Monthly irregular first interval | One-thirtieth adjustment |\n| Sixteen or more extra days | Final monthly fractional period | Counts as computational period under clause |\n| Less than five or more than nine but no more than eleven days | Weekly irregular first interval | One-seventh adjustment relative to seven days |\n| Four or more extra days | Final weekly fractional period | Counts under clause |\n| Judgment entry | Accelerated precomputed rebate event | Not ordinary accrual/limitations |\n| Insurance payment/proof relation and ten business days | §307(9) | No insurance claim or date determined |\n| Payment greater than twice average earlier payments | Balloon refinance threshold | Complete exceptions |\n| No less favorable terms/no penalty | Qualifying balloon refinancing | No actual new contract |\n\n## 10.3 Cancellation and insurance\n\n| Quantity/relation | Base/trigger | Qualification |\n| --- | --- | --- |\n| Midnight third business day | Qualifying home-solicitation signing | Compliant writing; exclusions and counting held |\n| Mailing deposit versus receipt | Buyer cancellation notice | Proper address/postage and statutory method |\n| Ten days after receipt | Seller’s cancellation-return obligation | Not buyer’s dispatch event |\n| Forty-day presumption | Failure to demand goods within reasonable time | Not universal abandonment or refund period |\n| Longer than fifteen years | Credit-insurance scope exclusion | Isolated-insurer exclusion separately applies |\n| Thirty days | Insurance evidence/application and delayed-insurability branches | Different reference events; no universal issuance rule |\n| Fifteen days after scheduled maturity | Insurance term ceiling branch | Free-extension and other stated qualifications |\n| Less than $5 aggregate | Chapter44refund exception | Separate Title41director minimum held |\n| At least thirty days before right becomes determinable | Filed insurance-refund formula branch | Director approval/disapproval qualifications |\n| Initial debt / remaining debt relations | Individual credit-life limits | Group/open-end branches distinct |\n| Unpaid installments / original debt divided by installment count | Periodic-benefit limits | No benefit calculation |\n| $500 amount-financed/principal and property-value predicates | Older property-insurance section | Exact insurer/risk/value conditions |\n| Ten days after delivery or thirteen days after mailing | Creditor-requested property/liability cancellation | Default or written authorization; no actual notice |\n| Thirty days before expiration | Separate Title41existing-coverage renewal branch | No force-placement conclusion |\n| Prompt/immediate | Insurance refund/failure-notice clauses | Not converted into an invented fixed deadline |\n\n## 10.4 Assignee, remedy, administration, and source status\n\n| Quantity/relation | Legal object | Qualification |\n| --- | --- | --- |\n| Amount owing when assignee receives notice | §45-302 liability cap | Its allocation and claim predicates |\n| Amounts paid under contract | Rule210 notice | Different authority and measure |\n| First incurred; same-day smallest first | Specific allocation provisions | Open-end finance charges receive stated priority |\n| Cash price ≤$1,000 | §45-103 narrow deficiency branches | Not principal or sale proceeds |\n| $100–$1,000 | Specified nonclass debtor penalties | Court determination and defenses |\n| Two years | Open-end remedy branches | Violation/refund-event distinctions |\n| One year after scheduled/accelerated maturity | Other specified remedy branches | Not ordinary debt limitation |\n| Thirty days presumed reasonable | §45-201 refund-demand branch | Not every refund obligation |\n| Forty-five days after creditor notice | Conditional penalty correction | Before stated debtor notice/action conditions |\n| Preponderance | Bona-fide-error defense | Intent and adapted-procedure elements |\n| One year from violation | Older disclosure-remedy section | Defined federal law and duplicate-liability limits |\n| No part-specific time bar for defense | §45-202 | Not extension of every affirmative claim |\n| Thirty days after order receipt | §46-108 review-initiation clause | Full APA/current-law reconciliation held |\n| Thirty days after service of review petition | Record transmission | Court extension allowed |\n| ≤$5,000 | Administrator repeated/intentional-violation penalty | Separate from debtor damages |\n| Two years before administrator action | §46-113 penalty reach | Not every administrative remedy |\n| March31,2022 | Consumer-protection rule effectiveness and separate Credit Code-rule expiration | Different legal events |\n| April12,2022 | Indirect-lending guidance issuance | Not enactment |\n| January1,2024 / 2024 / 2025 | Source edition labels | Not clause-effective dates |\n| Unknown | Actual purpose, amount, assent, service, receipt, payment, default, prepayment, refund, notice, reliance | None supplied or calculated |\n\n# 11. Conditional branches and exact next inquiries\n\n| Branch | Missing predicate | Supported consequence | Adverse inference to avoid | Next generic inquiry |\n| --- | --- | --- | --- | --- |\n| **B01—credit sale** | Regular seller/card, installment/charge, consumer purpose | Credit Code sale framework | Label alone controls | Official current definitions |\n| **B02—sale versus loan** | Substance of funding and obligation | Conditional distinction | Assignment always creates or never creates loan | Statutory construction; no actual agreement |\n| **B03—lease/rental-purchase** | Complete economic and termination predicates | Possible different regime | Lease title decides | Article2A/rental-purchase law |\n| **B04—Idaho scope** | Territorial and exclusion conditions | Relevant state branch | Universal internet coverage or exemption | Official §41-201 and conflicts law |\n| **B05—formation** | Writing/exception/acceptance conditions | Article2enforceability framework | Every unsigned agreement void or valid | Complete necessary incorporation |\n| **B06—disclosure** | State-defined federal and independent federal coverage | Conditional disclosure duties | Current federal text automatically equals state incorporation | Valid current rule adoption and RegulationZ |\n| **B07—vehicle contingency** | Subject-to-financing agreement, agreed terms/time | Rule237 consequences | Universal cooling-off period | Current rule/statute interaction |\n| **B08—fees** | Agreement, classification, timing, other limits | Conditional charge | No cap found means unlimited permission | Official statutes and federal limits |\n| **B09—late/deferral** | Correct installment, delay and prior charges | Statutory ceiling/anti-overlap | Repeated fee or duplicate deferral charge | Exact allocation/construction |\n| **B10—refinancing** | Same-creditor/new agreement and correct balance | Consolidation/refinancing rules | New document validates old excess charges | Official balance/rebate rules |\n| **B11—prepayment** | Precomputed/nonprecomputed and method predicates | Conditional rebate | Cancellation or universal simple prorating | Federal §1615/current actuarial rule |\n| **B12—balloon** | Threshold and no exception | Refinance right | Every large payment qualifies | Official exemption rules |\n| **B13—home solicitation** | Location, solicitation, credit and exclusion predicates | Category-specific cancellation | All sales have three days | Complete form/current federal interface |\n| **B14—referral sale** | Prohibited contingent inducement | Specific unenforceability/election | All discounts or referrals unlawful | Generic construction |\n| **B15—insurance** | Covered insurance, valid agreement, insurer qualification | Charge/refund/choice duties | Add-on label proves authorization | Remaining Title41/rules |\n| **B16—assignee** | Valid assignment, claim, notice and allocation | Conditional claims/defenses | Ownership or affirmative recovery automatic | State/federal-holder relationship |\n| **B17—default** | Payment failure or statutory impairment | Permissible default category | One event creates deficiency or possession right | Separate Article9/contract law |\n| **B18—small-sale remedy** | Exact cash-price and collateral/election branch | §45-103 restriction | All consumer loans nonrecourse | Official scope and construction |\n| **B19—private remedy** | Enumerated violation, timing, injury and defenses | Conditional damages/penalty | Every defect voids debt | Current remedy text |\n| **B20—defensive setoff** | Entitlement to specified damages/penalties | Part-specific defense despite period | Every stale claim revived affirmatively | Generic construction |\n| **B21—administrator** | Statutory actor/scope/grounds | Defined investigation/order/action | Accepted complaint or guaranteed restitution | Unread powers/APA/currentness |\n| **B22—records** | Applicable transaction and request | Specific receipt/statement duty | Universal retention period inferred | Current §204 and federal retention |\n| **B23—special regimes** | Independent coverage | Held dependency | State compliance proves federal permission | Exact authorities in Section7 |\n| **B24—currency** | Official current bodies and adopted chain | Exact gap can close | Index or old guidance proves no later change | Ordinary official publication recovery |\n\n# 12. Wholly blank conceptual worksheet\n\n| Field | Entry |\n| --- | --- |\n| Transaction category |  |\n| Governing authority and edition |  |\n| Official-current-text status |  |\n| Consumer-purpose predicate |  |\n| Seller/creditor predicate |  |\n| Territorial predicate |  |\n| Exemption or special regime |  |\n| Sale/loan/lease distinction |  |\n| Cash-price category |  |\n| Down-payment/trade-in category |  |\n| Amount-financed definition |  |\n| Finance-charge definition |  |\n| Writing/signature requirement |  |\n| Copy/delivery requirement |  |\n| Motor-vehicle modification |  |\n| Additional-product condition |  |\n| Delinquency-charge provision |  |\n| Deferral provision |  |\n| Refinancing/consolidation provision |  |\n| Prepayment provision |  |\n| Rebate method/exception |  |\n| Insurance scope and refund provision |  |\n| Cancellation branch |  |\n| Default predicate |  |\n| Assignee notice/proof rule |  |\n| Claims/defenses provision |  |\n| Holder-notice requirement |  |\n| Allocation rule |  |\n| Civil-remedy predicate |  |\n| Defensive-setoff provision |  |\n| Administrative-authority provision |  |\n| Record/retention dependency |  |\n| Federal dependency |  |\n| Unread incorporation |  |\n| Missing primary evidence |  |\n| Review status |  |\n\nNo field is completed.\n\n# 13. Granular coverage\n\n| Requested question/subquestion | Disposition | Claims/sources/branches | Retained gap |\n| --- | --- | --- | --- |\n| **1—current framework** | Provisional statutes; official consumer rules recovered | C001–C006; S003–S004,S014 | Official current statutory bodies |\n| Complete definitions/scope | Necessary clauses read | C002–C004,C007 | External incorporations and actual classification |\n| Motor-vehicle regime | Material official rules read | C006,C010–C011 | No exhaustive absence of other vehicle law |\n| Sale/loan/lease/open-end/cash | Distinguished | C002,C005,C008 | Full true-lease/rental-purchase regimes |\n| Amount/security predicates | Distinguished | C007,C012–C013 | No attachment/perfection finding |\n| Territorial/exemptions | Read conditionally | C003–C004 | Federal/tribal/interstate law |\n| Enactment/application | Partial | C052; S015–S017 | Original Credit Code and amendment chain |\n| **2—writing/signatures** | Article2and special branches read | C008,C011,C027 | No universal signed-form conclusion |\n| Copies/delivery | Specific branches identified | C011,C020,C027,C032 | Full federal/electronic requirements |\n| Retention | Specific statements identified; general period held | C020 | Current §204/federal record law |\n| Amount categories | Distinguished | C007 | No financial values |\n| Prohibited clauses | Read | C012–C015 | Actual enforceability not determined |\n| Assignee/holder/nonwaiver | Separate provisions read | C038–C040,C049 | State/federal interaction |\n| **3—finance charges** | Conditional authority read | C016 | No actual rate/APR |\n| Delinquency/default/deferral | Complete material branches | C017–C018,C037 | Official currentness |\n| Additional charges/insurance | Material scope and exceptions read | C031–C036 | Failed insurance sections/current rules |\n| Attorney/collection fees | Sale-versus-loan distinction preserved | C015,C037 | Older §312/current authority |\n| Tiers/units/rounding | Registered | Section10 | No calculations |\n| **4—payment/prepayment/rebate** | Complete material provisions read | C020–C025 | Federal rebate/current actuarial rule |\n| Cancellation/rescission | Category-specific | C011,C026–C030 | Incomplete statutory form/federal exclusions |\n| Default/acceleration/cure | Statutory default read; universal cure not inferred | C037 | Contract/federal/Article9 interfaces |\n| Election/deficiency | Narrow §45-103boundary | C041 | No secured-remedy rerun |\n| **5—assignee/defense/recoupment** | Material state provisions read | C038–C040,C047 | No actual liability or federal cap |\n| Private remedies | Conditional branches read | C042–C048 | Current official text/construction |\n| Error/correction/burden | Read | C045 | No actual defense |\n| Administrator | Narrow powers/read limits | C050–C051 | §§104/115and full APA held |\n| Nonwaiver | Complete material clause | C049 | No actual settlement |\n| **6—special regimes** | Exact dependencies supplied | C054; Section7 | No unsourced federal merits |\n| Licensing/title/Article9 | Deliberately excluded | C005,C012,C041 | Separate reports not reused |\n| Insurance/discrimination/privacy | Partially addressed or held | C031–C036,C054 | Complete special regimes |\n| Local/tribal/interstate | Held beyond read state text | C004,C054 | No jurisdiction outcome |\n| **7—literal sources/credits** | Visible register supplied | Section8 | Original final enactments missing |\n| Rule effective/history | Official text and history read | S014–S016 | No exhaustive later-change audit |\n| Failed-route discipline | Logged | S001 | No absence inference |\n| PDF pixels | Separately recorded | Section14 | Failed pages disclosed |\n| Quantities/branches/worksheet | Supplied | Sections10–12 | No actual values |\n| Prior C033/C035 and other holds | Unchanged | C056 | No acceptance |\n| Idaho/dimension6/A066/parent | **Not accepted complete** | All findings | Exact gaps above |\n\n# 14. Read, search, failure, and self-check log\n\n## 14.1 Actual research performed\n\n| Material | Actual use |\n| --- | --- |\n| Official Idaho statutory index | Located relevant provisions and ordinary official routes |\n| Official statutory bodies | Fresh attempts failed as recorded |\n| Dated statutory reproductions | Complete or expressly bounded bodies listed in Section8 |\n| Older provisions | Clearly separated from 2025 and official-current findings |\n| Official consumer-protection rules | Necessary scope, holder, motor-vehicle, financing and disclosure clauses |\n| Official adoption/history index | Relevant 2022 adoption and separate Credit Code-rule expiration |\n| Official indirect-lending guidance | Complete generic sale-versus-loan interpretation |\n| Generic currentness searches | No no-change conclusion from unsuccessful discovery |\n| Cases/opinions/dockets | Incidental results were not investigated or used |\n| Actual dealers, lenders, policies, products, agreements, VIN/title records, bills, accounts | Not examined |\n| Complaint/record-request pages appearing in search | Not opened as intake or used for any request |\n| Earlier saved reports or metadata | Supplied exclusions only; not substantive authority |\n\n## 14.2 Parsed text and page pixels\n\n| PDF | Parsed read scope | Pixels actually inspected |\n| --- | --- | --- |\n| IDAPA 04.02.01 | Relevant complete clauses listed in S014 | Printed pp.6–11,28–30,32–33; indices5–10,27–29,31–32 |\n| Same, printed p.31 | Relevant paragraph text | Screenshot failed; no pixel claim |\n| 2022 History Notes | Relevant adoption entry and introductory date explanation | Screenshot failed; parsed-only |\n| IDAPA12 cumulative index | Relevant expiration entry | Printed p.3/index2 |\n| 2022 indirect-lending guidance | Complete three pages | Printed pp.1–3/indices0–2 |\n| May2022bulletin | Publication surfaced; later target retrieval failed | No target-page visual claim |\n\nThe complete thirty-three-page consumer-rule chapter, twenty-page history document, and every statutory incorporation are not represented as read. Multiple formats of one authority are not independent corroboration.\n\n## 14.3 Remaining gaps\n\nThe principal unresolved issues are:\n\n- Official current Idaho Credit Code and material Title 41/Title 49 bodies.\n- Original 1983 application/savings provisions and the relevant final amendments.\n- The present legal effect of expired Credit Code rules on actuarial definitions, federal incorporation, and administrator-created exemptions.\n- Current versions of §§ 28-43-204, 28-43-312, 28-45-203, and 28-44-301.\n- The failed insurance, administrative-power, debtor-remedies-preservation, and severability sections.\n- Complete statutory home-solicitation form text and its current federal interface.\n- Federal rebate, disclosure, Holder Rule, cooling-off, military, payment, collection, reporting, and bankruptcy regimes.\n- Actual legal classification, lawful fee components, allocation, refund method, assignee liability, affirmative recovery, and judicial construction.\n\nNo actual or invented buyer, seller, dealer, lender, assignee, guarantor, household, vehicle, goods, cash price, trade-in, down payment, agreement, balance, payment, notice, insurance policy, or transaction was supplied or constructed. No contract, disclosure, cancellation, payment, refund, complaint, filing, or enforcement action was prepared or performed.\n\nThis is a **researcher self-check, not independent review**. The credit-sale component is materially researched but remains **provisional and conditional at the exact source, version, incorporation, and construction gaps identified above**. Earlier findings and holds remain preserved. No Idaho, dimension6/7, A066, parent, operational, or publication acceptance follows.\n\nEND S_ID PASS-17.\n\n","tables":[{"headers":["Category","Material statutory distinction","Boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Material statutory distinction","Boundary"],["Regulated consumer credit sale","The sale must satisfy the regular-seller or seller-credit-card condition, installment-or-finance-charge condition, and consumer-purpose condition. Refinancing and consolidation are addressed expressly.","No actual seller, agreement, or purpose is determined."],["Consumer purpose","Primarily personal, family, or household use.","The Credit Code treats the specified agricultural, investment, first-real-estate-mortgage, and organizational-debtor branches as business purpose."],["Installment sale","The definition distinguishes a sale with a finance charge, a sale without one, and the stated unusually large-payment branch. Down payments are excluded from the installment count.","A payment schedule’s title does not establish the statutory category."],["Open-end credit","The complete definition requires the specified agreement structure, contemplated repeated transactions, creditor expectation, balance-based finance charge, and replenishment of available credit.","A revolving label alone is insufficient."],["Loan","The statutory advance/payment/forbearance definition has exclusions, including the specified sale-debt and seller-card relationships.","A creditor funding or purchasing a sale obligation is not automatically making a loan."],["Seller or creditor assignee","Included in the relevant definitions, but inclusion alone does not impose every original seller/creditor obligation.","Specific assignee provisions still control."],["Cash transaction","A sale may be governed by goods-sale and consumer-protection law without meeting the Credit Code’s consumer-credit-sale definition.","Cash payment does not eliminate every consumer protection."],["True lease or rental-purchase arrangement","The Credit Code’s expanded sale definition and UCC § 28-1-203 must be considered separately.","No lease is reclassified; full lease/rental-purchase law remains held."],["Security interest","Some sale agreements may retain security, but security is not a universal prerequisite to consumer-credit-sale classification.","Attachment, perfection, priority, and Article 9 enforcement are not completed here."]]},{"headers":["Category","Legal meaning relevant here"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Legal meaning relevant here"],["Cash price","The ordinary cash-buyer price under § 28-41-301(10), with the specified taxes, accessories/services, and registration/title/license items that may be included. The disclosed cash price receives the statute’s stated presumption."],["Down payment","Cash or trade-in component within the statutory amount-financed definition."],["Trade-in allowance versus trade-in debt","Separate from each other. The amount-financed definition expressly addresses the seller’s agreed payment of a lien or debt on traded property. No “negative equity” calculation is supplied."],["Amount financed","The statutory total in § 28-41-301(5), not automatically cash price, principal, check amount, or total payments."],["Finance charge","Includes the listed time-price, interest, service, credit-loss-insurance, investigation, and other incident-to-credit charges, subject to express exclusions."],["Precomputed transaction","Finance charge is calculated in advance and added as stated by the definition; furnishing federal disclosures alone does not make a transaction precomputed."],["Unpaid balance","Depends on whether the obligation is precomputed, refinanced, consolidated, paid early, or accelerated."],["Total payments","A disclosure category requiring its applicable legal framework; it is not substituted for the cash price or amount financed."],["APR","A disclosure measure governed by its own calculation and coverage rules. No APR conversion or determination is made here."]]},{"headers":["Official rule","Material requirement"],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Official rule","Material requirement"],["Rules 232–235","Credit and vehicle advertising must satisfy the applicable material-term, price, fee, and financing disclosures."],["Rule 233.01","Advertised-price treatment distinguishes usual/necessary charges from the stated taxes, title/license items, and disclosed dealer-imposed document fee."],["Rule 234.11","Post-negotiation add-ons require the stated prior disclosure and consent."],["Rule 235","Financing calculations and disclosures differ depending on which taxes, title/license items, and document fees are included or excluded."],["Rule 237","A qualifying Idaho vehicle contract subject to financing, except a dealer resale, must contain the prescribed conspicuous notice and provide a copy at signing."]]},{"headers":["Provision","Restriction or qualification"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Provision","Restriction or qualification"],["§ 28-43-301","Permits specified sale security; other-goods and land branches have amount and relationship conditions. A prohibited security interest is void; that does not automatically void the entire debt."],["§§ 28-43-302–303","Cross-collateralization and allocation have their own conditions, chronological ordering, same-day rule, and release relationship."],["§ 28-43-304","Prohibits the specified earnings assignment; a qualifying revocable deduction authorization is treated separately and requires the stated copy/notice."],["§ 28-43-305","Confession-of-judgment authorization is prohibited and void."],["§ 28-43-306","A seller/lessor may not take the prohibited negotiable evidence of a consumer-credit-sale obligation; the specified near-date check exception remains."],["§§ 28-43-311–312","The small-loan contractual attorney-fee prohibition is a loan provision. The separately recovered sale-applicable clause allows only the stated reasonable, agreed post-default referral fee."]]},{"headers":["Transaction branch","Maximum agreed delinquency charge"],"index":4,"links":[],"row_links":[[],[],[]],"rows":[["Transaction branch","Maximum agreed delinquency charge"],["Precomputed consumer credit","max\n⁡\n(\n0.05\n𝑈\n,\n \n$\n12.50\n)\nmax(0.05U, $12.50)"],["Other covered consumer credit, excluding the separate mortgage branch","max\n⁡\n(\n0.05\n𝑈\n,\n \n$\n15\n)\nmax(0.05U, $15)"]]},{"headers":["Provision","Conditional relation"],"index":5,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Provision","Conditional relation"],["§ 28-42-303","Refinancing uses the proper unpaid balance; precomputed credit requires the rebate treatment, without retaining the minimum charge prohibited by this section."],["§ 28-42-304","Same-creditor consolidation has two stated agreement structures. The relevant aggregate becomes amount financed or principal as the applicable paragraph provides."],["§ 28-42-305","Conversion to open-end credit requires agreement at the conversion or within the preceding ten days and uses the referenced unpaid-balance rule."],["§ 28-43-203","Open-end terms may change under its statutory language, but that clause does not itself resolve all notice, federal, contract, or retroactivity restrictions."]]},{"headers":["Branch","Rule"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Rule"],["Full prepayment of covered precomputed credit","Rebate at least the unearned finance charge calculated under the section, subject to its exceptions."],["Rebate below $1","The section does not require that rebate."],["Minimum charge","Only the specified non-open-end, non-refinancing, nonconsolidation branch; contracted minimum and statutory ceilings both matter."],["Standard unearned-charge method","Uses the statutory proportion of remaining scheduled combined balances to original scheduled combined balances."],["Longer transaction branch","For the stated post-July 1, 1978 transactions originally payable in more than sixty-one installments, the creditor has the two specified actuarial alternatives."],["Irregular periods","Monthly/weekly rules and fractional adjustments are expressly prescribed."],["Deferred payments","The section supplies adjustments for the deferral charge and timing."],["Acceleration and judgment","The stated rebate is measured at judgment entry."],["Insurance-funded payoff","The provision supplies a special prepayment-date relation to insurance payment and satisfactory proof of loss."]]},{"headers":["Category","Source-supported right","Limit"],"index":7,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Category","Source-supported right","Limit"],["Financing-contingent motor-vehicle purchase","Rule 237’s failure-of-agreed-financing consequence and return obligations","Not every vehicle purchase or financing dissatisfaction"],["Home-solicitation credit sale","§§ 28-43-401–405","Requires the residence/solicitation/credit-sale predicates and no stated exclusion"],["Prohibited referral inducement","§ 28-43-308 makes the induced agreement unenforceable by the seller and gives the stated buyer alternatives","The contingent referral representation must meet the section"],["Ordinary prepayment","§§ 28-42-306–307","Not a general right to return goods"],["UCC cancellation or termination","§ 28-2-106 distinguishes breach cancellation from nonbreach termination and preserves specified accrued rights","Does not independently create a buyer’s-remorse right"]]},{"headers":["Topic","Read rule","Retained condition"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Topic","Read rule","Retained condition"],["Evidence/disclosure","§ 28-44-105’s evidence-delivery or prompt failure/delay-notice wording; § 41-2308’s policy/certificate and application/notice requirements","No inference that failure notice authorizes retaining a charge for unprovided insurance"],["Premium ceiling","Charges cannot exceed the relevant filed insurer premium schedules or computed insurer premiums under the applicable provision","No insurer filing or product rate retrieved"],["Missing coverage","Written notice and appropriate credit duties under § 41-2310","Actual nonissuance not found"],["Early termination/refund","Prompt refund/credit under the applicable statutory method, subject to stated exceptions","“Prompt” is not converted into a fixed number of days"],["Small aggregate refund","§ 28-44-108 uses a less-than-$5 condition","Title 41 also references a director-prescribed minimum; that current amount was not authenticated"],["Refinancing/deferral/consolidation","Additional insurance charges require the stated agreement, new coverage, old-coverage refund and premium conditions","No duplicate charge authorized merely by rewriting credit"],["Choice of coverage","Existing coverage or another acceptable insurer may satisfy the requirement under the stated provisions","Reasonable rejection criteria and written/notice predicates remain"],["Property/liability cancellation","§ 28-44-304 permits creditor-requested cancellation only under default or written authorization and requires the stated notice timing","No actual default, cancellation, or replacement policy"]]},{"headers":["Authority","Legal effect","Measure or qualification"],"index":9,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Authority","Legal effect","Measure or qualification"],["§ 28-43-202","Assignment notice and reasonable-proof relationship","Determines the stated payment-recipient consequences, not actual ownership"],["§ 28-45-302","Assignee is subject to the seller claims/defenses under the section, notwithstanding contrary agreement; special treatment of an instrument taken contrary to § 306","Liability cap uses the amount owing when the assignee has notice"],["§ 28-45-302(2)","Allocation for determining that cap","Chronological and same-day ordering; open-end finance-charge treatment"],["Idaho Rule 210","Requires the specified holder notice in covered consumer credit contracts and purchase-money-loan branches","Notice uses recovery limited to amounts paid under the contract"],["§ 28-45-202","Damages/penalties under that part may be set off and raised defensively without its stated time limits","Does not automatically extend affirmative-action periods"]]},{"headers":["Provision","Material relation"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Provision","Material relation"],["§ 28-45-201(1), (3)","Different remedy periods for open-end and other consumer-credit transactions"],["§ 28-45-201(3)","Thirty days is the stated presumption of reasonable refund time in that branch"],["§ 28-45-201(6)","Conditional self-correction before the stated debtor notice/action and within forty-five days after creditor notification"],["§ 28-45-201(7)","Preponderance burden for the specified unintentional bona fide error despite adapted procedures"],["§ 28-45-202","Defensive setoff is not barred merely by the part’s action periods"],["Older § 28-45-203","Disclosure liability excludes credit advertising, uses the defined federal incorporation, has a one-year provision, and avoids duplicate liability/final judgments"]]},{"headers":["Regime","Exact later generic inquiry","Boundary preserved"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Regime","Exact later generic inquiry","Boundary preserved"],["TILA/Regulation Z","12 C.F.R. §§ 1026.1–.4, .6–.9, .17–.18, .22, .25 and relevant appendices/current status","State incorporation is not a complete current federal disclosure analysis"],["Federal prepayment rebate law","15 U.S.C. § 1615 and necessary scope/application provisions","State rebate formula is not certified as the complete governing rule"],["FTC Holder Rule","16 C.F.R. Part 433, complete definitions/exceptions and current interpretations","Idaho Rule 210 is independently read; federal recovery is not decided"],["FTC Cooling-Off Rule","16 C.F.R. Part 429, complete sale/location/value/exclusion predicates","Not every home or vehicle transaction has the same cancellation right"],["Military Lending Act","10 U.S.C. § 987 and 32 C.F.R. Part 232, including purchase-money exclusions and financed add-on questions","No covered-borrower or rate determination"],["SCRA","Relevant 50 U.S.C. lease, installment-contract, rate, stay and default provisions","No service status or actual protection"],["Bankruptcy","Stay, discharge, claims, reaffirmation, avoidance and security provisions","No payment or enforcement permission"],["FCRA/FDCPA/Regulation F","Complete actor, debt, reporting and collection predicates","Creditor/assignee label alone is insufficient"],["True leases/rental-purchase","UCC Article 2A, consumer-lease law and any Idaho rental-purchase regime","§ 1-203 classification is not a full lease report"],["Manufactured/mobile housing","Goods/fixture/real-property, program, finance and special state rules","Ordinary vehicle or household-goods rules not universally transferred"],["Dealer/lender licensing","Title 49 and Credit Code licensing provisions and exclusions","No roster, license, or actual authority finding"],["Title/perfection/priority/Article 9","Applicable attachment, title, filing, priority and enforcement law","No repossession/disposition rerun"],["Insurance/add-ons","Remaining Title 41 provisions, approved rules/rates, group insurance, debt-waiver/service-contract regimes","No product or insurer-policy inquiry"],["Electronic records/privacy/discrimination","UETA, E-SIGN, privacy and equal-credit/fair-dealing regimes","No actual signature, retention, disclosure or eligibility decision"],["Local/tribal/interstate","Applicable sovereignty, jurisdiction, governing-law and preemption provisions","§ 28-49-101 is not universal immunity from local law"],["Full judicial construction","Ambiguous scope, notice, allocation, refunds, affirmative recovery, remedies","No case/opinion/docket investigation"]]},{"headers":["Literal URL","Actual result"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Actual result"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH41/SECT28-41-301","Restricted official route"],["https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH42/SECT28-42-301","Restricted official route"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/","Body not recovered"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/","Current-version body not recovered; older publication used separately"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-312/","Current-version body not recovered; 2024 reproduction used"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/","Current-version body not recovered; 2024 reproduction used"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-203/","Body not recovered"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-302/","Body not recovered"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-303/","Body not recovered"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-104/","Body inaccessible"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-115/","Body inaccessible"],["https://adminrules.idaho.gov/bulletin/2022/05.pdf","Initially readable publication response; later attempted pinpoint retrieval redirected to inaccessible official host. Target adoption passage not treated as fully authenticated from that route."],["https://files.dfm.idaho.gov/dfm-admin-website/bulletin/2022/05.pdf","Inaccessible redirected delivery"],["https://files.dfm.idaho.gov/dfm-admin-website/history_notes/2022%20History%20Notes.pdf","Screenshot delivery failed"],["Rule PDF printed page 31/index 30","Screenshot request failed after official delivery redirect; relevant parsed text remained readable"]]},{"headers":["Literal URL","Read bounds","Displayed credits"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credits"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-103/","Complete supplemental-law clause","1983 ch.119 §3, p.265"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/","Complete (1)–(5)","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-1/section-28-41-108/","Complete opt-in provision","1983 p.266; 2013 ch.54 §10 p.120"],["https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/","Complete territorial provisions","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/","Necessary complete definitions, including agreement, amount financed, business/consumer purpose, cash price, finance charge, goods, loan, open-end, installments, precomputed, presumptions, regulated sale/loan, seller and supervised organization; cross-reference list inspected","1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109"],["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-49/section-28-49-101/","Complete relationship/local-authority provision","2002 ch.301 §8 p.864; 2014 ch.97 §12 p.274"]]},{"headers":["Literal URL","Read bounds","Displayed credits"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credits"],["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/","Complete (a)–(e)","2004 ch.43 §13 p.147"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-102/","Complete scope","1967 ch.161 §2-102 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-104/","Complete merchant/financing definitions","1967 §2-104; 2004 ch.42 §5 p.104"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-105/","Complete goods definitions","1967 §2-105 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-106/","Complete sale/termination/cancellation definitions","1967 §2-106 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-201/","Complete writing requirement and exceptions","1967 §2-201 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-204/","Complete formation provision","1967 §2-204 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-602/","Complete section read; reliance limited to subsection (1) for the acceptance incorporation","1967 §2-602 p.351"],["https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-606/","Complete acceptance provision","1967 §2-606 p.351"]]},{"headers":["Literal URL","Read bounds","Displayed page"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed page"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/","Complete disclosure incorporation","p.282"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/","Complete assignment notice/proof","p.282"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-203/","Complete open-end change provision","p.282"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-301/","Complete security-in-sales provision","p.283"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/","Complete cross-collateral provision","p.283"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/","Complete allocation provision","p.283"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/","Complete earnings-assignment prohibition/exception","p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/","Complete confession prohibition","p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-306/","Complete negotiable-instrument restriction","p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-307/","Complete balloon provision and exceptions","p.284"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-308/","Complete referral-sales provision","p.285"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/","Complete loan-only attorney-fee restriction","p.285"]]},{"headers":["Literal URL","Read bounds","Displayed credit"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/","Complete (1)–(4)","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-28-42-301/","Complete (1)–(6); mortgage branch not applied","1983 p.276; amendments through 2002 ch.302 §1 p.865"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-302/","Complete deferral provision","1983 p.277"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-303/","Complete refinancing provision","1983 p.277"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-304/","Complete consolidation alternatives","1983 p.277"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-305/","Complete conversion provision","1983 p.278"],["https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/","Complete prepayment provision; real-estate branch not applied","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)","1983 p.278"]]},{"headers":["Literal URL","Read bounds","Displayed credit"],"index":17,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/","Complete definition/exclusions","1983 ch.119 §3 p.286"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-402/","Complete cancellation provision","1983 p.286"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-403/","Complete visible operative paragraphs; embedded form ends incompletely in reproduction","1983 p.286"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-404/","Complete seller-return provision","1983 p.287"],["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-405/","Complete body","1983 p.287; no obligation inferred solely from its heading"]]},{"headers":["Literal URL","Read bounds","Displayed credit/status"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credit/status"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-102/","Complete scope","1983 p.287; 2013 ch.54 §11 p.120"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-103/","Complete credit-insurance definition/exclusions","1983 p.288"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-104/","Complete charge authority/limits","1983 p.288"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-105/","Complete evidence/notification clause","1983 p.288"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-106/","Complete unconscionability factors","1983 p.288"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-107/","Complete premium ceilings/open-end bases","1983 p.289; 2013 ch.54 §12 p.121; 2014 ch.97 §11 p.274"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-108/","Complete refund/credit conditions","1983 p.289; 1993 ch.42 §1 p.114"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-109/","Complete choice-of-coverage clause","1983 p.290"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-110/","Complete new-charge conditions","1983 p.290"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-201/","Complete term provision","1983 p.291"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-202/","Complete amount provision","1983 p.291"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-304/","Complete cancellation/notice provision","1983 p.293"]]},{"headers":["Literal URL","Read bounds","Displayed credits"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credits"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2301/","Complete purpose clause","1961 ch.330 §536 p.645"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2302/","Complete short title","1961 §537 p.645"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2303/","Complete scope/exclusions","1961 §538; amendments through 1993 ch.48 §1 p.125"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2307/","Complete term/refund cross-reference","1961 ch.330; original full amendment chain not reconstructed"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2308/","Complete (1)–(4), delivery/application/notice requirements","1961 §543 p.645; 1972 ch.369 §12 p.1072"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2310/","Complete premiums/refunds","1961 §545 p.645"],["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2313/","Complete choice provision","1961 §548 p.645"],["https://law.justia.com/codes/idaho/title-41/chapter-13/section-41-1312/","Complete (1)–(4), selection and rejection qualifications","1961 §290 p.645"]]},{"headers":["Literal URL","Read bounds","Displayed credits"],"index":20,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Literal URL","Read bounds","Displayed credits"],["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-28-45-103/","Complete (1)–(6), narrow sale-specific deficiency interface","1983 p.294"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/","Complete unconscionability provision","1983 p.295"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/","Complete default provision","1983 p.296"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/","Complete (1)–(8); employment subsection not applied","1983 p.296; 2002 ch.301 §3 p.860"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-202/","Complete defensive-setoff provision","1983 p.298"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/","Complete default-charge limitation","1983 p.298"],["https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/","Complete (1)–(3)","1983 p.299"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-102/","Complete administrative scope","1983 p.300; 2013 ch.54 §13 p.121"],["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-1/section-28-46-105/","Complete supervised-organization allocation","1983 p.301"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-106/","Complete investigation provision","1983 p.301; 1990 ch.213 §24 p.504; 2015 ch.141 §48 p.417"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-107/","Complete APA incorporation","1983 p.302"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-108/","Complete (1)–(7), including special no-prior-notice and regulated-lender exceptions","1983 p.302; 2002 ch.301 §4 p.862; 2006 ch.122 §4 p.348"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-111/","Complete injunction predicates/factors","1983 p.304"],["https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-113/","Complete recovery, precedence, defense, and penalty branches","1983 p.305; 2002 ch.301 §5 p.863; 2006 ch.122 §5 p.349"]]},{"headers":["Literal URL","Edition/read bounds","Limit"],"index":21,"links":[],"row_links":[[],[],[],[]],"rows":[["Literal URL","Edition/read bounds","Limit"],["https://law.justia.com/codes/idaho/2024/title-28/chapter-43/part-3/section-28-43-312/","2024, complete; 1983 ch.119 §3 p.285","Current version inaccessible"],["https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/","2024, complete; 1983 p.298","Current version inaccessible"],["https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-301/","Returned 2024 reproduction, complete; 1983 p.292","Undated URL does not make the returned edition 2025 or current"]]},{"headers":["Literal URL","Read bounds","Status/credits"],"index":22,"links":[],"row_links":[[],[],[],[]],"rows":[["Literal URL","Read bounds","Status/credits"],["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/","Complete material definitions","2025 secondary; displayed amendments through 1993 ch.102 §1 p.256"],["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/","Complete exceptions","2025 secondary; 1971 ch.181 §6 p.847"],["https://law.justia.com/codes/idaho/title-49/chapter-1/section-49-123/","Necessary vehicle/motor-vehicle definitions, especially (2)(a), (h), and displayed history; other vehicle categories not applied","2025 secondary; added 1988 ch.265 §2 p.569, with lengthy later amendment history. Complete original history and §49-107 incorporation not authenticated."]]},{"headers":["Claim","Proposition","Sources/pinpoints","Status/limit"],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Proposition","Sources/pinpoints","Status/limit"],["C001","Official current statutory authentication remains unresolved.","S001–S003","H; not no-law evidence"],["C002","Regulated consumer credit sale requires the defined seller/credit/payment/purpose predicates.","S003 §41-301","P"],["C003","Purpose, exemptions, and optional written election have distinct scope.","§§41-108,202,204,301","P/H"],["C004","Territorial and choice-of-law conditions require separate analysis.","§41-201","P; no actual jurisdiction"],["C005","Genuine credit-sale assignment is not automatically a loan; agency guidance is conditional.","S017; S003","G/P"],["C006","Motor-vehicle rules add requirements without proving a separate universal financing code.","S013–S014","O/P/H"],["C007","Cash price, down payment, trade-in debt, amount financed, finance charge and unpaid balance differ.","§41-301","P"],["C008","Article 2 writing/formation rules contain material exceptions.","S004 §§2-201,204","P"],["C009","State federal-law incorporation and independent current federal coverage are not identical.","§§41-302,43-201; S016","P/O/H"],["C010","Vehicle advertising and add-on requirements are conditional and disclosure-specific.","S014 Rules232–235","O"],["C011","Rule237 creates a financing-contingency branch, not universal buyer’s remorse.","S014 Rule237","O"],["C012","Sale-security limits do not automatically void the entire debt.","§43-301","P"],["C013","Cross-collateral and payment-release rules use specified allocation conditions.","§§43-302–303","P"],["C014","Earnings assignment, confession and negotiable-instrument restrictions are distinct.","§§43-304–306","P"],["C015","Loan-only attorney-fee restriction is not automatically the credit-sale rule.","§43-311; S011§312","P/older edition"],["C016","Agreed finance-charge authority remains subject to other limits.","§42-201","P"],["C017","Delinquency ceilings, timing, one-charge and anti-overlap rules must be read together.","§42-301","P"],["C018","Deferral requires its agreement, rate, period and no-overlap conditions.","§42-302","P"],["C019","Refinancing, consolidation and conversion have different balance and agreement rules.","§§42-303–305;43-203","P"],["C020","Payment/assignment records do not prove ownership or an actual balance.","§43-202; S012","P/2024"],["C021","Full prepayment is not goods-sale cancellation.","§§42-306–307","P"],["C022","Precomputed rebate is subject to minimum and other stated exceptions.","§42-307(1)–(3)","P"],["C023","Computational-period and irregular-payment adjustments cannot be omitted from a complete application.","§42-307(4)–(6)","P; no computation"],["C024","Acceleration/judgment and insurance-funded payoff have separate rebate events.","§42-307(7)–(9)","P"],["C025","Balloon refinancing has its own threshold and exceptions.","§43-307","P/H"],["C026","Home-solicitation credit-sale scope is conditional.","§43-401","P; federal exclusion held"],["C027","Home-solicitation writings/copies are mandatory in that branch.","§43-403","P; form reproduction incomplete"],["C028","Home-solicitation cancellation distinguishes signing, mailing and receipt.","§43-402","P; counting held"],["C029","Seller return and buyer goods duties have separate events and qualifications.","§§43-404–405","P"],["C030","Prohibited referral inducement has a specific unenforceability/election consequence.","§43-308","P; no election made"],["C031","Insurance charge permission depends on scope and other insurance law.","S008–S009","P/H"],["C032","Evidence/delivery/failure-notice duties do not authorize retention for unprovided coverage.","§§44-105;41-2308,2310","P"],["C033","Premium limits are tied to applicable filings and statutory bases.","§§44-107;41-2310","P; no schedule retrieved"],["C034","Refund/credit and refinancing-insurance rules contain exceptions and anti-duplication conditions.","§§44-108,110","P/H"],["C035","Coverage amount, term, insurability and debt are separate categories.","§§44-201–202;41-2307","P/H"],["C036","Property-insurance, choice and cancellation branches are not universal add-on authority.","§§44-109,304; S011§301;41-1312,2313","P/older/H"],["C037","Default and default charges require statutory predicates; no universal cure period was established.","§§45-107,301","P/H"],["C038","Statutory assignee claims/defenses use the amount-owing-at-notice relation.","§45-302(1)","P"],["C039","The assignee cap has its own allocation rule.","§45-302(2)","P"],["C040","Rule210’s holder notice uses a different paid-amount formulation.","S014 Rule210","O; federal regime held"],["C041","Small-sale deficiency restrictions are narrow and not an Article9 rerun.","§45-103","P"],["C042","Unconscionability relief requires its court predicates.","§45-106","P"],["C043","Enumerated civil violations do not create identical consequences for every defect.","§45-201(1),(4)","P"],["C044","Excess-charge refund and assignee recovery have specific conditions.","§45-201(2)–(3)","P"],["C045","Remedy periods, correction and error defenses are branch-specific.","§45-201(1),(3),(6)–(7)","P"],["C046","Costs and attorney fees require the statutory court finding.","§45-201(8)","P"],["C047","Defensive setoff is distinguished from affirmative recovery periods.","§45-202","P"],["C048","The recovered disclosure-remedy body is an older edition with federal-incorporation and duplicate-liability limits.","S011§45-203","2024 P/H"],["C049","Nonwaiver and settlement qualifications do not validate an actual agreement.","§41-106","P"],["C050","Administrative scope, supervised-entity allocation and investigation powers are conditional.","§§46-102–103,105–108","P/H"],["C051","Administrator recovery and civil penalty are different, expressly conditioned remedies.","§§46-111,113","P"],["C052","Official rule adoption and expiration evidence do not authenticate every Credit Code clause.","S014–S017","O/G/H"],["C053","No CPI adjustment, current market rate, or universal fee permission was established.","Read-scope record","H"],["C054","Federal and other special regimes remain exact dependencies.","Section7","H"],["C055","No actual or invented buyer, seller, vehicle, agreement, balance or transaction was assessed.","Research record","Certain"],["C056","Prior findings and C033/C035 remain unchanged.","Scope preservation","No acceptance by implication"]]},{"headers":["Quantity/relation","Source and reference event","Qualification"],"index":24,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity/relation","Source and reference event","Qualification"],["At least two installments with finance charge; at least four without","§41-301 installment definition","Down payment excluded; unusual-payment branch separately defined"],["Payment exceeding twice another specified payment","Installment-definition branch","Not the separate average-payment balloon test"],["$500 or more","Article2writing threshold","Complete §2-201 exceptions"],["Ten days after receipt","Merchant written-confirmation objection","Merchant and notice predicates"],["Ten days from issue","§43-306 check-date exception","Negotiability and instrument classification held"],["$100 goods/services debt; $1,000 land-related debt","§43-301 additional-security branches","Ordinary sold-goods security and cross-collateral rules distinct; real-property merits excluded"],["Ten-point bold","Rule210 holder notice","State-rule scope; not a federal outcome"],["Ten-point bold or three points larger","Rule237 disclosure","Qualifying financing-contingent vehicle sale"],["At signing","Rule237 disclosure copy; home-solicitation agreement copy","Different legal branches"],["One business day","Rule237 unavailable-trade-in allowance return","Trigger and vehicle-return conditions must be satisfied"],["Fourteen-day advertising relation","Rule233.02 stated offer-period rule","Not a cancellation period"],["Current-price/cost categories in vehicle payment advertising","Rule235 alternatives","No vehicle price or payment calculated"],["January1,2005 or later valid rule-adopted date","§41-302 federal incorporation","Later date not authenticated"]]},{"headers":["Quantity/relation","Base/trigger","Qualification"],"index":25,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity/relation","Base/trigger","Qualification"],["max\n⁡\n(\n5\n%\n𝑈\n,\n$\n12.50\n)\nmax(5%U,$12.50)","Precomputed delinquency branch","More than ten days unpaid; agreement required"],["max\n⁡\n(\n5\n%\n𝑈\n,\n$\n15\n)\nmax(5%U,$15)","Other covered nonmortgage branch","Same timing; mortgage branch not imported"],["Once per installment","Delinquency charge","Duration does not multiply charges"],["Ten-day timely-payment rule","Installment payment and subsection-specific allocation","Earlier arrears do not automatically create another fee"],["At least two installments/parts, ten days or more","Precomputed unpaid-balance conversion","Creditor election and rebate conditions"],["Previously stated annual rate × deferred amount × period","Deferral ceiling relation","Written agreement; no calculation"],["One-thirtieth of a month per day","Deferral fractional-period rule","Not a universal day-count rule"],["At conversion or within preceding ten days","Conversion to open-end agreement","Correct unpaid balance"],["One free statement per year; additional reasonable fee ≤$10","Older §43-204","Non-open-end request scope"],["Preceding twelve months and end-period balance","Requested payment statement","Not a retention-period finding"],["Full prepayment at any time","§42-306","Subject to §307 and separate real-property branch"],["Rebate less than $1","§42-307(1)","Section does not require that small rebate"],["Minimum ≤contracted finance charge and $5 or $7.50","§307(2)","Principal ≤$75 or >$75; excluded transaction categories"],["𝑅\n≥\n𝐹\n(\n𝑆\n𝑅\n/\n𝑆\n𝑂\n)\nR≥F(S\nR\n\t​\n\n/S\nO\n\t​\n\n)","Standard unearned-charge relation","Nearest installment date and all adjustments/exceptions"],["On/before fifteenth day after installment","Statutory deemed-prepayment-date relation","Not a general payment grace period"],["One-thirtieth of first-period retained charge per day","Before-first-installment adjustment","Exact statutory branch"],["On/after July1,1978; more than sixty-one original installments","Alternative actuarial rebate branch","Actual original enactment/application chain not recovered"],["Nearest quarter percentage point","Permitted rate rounding in one actuarial alternative","Must not be consistently used to increase permitted yield"],["Half or more intervals at least one month","Monthly computational-period test","Otherwise weekly"],["Include either first or last day","Defined interval","Not both by assumption"],["Month plus no more than fifteen days; weekly interval no more than eleven days","First-interval classification","Subject to irregular-payment rules"],["More than five days shorter/longer than month, with upper limit","Monthly irregular first interval","One-thirtieth adjustment"],["Sixteen or more extra days","Final monthly fractional period","Counts as computational period under clause"],["Less than five or more than nine but no more than eleven days","Weekly irregular first interval","One-seventh adjustment relative to seven days"],["Four or more extra days","Final weekly fractional period","Counts under clause"],["Judgment entry","Accelerated precomputed rebate event","Not ordinary accrual/limitations"],["Insurance payment/proof relation and ten business days","§307(9)","No insurance claim or date determined"],["Payment greater than twice average earlier payments","Balloon refinance threshold","Complete exceptions"],["No less favorable terms/no penalty","Qualifying balloon refinancing","No actual new contract"]]},{"headers":["Quantity/relation","Base/trigger","Qualification"],"index":26,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity/relation","Base/trigger","Qualification"],["Midnight third business day","Qualifying home-solicitation signing","Compliant writing; exclusions and counting held"],["Mailing deposit versus receipt","Buyer cancellation notice","Proper address/postage and statutory method"],["Ten days after receipt","Seller’s cancellation-return obligation","Not buyer’s dispatch event"],["Forty-day presumption","Failure to demand goods within reasonable time","Not universal abandonment or refund period"],["Longer than fifteen years","Credit-insurance scope exclusion","Isolated-insurer exclusion separately applies"],["Thirty days","Insurance evidence/application and delayed-insurability branches","Different reference events; no universal issuance rule"],["Fifteen days after scheduled maturity","Insurance term ceiling branch","Free-extension and other stated qualifications"],["Less than $5 aggregate","Chapter44refund exception","Separate Title41director minimum held"],["At least thirty days before right becomes determinable","Filed insurance-refund formula branch","Director approval/disapproval qualifications"],["Initial debt / remaining debt relations","Individual credit-life limits","Group/open-end branches distinct"],["Unpaid installments / original debt divided by installment count","Periodic-benefit limits","No benefit calculation"],["$500 amount-financed/principal and property-value predicates","Older property-insurance section","Exact insurer/risk/value conditions"],["Ten days after delivery or thirteen days after mailing","Creditor-requested property/liability cancellation","Default or written authorization; no actual notice"],["Thirty days before expiration","Separate Title41existing-coverage renewal branch","No force-placement conclusion"],["Prompt/immediate","Insurance refund/failure-notice clauses","Not converted into an invented fixed deadline"]]},{"headers":["Quantity/relation","Legal object","Qualification"],"index":27,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Quantity/relation","Legal object","Qualification"],["Amount owing when assignee receives notice","§45-302 liability cap","Its allocation and claim predicates"],["Amounts paid under contract","Rule210 notice","Different authority and measure"],["First incurred; same-day smallest first","Specific allocation provisions","Open-end finance charges receive stated priority"],["Cash price ≤$1,000","§45-103 narrow deficiency branches","Not principal or sale proceeds"],["$100–$1,000","Specified nonclass debtor penalties","Court determination and defenses"],["Two years","Open-end remedy branches","Violation/refund-event distinctions"],["One year after scheduled/accelerated maturity","Other specified remedy branches","Not ordinary debt limitation"],["Thirty days presumed reasonable","§45-201 refund-demand branch","Not every refund obligation"],["Forty-five days after creditor notice","Conditional penalty correction","Before stated debtor notice/action conditions"],["Preponderance","Bona-fide-error defense","Intent and adapted-procedure elements"],["One year from violation","Older disclosure-remedy section","Defined federal law and duplicate-liability limits"],["No part-specific time bar for defense","§45-202","Not extension of every affirmative claim"],["Thirty days after order receipt","§46-108 review-initiation clause","Full APA/current-law reconciliation held"],["Thirty days after service of review petition","Record transmission","Court extension allowed"],["≤$5,000","Administrator repeated/intentional-violation penalty","Separate from debtor damages"],["Two years before administrator action","§46-113 penalty reach","Not every administrative remedy"],["March31,2022","Consumer-protection rule effectiveness and separate Credit Code-rule expiration","Different legal events"],["April12,2022","Indirect-lending guidance issuance","Not enactment"],["January1,2024 / 2024 / 2025","Source edition labels","Not clause-effective dates"],["Unknown","Actual purpose, amount, assent, service, receipt, payment, default, prepayment, refund, notice, reliance","None supplied or calculated"]]},{"headers":["Branch","Missing predicate","Supported consequence","Adverse inference to avoid","Next generic inquiry"],"index":28,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Branch","Missing predicate","Supported consequence","Adverse inference to avoid","Next generic inquiry"],["B01—credit sale","Regular seller/card, installment/charge, consumer purpose","Credit Code sale framework","Label alone controls","Official current definitions"],["B02—sale versus loan","Substance of funding and obligation","Conditional distinction","Assignment always creates or never creates loan","Statutory construction; no actual agreement"],["B03—lease/rental-purchase","Complete economic and termination predicates","Possible different regime","Lease title decides","Article2A/rental-purchase law"],["B04—Idaho scope","Territorial and exclusion conditions","Relevant state branch","Universal internet coverage or exemption","Official §41-201 and conflicts law"],["B05—formation","Writing/exception/acceptance conditions","Article2enforceability framework","Every unsigned agreement void or valid","Complete necessary incorporation"],["B06—disclosure","State-defined federal and independent federal coverage","Conditional disclosure duties","Current federal text automatically equals state incorporation","Valid current rule adoption and RegulationZ"],["B07—vehicle contingency","Subject-to-financing agreement, agreed terms/time","Rule237 consequences","Universal cooling-off period","Current rule/statute interaction"],["B08—fees","Agreement, classification, timing, other limits","Conditional charge","No cap found means unlimited permission","Official statutes and federal limits"],["B09—late/deferral","Correct installment, delay and prior charges","Statutory ceiling/anti-overlap","Repeated fee or duplicate deferral charge","Exact allocation/construction"],["B10—refinancing","Same-creditor/new agreement and correct balance","Consolidation/refinancing rules","New document validates old excess charges","Official balance/rebate rules"],["B11—prepayment","Precomputed/nonprecomputed and method predicates","Conditional rebate","Cancellation or universal simple prorating","Federal §1615/current actuarial rule"],["B12—balloon","Threshold and no exception","Refinance right","Every large payment qualifies","Official exemption rules"],["B13—home solicitation","Location, solicitation, credit and exclusion predicates","Category-specific cancellation","All sales have three days","Complete form/current federal interface"],["B14—referral sale","Prohibited contingent inducement","Specific unenforceability/election","All discounts or referrals unlawful","Generic construction"],["B15—insurance","Covered insurance, valid agreement, insurer qualification","Charge/refund/choice duties","Add-on label proves authorization","Remaining Title41/rules"],["B16—assignee","Valid assignment, claim, notice and allocation","Conditional claims/defenses","Ownership or affirmative recovery automatic","State/federal-holder relationship"],["B17—default","Payment failure or statutory impairment","Permissible default category","One event creates deficiency or possession right","Separate Article9/contract law"],["B18—small-sale remedy","Exact cash-price and collateral/election branch","§45-103 restriction","All consumer loans nonrecourse","Official scope and construction"],["B19—private remedy","Enumerated violation, timing, injury and defenses","Conditional damages/penalty","Every defect voids debt","Current remedy text"],["B20—defensive setoff","Entitlement to specified damages/penalties","Part-specific defense despite period","Every stale claim revived affirmatively","Generic construction"],["B21—administrator","Statutory actor/scope/grounds","Defined investigation/order/action","Accepted complaint or guaranteed restitution","Unread powers/APA/currentness"],["B22—records","Applicable transaction and request","Specific receipt/statement duty","Universal retention period inferred","Current §204 and federal retention"],["B23—special regimes","Independent coverage","Held dependency","State compliance proves federal permission","Exact authorities in Section7"],["B24—currency","Official current bodies and adopted chain","Exact gap can close","Index or old guidance proves no later change","Ordinary official publication recovery"]]},{"headers":["Field","Entry"],"index":29,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Field","Entry"],["Transaction category",""],["Governing authority and edition",""],["Official-current-text status",""],["Consumer-purpose predicate",""],["Seller/creditor predicate",""],["Territorial predicate",""],["Exemption or special regime",""],["Sale/loan/lease distinction",""],["Cash-price category",""],["Down-payment/trade-in category",""],["Amount-financed definition",""],["Finance-charge definition",""],["Writing/signature requirement",""],["Copy/delivery requirement",""],["Motor-vehicle modification",""],["Additional-product condition",""],["Delinquency-charge provision",""],["Deferral provision",""],["Refinancing/consolidation provision",""],["Prepayment provision",""],["Rebate method/exception",""],["Insurance scope and refund provision",""],["Cancellation branch",""],["Default predicate",""],["Assignee notice/proof rule",""],["Claims/defenses provision",""],["Holder-notice requirement",""],["Allocation rule",""],["Civil-remedy predicate",""],["Defensive-setoff provision",""],["Administrative-authority provision",""],["Record/retention dependency",""],["Federal dependency",""],["Unread incorporation",""],["Missing primary evidence",""],["Review status",""]]},{"headers":["Requested question/subquestion","Disposition","Claims/sources/branches","Retained gap"],"index":30,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested question/subquestion","Disposition","Claims/sources/branches","Retained gap"],["1—current framework","Provisional statutes; official consumer rules recovered","C001–C006; S003–S004,S014","Official current statutory bodies"],["Complete definitions/scope","Necessary clauses read","C002–C004,C007","External incorporations and actual classification"],["Motor-vehicle regime","Material official rules read","C006,C010–C011","No exhaustive absence of other vehicle law"],["Sale/loan/lease/open-end/cash","Distinguished","C002,C005,C008","Full true-lease/rental-purchase regimes"],["Amount/security predicates","Distinguished","C007,C012–C013","No attachment/perfection finding"],["Territorial/exemptions","Read conditionally","C003–C004","Federal/tribal/interstate law"],["Enactment/application","Partial","C052; S015–S017","Original Credit Code and amendment chain"],["2—writing/signatures","Article2and special branches read","C008,C011,C027","No universal signed-form conclusion"],["Copies/delivery","Specific branches identified","C011,C020,C027,C032","Full federal/electronic requirements"],["Retention","Specific statements identified; general period held","C020","Current §204/federal record law"],["Amount categories","Distinguished","C007","No financial values"],["Prohibited clauses","Read","C012–C015","Actual enforceability not determined"],["Assignee/holder/nonwaiver","Separate provisions read","C038–C040,C049","State/federal interaction"],["3—finance charges","Conditional authority read","C016","No actual rate/APR"],["Delinquency/default/deferral","Complete material branches","C017–C018,C037","Official currentness"],["Additional charges/insurance","Material scope and exceptions read","C031–C036","Failed insurance sections/current rules"],["Attorney/collection fees","Sale-versus-loan distinction preserved","C015,C037","Older §312/current authority"],["Tiers/units/rounding","Registered","Section10","No calculations"],["4—payment/prepayment/rebate","Complete material provisions read","C020–C025","Federal rebate/current actuarial rule"],["Cancellation/rescission","Category-specific","C011,C026–C030","Incomplete statutory form/federal exclusions"],["Default/acceleration/cure","Statutory default read; universal cure not inferred","C037","Contract/federal/Article9 interfaces"],["Election/deficiency","Narrow §45-103boundary","C041","No secured-remedy rerun"],["5—assignee/defense/recoupment","Material state provisions read","C038–C040,C047","No actual liability or federal cap"],["Private remedies","Conditional branches read","C042–C048","Current official text/construction"],["Error/correction/burden","Read","C045","No actual defense"],["Administrator","Narrow powers/read limits","C050–C051","§§104/115and full APA held"],["Nonwaiver","Complete material clause","C049","No actual settlement"],["6—special regimes","Exact dependencies supplied","C054; Section7","No unsourced federal merits"],["Licensing/title/Article9","Deliberately excluded","C005,C012,C041","Separate reports not reused"],["Insurance/discrimination/privacy","Partially addressed or held","C031–C036,C054","Complete special regimes"],["Local/tribal/interstate","Held beyond read state text","C004,C054","No jurisdiction outcome"],["7—literal sources/credits","Visible register supplied","Section8","Original final enactments missing"],["Rule effective/history","Official text and history read","S014–S016","No exhaustive later-change audit"],["Failed-route discipline","Logged","S001","No absence inference"],["PDF pixels","Separately recorded","Section14","Failed pages disclosed"],["Quantities/branches/worksheet","Supplied","Sections10–12","No actual values"],["Prior C033/C035 and other holds","Unchanged","C056","No acceptance"],["Idaho/dimension6/A066/parent","Not accepted complete","All findings","Exact gaps above"]]},{"headers":["Material","Actual use"],"index":31,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Actual use"],["Official Idaho statutory index","Located relevant provisions and ordinary official routes"],["Official statutory bodies","Fresh attempts failed as recorded"],["Dated statutory reproductions","Complete or expressly bounded bodies listed in Section8"],["Older provisions","Clearly separated from 2025 and official-current findings"],["Official consumer-protection rules","Necessary scope, holder, motor-vehicle, financing and disclosure clauses"],["Official adoption/history index","Relevant 2022 adoption and separate Credit Code-rule expiration"],["Official indirect-lending guidance","Complete generic sale-versus-loan interpretation"],["Generic currentness searches","No no-change conclusion from unsuccessful discovery"],["Cases/opinions/dockets","Incidental results were not investigated or used"],["Actual dealers, lenders, policies, products, agreements, VIN/title records, bills, accounts","Not examined"],["Complaint/record-request pages appearing in search","Not opened as intake or used for any request"],["Earlier saved reports or metadata","Supplied exclusions only; not substantive authority"]]},{"headers":["PDF","Parsed read scope","Pixels actually inspected"],"index":32,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["PDF","Parsed read scope","Pixels actually inspected"],["IDAPA 04.02.01","Relevant complete clauses listed in S014","Printed pp.6–11,28–30,32–33; indices5–10,27–29,31–32"],["Same, printed p.31","Relevant paragraph text","Screenshot failed; no pixel claim"],["2022 History Notes","Relevant adoption entry and introductory date explanation","Screenshot failed; parsed-only"],["IDAPA12 cumulative index","Relevant expiration entry","Printed p.3/index2"],["2022 indirect-lending guidance","Complete three pages","Printed pp.1–3/indices0–2"],["May2022bulletin","Publication surfaced; later target retrieval failed","No target-page visual claim"]]}],"claims":[{"claim_id":"S_ID-P17-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Proposition":"Official current statutory authentication remains unresolved.","Sources/pinpoints":"S001–S003","Status/limit":"H; not no-law evidence"},"raw_table_index":23,"coordinator_verification_status":"original_provisional_or_held_record_reconciled_not_new_primary_verification","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Selectedgroupisnotfreshverificationofeverysubclaim. 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Officialstatutes/definitions/completecurrentness/secondaryversions/federalincorporations/judicialconstruction/applicationremainheld; C052adoptionhistoryunverifiedhere.","original_researcher_record_unchanged":true}},{"claim_id":"S_ID-P17-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Proposition":"Territorial and choice-of-law conditions require separate analysis.","Sources/pinpoints":"§41-201","Status/limit":"P; no actual jurisdiction"},"raw_table_index":23,"coordinator_verification_status":"original_provisional_or_held_record_reconciled_not_new_primary_verification","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Selectedgroupisnotfreshverificationofeverysubclaim. Officialstatutes/definitions/completecurrentness/secondaryversions/federalincorporations/judicialconstruction/applicationremainheld; C052adoptionhistoryunverifiedhere.","original_researcher_record_unchanged":true}},{"claim_id":"S_ID-P17-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Proposition":"Genuine credit-sale assignment is not automatically a loan; agency guidance is conditional.","Sources/pinpoints":"S017; S003","Status/limit":"G/P"},"raw_table_index":23,"coordinator_verification_status":"selected_official_text_scope_checked_all_remaining_holds_retained","id_normalization":"Visible bare claim ID qualified by actual task AND pass; original cell unchanged.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":["indirect_lending_guidance"],"scope":"Selectedgroupisnotfreshverificationofeverysubclaim. 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All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S002","urls":["https://www.finance.idaho.gov/legal/statutes-and-rules/"],"researcher_record":{"Source ID":"S_ID-P17-S002","Verbatim complete visible source and usage section":"S002 — official statutory locator\n\nIssuer/title: Idaho Department of Finance, Statutes and Rules.\nURL: https://www.finance.idaho.gov/legal/statutes-and-rules/\n\nRead: Relevant Credit Code, Consumer Protection Act, and administrative-section links; guidance-status warning.\n\nStatus: Official locator, not operative statutory text. No current license, tariff, contract, provider, or record was searched."},"source_access_status":"discovery_only","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S003","urls":["https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-103/","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-1/section-28-41-108/","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-49/section-28-49-101/"],"researcher_record":{"Source ID":"S_ID-P17-S003","Verbatim complete visible source and usage section":"S003 — Credit Code scope and definitions\n\nPublisher/edition: Justia, 2025 Idaho Code.\nStatus: Secondary, expressly subject to currentness limitations.\n\nLiteral URL\tRead bounds\tDisplayed credits\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-103/\tComplete supplemental-law clause\t1983 ch.119 §3, p.265\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/\tComplete (1)–(5)\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-1/section-28-41-108/\tComplete opt-in provision\t1983 p.266; 2013 ch.54 §10 p.120\nhttps://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/\tComplete territorial provisions\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/\tNecessary complete definitions, including agreement, amount financed, business/consumer purpose, cash price, finance charge, goods, loan, open-end, installments, precomputed, presumptions, regulated sale/loan, seller and supervised organization; cross-reference list inspected\t1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109\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-49/section-28-49-101/\tComplete relationship/local-authority provision\t2002 ch.301 §8 p.864; 2014 ch.97 §12 p.274\n\nThe original 1983 enactment, complete transition/savings provisions, and later adopted amendment bodies were not recovered."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S004","urls":["https://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-102/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-104/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-105/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-106/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-201/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-204/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-602/","https://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-606/"],"researcher_record":{"Source ID":"S_ID-P17-S004","Verbatim complete visible source and usage section":"S004 — UCC formation and lease boundary\n\nPublisher/status: Same 2025 secondary publication.\n\nLiteral URL\tRead bounds\tDisplayed credits\nhttps://law.justia.com/codes/idaho/title-28/chapter-1/part-2/section-28-1-203/\tComplete (a)–(e)\t2004 ch.43 §13 p.147\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-102/\tComplete scope\t1967 ch.161 §2-102 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-104/\tComplete merchant/financing definitions\t1967 §2-104; 2004 ch.42 §5 p.104\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-105/\tComplete goods definitions\t1967 §2-105 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-1/section-28-2-106/\tComplete sale/termination/cancellation definitions\t1967 §2-106 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-201/\tComplete writing requirement and exceptions\t1967 §2-201 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-2/section-28-2-204/\tComplete formation provision\t1967 §2-204 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-602/\tComplete section read; reliance limited to subsection (1) for the acceptance incorporation\t1967 §2-602 p.351\nhttps://law.justia.com/codes/idaho/title-28/chapter-2/part-6/section-28-2-606/\tComplete acceptance provision\t1967 §2-606 p.351\n\nUnexamined rejection, revocation, warranty, buyer/seller remedies, and Article 2A provisions remain separate."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S005","urls":["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-2/section-28-43-203/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-301/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/","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-28-43-306/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-307/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-308/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/"],"researcher_record":{"Source ID":"S_ID-P17-S005","Verbatim complete visible source and usage section":"S005 — credit-sale agreement, payment, and prohibited terms\n\nPublisher/status: Justia 2025; common source 1983 ch.119 §3.\n\nLiteral URL\tRead bounds\tDisplayed page\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/\tComplete disclosure incorporation\tp.282\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/\tComplete assignment notice/proof\tp.282\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-203/\tComplete open-end change provision\tp.282\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-301/\tComplete security-in-sales provision\tp.283\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-302/\tComplete cross-collateral provision\tp.283\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-303/\tComplete allocation provision\tp.283\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/\tComplete earnings-assignment prohibition/exception\tp.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/\tComplete confession prohibition\tp.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-306/\tComplete negotiable-instrument restriction\tp.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-307/\tComplete balloon provision and exceptions\tp.284\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-308/\tComplete referral-sales provision\tp.285\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/\tComplete loan-only attorney-fee restriction\tp.285\n\nNegotiable-instrument classification, security perfection, wage execution, and actual contract enforceability were not determined."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S006","urls":["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-28-42-301/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-302/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-303/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-304/","https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-305/","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/"],"researcher_record":{"Source ID":"S_ID-P17-S006","Verbatim complete visible source and usage section":"S006 — finance charges, changes, and prepayment\nLiteral URL\tRead bounds\tDisplayed credit\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/\tComplete (1)–(4)\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-28-42-301/\tComplete (1)–(6); mortgage branch not applied\t1983 p.276; amendments through 2002 ch.302 §1 p.865\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-302/\tComplete deferral provision\t1983 p.277\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-303/\tComplete refinancing provision\t1983 p.277\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-304/\tComplete consolidation alternatives\t1983 p.277\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-305/\tComplete conversion provision\t1983 p.278\nhttps://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/\tComplete prepayment provision; real-estate branch not applied\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)\t1983 p.278\n\nOriginal adopted amendments, federal preemption/rebate interaction, and current actuarial-method rule remain held."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S007","urls":["https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-402/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-403/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-404/","https://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-405/"],"researcher_record":{"Source ID":"S_ID-P17-S007","Verbatim complete visible source and usage section":"S007 — home-solicitation credit sales\nLiteral URL\tRead bounds\tDisplayed credit\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-401/\tComplete definition/exclusions\t1983 ch.119 §3 p.286\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-402/\tComplete cancellation provision\t1983 p.286\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-403/\tComplete visible operative paragraphs; embedded form ends incompletely in reproduction\t1983 p.286\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-404/\tComplete seller-return provision\t1983 p.287\nhttps://law.justia.com/codes/idaho/title-28/chapter-43/part-4/section-28-43-405/\tComplete body\t1983 p.287; no obligation inferred solely from its heading"},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S008","urls":["https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-102/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-103/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-104/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-105/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-106/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-107/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-108/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-109/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-110/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-201/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-202/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-304/"],"researcher_record":{"Source ID":"S_ID-P17-S008","Verbatim complete visible source and usage section":"S008 — Credit Code insurance\nLiteral URL\tRead bounds\tDisplayed credit/status\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-102/\tComplete scope\t1983 p.287; 2013 ch.54 §11 p.120\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-103/\tComplete credit-insurance definition/exclusions\t1983 p.288\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-104/\tComplete charge authority/limits\t1983 p.288\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-105/\tComplete evidence/notification clause\t1983 p.288\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-106/\tComplete unconscionability factors\t1983 p.288\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-107/\tComplete premium ceilings/open-end bases\t1983 p.289; 2013 ch.54 §12 p.121; 2014 ch.97 §11 p.274\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-108/\tComplete refund/credit conditions\t1983 p.289; 1993 ch.42 §1 p.114\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-109/\tComplete choice-of-coverage clause\t1983 p.290\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-1/section-28-44-110/\tComplete new-charge conditions\t1983 p.290\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-201/\tComplete term provision\t1983 p.291\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-2/section-28-44-202/\tComplete amount provision\t1983 p.291\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-304/\tComplete cancellation/notice provision\t1983 p.293\n\nAll are 2025 secondary bodies. No insurer schedule, policy, certificate, or product was retrieved."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S009","urls":["https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2301/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2302/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2303/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2307/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2308/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2310/","https://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2313/","https://law.justia.com/codes/idaho/title-41/chapter-13/section-41-1312/"],"researcher_record":{"Source ID":"S_ID-P17-S009","Verbatim complete visible source and usage section":"S009 — indispensable Title 41 insurance clauses\nLiteral URL\tRead bounds\tDisplayed credits\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2301/\tComplete purpose clause\t1961 ch.330 §536 p.645\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2302/\tComplete short title\t1961 §537 p.645\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2303/\tComplete scope/exclusions\t1961 §538; amendments through 1993 ch.48 §1 p.125\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2307/\tComplete term/refund cross-reference\t1961 ch.330; original full amendment chain not reconstructed\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2308/\tComplete (1)–(4), delivery/application/notice requirements\t1961 §543 p.645; 1972 ch.369 §12 p.1072\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2310/\tComplete premiums/refunds\t1961 §545 p.645\nhttps://law.justia.com/codes/idaho/title-41/chapter-23/section-41-2313/\tComplete choice provision\t1961 §548 p.645\nhttps://law.justia.com/codes/idaho/title-41/chapter-13/section-41-1312/\tComplete (1)–(4), selection and rejection qualifications\t1961 §290 p.645\n\nGroup insurance §§ 41-2005 and 41-2306, insurer-qualification rules, director-prescribed refund minimums, and complete coercion/service-fee rules remain held."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S010","urls":["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-28-45-103/","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-2/section-28-45-202/","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-46/part-1/section-28-46-102/","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-1/section-28-46-105/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-106/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-107/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-108/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-111/","https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-113/"],"researcher_record":{"Source ID":"S_ID-P17-S010","Verbatim complete visible source and usage section":"S010 — remedies and administration\nLiteral URL\tRead bounds\tDisplayed credits\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-28-45-103/\tComplete (1)–(6), narrow sale-specific deficiency interface\t1983 p.294\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/\tComplete unconscionability provision\t1983 p.295\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/\tComplete default provision\t1983 p.296\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/\tComplete (1)–(8); employment subsection not applied\t1983 p.296; 2002 ch.301 §3 p.860\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-202/\tComplete defensive-setoff provision\t1983 p.298\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/\tComplete default-charge limitation\t1983 p.298\nhttps://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/\tComplete (1)–(3)\t1983 p.299\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-102/\tComplete administrative scope\t1983 p.300; 2013 ch.54 §13 p.121\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-1/section-28-46-105/\tComplete supervised-organization allocation\t1983 p.301\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-106/\tComplete investigation provision\t1983 p.301; 1990 ch.213 §24 p.504; 2015 ch.141 §48 p.417\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-107/\tComplete APA incorporation\t1983 p.302\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-108/\tComplete (1)–(7), including special no-prior-notice and regulated-lender exceptions\t1983 p.302; 2002 ch.301 §4 p.862; 2006 ch.122 §4 p.348\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-111/\tComplete injunction predicates/factors\t1983 p.304\nhttps://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-113/\tComplete recovery, precedence, defense, and penalty branches\t1983 p.305; 2002 ch.301 §5 p.863; 2006 ch.122 §5 p.349\n\nNo actual complaint, order, investigation, proceeding, or enforcement record was examined."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S011","urls":["https://law.justia.com/codes/idaho/2024/title-28/chapter-43/part-3/section-28-43-312/","https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/","https://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-301/"],"researcher_record":{"Source ID":"S_ID-P17-S011","Verbatim complete visible source and usage section":"S011 — older Justia provisions\nLiteral URL\tEdition/read bounds\tLimit\nhttps://law.justia.com/codes/idaho/2024/title-28/chapter-43/part-3/section-28-43-312/\t2024, complete; 1983 ch.119 §3 p.285\tCurrent version inaccessible\nhttps://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/\t2024, complete; 1983 p.298\tCurrent version inaccessible\nhttps://law.justia.com/codes/idaho/title-28/chapter-44/part-3/section-28-44-301/\tReturned 2024 reproduction, complete; 1983 p.292\tUndated URL does not make the returned edition 2025 or current"},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S012","urls":["https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204/"],"researcher_record":{"Source ID":"S_ID-P17-S012","Verbatim complete visible source and usage section":"S012 — older receipt/account statement source\n\nPublisher/title: FindLaw, § 28-43-204.\nURL: https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204/\n\nRead: Complete (1)–(3), date, and currentness warning.\nEdition: “Current as of January 01, 2024.”\nLimit: No enactment history displayed in the recovered page; no current official authentication."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S013","urls":["https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/","https://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/","https://law.justia.com/codes/idaho/title-49/chapter-1/section-49-123/"],"researcher_record":{"Source ID":"S_ID-P17-S013","Verbatim complete visible source and usage section":"S013 — consumer-protection and motor-vehicle scope\nLiteral URL\tRead bounds\tStatus/credits\nhttps://law.justia.com/codes/idaho/title-48/chapter-6/section-48-602/\tComplete material definitions\t2025 secondary; displayed amendments through 1993 ch.102 §1 p.256\nhttps://law.justia.com/codes/idaho/title-48/chapter-6/section-48-605/\tComplete exceptions\t2025 secondary; 1971 ch.181 §6 p.847\nhttps://law.justia.com/codes/idaho/title-49/chapter-1/section-49-123/\tNecessary vehicle/motor-vehicle definitions, especially (2)(a), (h), and displayed history; other vehicle categories not applied\t2025 secondary; added 1988 ch.265 §2 p.569, with lengthy later amendment history. Complete original history and §49-107 incorporation not authenticated."},"source_access_status":"researcher_reported","coordinator_verification_status":"original_group_reconciled_not_freshly_verified","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S014","urls":["https://adminrules.idaho.gov/rules/current/04/040201.pdf","https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf"],"researcher_record":{"Source ID":"S_ID-P17-S014","Verbatim complete visible source and usage section":"S014 — official consumer-protection rules\n\nIssuer/title: Idaho Attorney General/OARC, IDAPA 04.02.01—Idaho Rules of Consumer Protection.\n\nhttps://adminrules.idaho.gov/rules/current/04/040201.pdf\nOfficial delivery copy: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/rules/current/04/040201.pdf\n\nOne document, not two authorities.\n\nActual read: Complete material Rules 000–009; necessary Rule 020 definitions; Rule 210; Rules 230–232; relevant complete paragraphs of Rules 233–234; complete Rules 235 and 237. Other rules were not treated as a complete general-consumer-protection investigation.\n\nPinpoints and pixels:\n\nPrinted pp. 6–11 / PDF indices 5–10: scope and necessary definitions, visually inspected.\nPrinted p. 28 / index 27: Rule 210, visually inspected.\nPrinted pp. 29–30 / indices 28–29: material vehicle rules, visually inspected.\nPrinted p. 31 / index 30: relevant text read; screenshot failed.\nPrinted pp. 32–33 / indices 31–32: Rules 235 and 237, visually inspected.\n\nStatus: Official current-published body. Relevant clauses carry March 31, 2022. No exhaustive later rulemaking, statutory-conflict, or federal-incorporation audit is claimed."},"source_access_status":"researcher_reported","coordinator_verification_status":"selected_official_primary_text_checked_with_incorporation_currentness_application_holds","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":["rules_scope_and_definitions","holder_notice","vehicle_advertising","financing_contingency"],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S015","urls":["https://adminrules.idaho.gov/history_notes/2022%20History%20Notes.pdf"],"researcher_record":{"Source ID":"S_ID-P17-S015","Verbatim complete visible source and usage section":"S015 — official rule adoption evidence\n\nIssuer/title: OARC, 2022 History Notes.\nURL: https://adminrules.idaho.gov/history_notes/2022%20History%20Notes.pdf\n\nRead: Complete relevant entry for docket 04-0000-2100, printed p. 3/PDF index 2, plus introductory effective-date explanation.\n\nFinding: Chapter 04.02.01 identified as adopted with March 31, 2022 effectiveness; proposed and pending publication references are recorded.\n\nVisual limit: Screenshot failed after official redirect. Parsed text was read; no pixel-inspection claim.\n\nThe May 2022 bulletin was encountered but the target pinpoint failed on later retrieval. It is not used as an independently verified duplicate adoption source."},"source_access_status":"researcher_reported","coordinator_verification_status":"fresh_literal_history_body_failed_original_attribution_retained","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":[],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S016","urls":["https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf"],"researcher_record":{"Source ID":"S_ID-P17-S016","Verbatim complete visible source and usage section":"S016 — official Credit Code rule-status index\n\nIssuer/title: OARC, IDAPA 12 cumulative index.\nURL: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf\n\nRead/pixels: Relevant entry on printed p. 3/PDF index 2, visually inspected.\n\nFinding: IDAPA 12.01.09 is marked expired March 31, 2022.\n\nLimit: Not an exhaustive finding that no later rule, order, or valid incorporation exists. The archived chapter was not applied as current law."},"source_access_status":"researcher_reported","coordinator_verification_status":"dated_official_index_entry_reused_only","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":["dated_credit_code_rule_expiry_index"],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}},{"source_id":"S_ID-P17-S017","urls":["https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/regulated-lenders/guidance-statement-indirect-lending-idaho-credit-code-2022-01-cfb-1.pdf"],"researcher_record":{"Source ID":"S_ID-P17-S017","Verbatim complete visible source and usage section":"S017 — official indirect-lending interpretation\n\nIssuer/title: Idaho Department of Finance, Guidance Statement 2022-01-CFB, Indirect Lending Under the Idaho Credit Code.\n\nURL: https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/regulated-lenders/guidance-statement-indirect-lending-idaho-credit-code-2022-01-cfb-1.pdf\n\nRead/pixels: Complete three-page body; printed pp. 1–3/PDF indices 0–2 visually inspected.\n\nDate/status: April 12, 2022, official agency interpretation expressly stating it is not new law or a new legal requirement.\n\nLimit: Supports the generic sale-versus-loan distinction. No actual lender, assignee, seller, license, or financing arrangement was investigated."},"source_access_status":"researcher_reported","coordinator_verification_status":"selected_official_primary_text_checked_with_incorporation_currentness_application_holds","classification_reconciliation":"Complete visible heading source group; not new source verification.","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","source_checks":"[internal evidence reference]","selected_evidence_groups":["indirect_lending_guidance"],"scope":"Exactlyselectedgenericbody/indexonly; no fullstatutoryauthentication/latestadoption/judicial/application/pixels or actuallicensing. All secondary/older/failed/usages preserved as originally attributed.","original_researcher_record_unchanged":true}}],"coverage":[{"topic":"1—current framework","researcher_record":{"Requested question/subquestion":"1—current framework","Disposition":"Provisional statutes; official consumer rules recovered","Claims/sources/branches":"C001–C006; S003–S004,S014","Retained gap":"Official current statutory bodies"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Complete definitions/scope","researcher_record":{"Requested question/subquestion":"Complete definitions/scope","Disposition":"Necessary clauses read","Claims/sources/branches":"C002–C004,C007","Retained gap":"External incorporations and actual classification"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Motor-vehicle regime","researcher_record":{"Requested question/subquestion":"Motor-vehicle regime","Disposition":"Material official rules read","Claims/sources/branches":"C006,C010–C011","Retained gap":"No exhaustive absence of other vehicle law"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Sale/loan/lease/open-end/cash","researcher_record":{"Requested question/subquestion":"Sale/loan/lease/open-end/cash","Disposition":"Distinguished","Claims/sources/branches":"C002,C005,C008","Retained gap":"Full true-lease/rental-purchase regimes"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Amount/security predicates","researcher_record":{"Requested question/subquestion":"Amount/security predicates","Disposition":"Distinguished","Claims/sources/branches":"C007,C012–C013","Retained gap":"No attachment/perfection finding"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Territorial/exemptions","researcher_record":{"Requested question/subquestion":"Territorial/exemptions","Disposition":"Read conditionally","Claims/sources/branches":"C003–C004","Retained gap":"Federal/tribal/interstate law"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Enactment/application","researcher_record":{"Requested question/subquestion":"Enactment/application","Disposition":"Partial","Claims/sources/branches":"C052; S015–S017","Retained gap":"Original Credit Code and amendment chain"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"2—writing/signatures","researcher_record":{"Requested question/subquestion":"2—writing/signatures","Disposition":"Article2and special branches read","Claims/sources/branches":"C008,C011,C027","Retained gap":"No universal signed-form conclusion"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Copies/delivery","researcher_record":{"Requested question/subquestion":"Copies/delivery","Disposition":"Specific branches identified","Claims/sources/branches":"C011,C020,C027,C032","Retained gap":"Full federal/electronic requirements"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. Primaryrules/guidancescopeonly; historyaccessandrenderingvalidationholdspreserved.","original_researcher_record_unchanged":true}},{"topic":"Retention","researcher_record":{"Requested question/subquestion":"Retention","Disposition":"Specific statements identified; general period held","Claims/sources/branches":"C020","Retained gap":"Current §204/federal record law"},"raw_table_index":30,"coordinator_acceptance":"scoped_reviewed_with_all_original_provisional_and_application_holds","coordinator_review":{"at":"2026-10-29T10:05:33.152567+00:00","review_file":"[internal evidence reference]","scope":"Exactoriginalpartial/provisional/held/excludedcategory retained, not expanded toacceptance. 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