{"meta":{"key":"s_ks--pass-07","task":"S_KS","title":"Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","parent_title":"Kansas debt and debt relief law","edition":"pass-07","path":"/research/s_ks--pass-07/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":63,"sources":25,"review_status":"revise_bounded_paid_outside_cost_predicate_UNSENT_other_holds_retained","review_complete":true,"sha256":"8e24c4be27ab46d213b82587c9ed678bacd329add1aa10e3bb74460295060407","headings":["Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct","A1. No general statewide OSBC collection-agency license established","A2. Kansas UCCC jurisdiction and remote nexus","A3. Supervised-lender licensing of assignees and debt buyers","A4. Supervised-lender lifecycle and places of business","A5. Supervised-lender attorney exemption is narrow","A6. Consumer Credit Filer regime","Current statutory ambiguity","A7. Public application and verification routes","A8. Government fees and financial responsibility","C1. KCPA applies to independent collection agencies","C2. Deceptive collection conduct","C3. Unconscionable collection conduct","C4. UCCC good faith and applicable-law duties","C5. Communication times, places, frequency, workplace, third parties, and cease requests","C6. General Kansas telecommunication harassment","C7. Collection fees and costs","C8. Payment credit and processing","C9. Default and cure","C10. Disputes, cease requests, bankruptcy, death, and credit reporting","C11. CSO and collection-agency separation","E1. FDCPA scope","E2. Debt buyers","E3. Attorneys and litigation","E4. Security-interest enforcement","E5. Regulation F is conditional federal law","E6. State-law preservation","G1. State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc.","G2. Independent Financial, Inc. v. Wanna","G3. Kansas Attorney General Opinion 2012-11","G4. Henson, Heintz, and Obduskey","G5. Formal orders and current interpretations","Example H1 — Original creditor collecting in its own name","Example H2 — Original creditor uses a fake outside agency name","Example H3 — Debt buyer acquires a $5,000, 24% consumer loan","Example H4 — Passive portfolio owner hires a servicer","Example H5 — Consumer Credit Filer fee arithmetic","Example H6 — Outside collection-cost ceiling","Example H7 — Remote third-party agency contacts consumer at work","Example H8 — Attorney receives forwarded accounts versus buys debt","Branch A — Forwarded contracts","Branch B — Attorney-owned company buys the accounts","Example H9 — False legal threat and added 20% fee","Example H10 — Medical debt versus corporate commercial debt","Medical debt","Corporate invoice","Actually read or inspected in PASS-07","Preserved rather than regenerated","Not read, obtained, or established","Method limits","PASS-07 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-07","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Distinct required registry dimension2: collector licensing/model coverage and state-specific conduct only; detailed validation/reporting/litigation/remedies later.","pending_corrections":1},"markdown":"# SettleADebt.com — S_KS, PASS-07\n\n## Kansas collection-agency and debt-buyer licensing, original-creditor coverage, and state-specific collection conduct\n\n**Fresh public-source research date:** October 26, 2026, Pacific (America/Los_Angeles) / October 26, 2026, UTC\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Same-project continuation in this original authorized Chat; **not an independent review**\n**Component boundary:** Kansas collection-entry classification, debt-buyer and assignee licensing or filing, original-creditor versus third-party coverage, and substantive Kansas collection conduct.\n\nThis pass does **not** regenerate the CSO provider-access, fee, funds, security, agreement, or provider-remedies work. It also does not complete the later required Kansas work on detailed validation and documentation, credit reporting, account-level ownership proof, limitations and revival, service and litigation, default judgments, garnishment, repossession, sector rules, local or tribal law, or full collection-remedy analysis.\n\n# Executive determination\n\nKansas does not appear to operate a general statewide “collection agency license” administered by the Office of the State Bank Commissioner for an ordinary third-party collection agency collecting another creditor’s accounts. OSBC’s current complaint page expressly places “collection agencies” outside its ordinary jurisdiction and directs consumers toward federal collection-law resources. That is not an all-clear, however: the same page warns that an agency that **purchases consumer debt** may become a debt buyer subject to Kansas consumer-credit licensing. No broader statewide collection-agency licensing statute was established from the current UCCC, OSBC materials, and cases reviewed in this pass. Local, sector-specific, and attorney-practice requirements remain open. [Kansas Bank Commissioner](https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com)\n\nKansas instead uses a **transaction- and assignee-based architecture**:\n\n- A person that makes supervised loans—or takes assignments of supervised loans and directly or indirectly collects or enforces them, including through servicing contracts—must obtain a Kansas supervised-lender license unless an actual exemption applies.\n- A new supervised-loan assignee must promptly apply and may conditionally collect or enforce for up to three months while the application has not been denied.\n- Other consumer-credit creditors and assignees may fall within the Consumer Credit Filer notice and annual-filing regime.\n- Original creditors remain subject to the Kansas Consumer Protection Act and applicable UCCC duties even when no separate “collection agency” license exists. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/)\n\nThe current Consumer Credit Filer statute requires special caution. K.S.A. 16a-6-201 uses notice-and-filing terminology, while OSBC’s operational page calls the authorization a “Consumer Credit Filer License.” The current subsection (2), after the 2024 amendment, has an awkward and potentially defective grammatical structure around supervised-lender licensees, sales and leases, assignments, attorneys, and collection agencies receiving accounts for collection. The session law confirms that language was deleted and inserted, but neither the codified text nor the session law produces a clean, judicially interpreted answer for every pure contingency collection-agency model. This pass therefore does not silently rewrite the statute or claim categorical CCF exemption or coverage for every third-party agency. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/)\n\nKansas’s substantive collection rules are more fragmented than the federal FDCPA and Regulation F. The principal state-law controls found here are:\n\n- KCPA prohibitions on deception, false status or affiliation, false representations about rights and remedies, willful ambiguity or omission, and unconscionable conduct.\n- UCCC good-faith, fraud, licensing, payment-credit, default, cure, and collection-cost rules for covered consumer-credit actors.\n- A general Kansas criminal prohibition on telephonic or electronic harassment.\n- Transaction-specific restrictions such as the 15% ceiling on certain outside collection costs under a covered UCCC agreement.\n\nA focused search of the current official UCCC compilation, OSBC guidance, and OSBC administrative-interpretation compilation did **not** identify a Kansas collector-specific counterpart to Regulation F’s 8 a.m.–9 p.m. rule, seven-calls-in-seven-days presumption, represented-consumer rule, workplace-contact rule, third-party communication code, cease-communication command, or electronic-message opt-out procedure. That is a bounded public-source finding, not proof that no other Kansas statute, sector rule, court order, or unpublished agency position exists. [Kansas Legislature+5](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/)\n\nThe federal FDCPA and Regulation F remain important but conditional. They apply only when the actor, debt, and activity meet federal definitions. An original creditor generally is not a federal debt collector when collecting in its own name, but it can become one by using a name that falsely suggests a third party. A debt buyer collecting purchased debt for itself is not covered merely under the “owed another” prong, although *Henson* did not decide the principal-purpose prong. Attorneys regularly collecting consumer debt through litigation can be covered, while a person doing no more than enforcing a security interest through nonjudicial foreclosure receives only the limited treatment described in *Obduskey*. Federal law preserves state laws that provide equal or greater protection. [U.S. Code+4](https://uscode.house.gov/us/usc/119-118/t15/s1692a/)\n\n# A. Kansas licensing and classification findings\n\n## A1. No general statewide OSBC collection-agency license established\n\nOSBC’s current consumer-complaint page distinguishes regulated nonbank financial businesses from ordinary collection agencies. It states that collection agencies generally are not regulated by OSBC, while cautioning that an agency purchasing consumer debt may become a debt buyer and require supervised-lender authority. This supports a bounded conclusion that Kansas does not administer a general OSBC collection-agency license for the ordinary contingency agency model. It does **not** establish that the agency has no Kansas obligations, that no other agency or locality has authority, or that the agency is exempt from KCPA, the UCCC, federal law, professional rules, or litigation requirements. [Kansas Bank Commissioner](https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com)\n\nThe practical Kansas classification question is therefore not simply, “Is this company a collection agency?” It is:\n\n1. What type of debt is involved?\n2. Was the obligation made in Kansas?\n3. Is it a UCCC consumer credit transaction?\n4. Is the account a supervised loan?\n5. Does the actor own the receivable, service it, or merely collect for another?\n6. Did the actor receive an assignment of the payment right or only an agency placement?\n7. Is the actor collecting directly, indirectly, or through a servicing contract?\n8. Does an actual statutory exemption apply?\n9. Is the conduct independently governed by KCPA or federal law?\n\n## A2. Kansas UCCC jurisdiction and remote nexus\n\nThe UCCC applies to consumer credit transactions made in Kansas. Current K.S.A. 16a-1-201 reaches transactions where, among other things, the consumer’s written or electronic agreement is received from the consumer in Kansas or the creditor solicits a Kansas resident through mail, telephone, radio, television, email, the internet, or similar means. A remote office, foreign incorporation, digital-only platform, or out-of-state call center therefore does not necessarily defeat Kansas UCCC jurisdiction. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/)\n\nThe underlying transaction must satisfy the relevant consumer-credit definition. Kansas generally requires an individual consumer, a primarily personal, family, or household purpose, and the applicable installment or finance-charge conditions. Certain high-dollar transactions can fall outside the UCCC threshold. The statute states a July 1, 2024 base threshold of at least $69,500 and provides for annual adjustment, but this pass did not verify the exact adjusted 2026 figure. That amount remains held rather than reconstructed. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/)\n\nAssignment is defined broadly enough to include transfers of servicing rights. The definitions of “creditor” and “lender” also address assignees of the right to payment, while providing that assignment alone does not automatically impose every assignor duty arising from events before assignment. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/)\n\n## A3. Supervised-lender licensing of assignees and debt buyers\n\nA supervised loan is generally a consumer loan with an annual percentage rate exceeding 12%. Unless exempt, a person may not:\n\n- Make supervised loans; or\n- Take assignments of supervised loans and directly or indirectly, including through servicing contracts, collect payments or enforce rights against debtors arising from those loans,\n\nwithout a supervised-lender license. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/)\n\nThis provision has several consequences:\n\n- A debt buyer purchasing a portfolio of supervised consumer loans can require supervised-lender licensure even when it originated none of the loans.\n- A passive owner cannot necessarily avoid the requirement by outsourcing collection to a servicer because the statute expressly reaches indirect collection and servicing contracts.\n- A servicer’s own status must be analyzed separately; the owner’s license does not automatically authorize a legally distinct servicer.\n- A purchaser’s federal FDCPA status does not decide its Kansas supervised-lender status.\n\nA person newly taking an assignment of supervised loans must apply promptly. The statute permits collection or enforcement for three months after acquisition if the application has not been denied. This is a bounded temporary bridge, not an indefinite safe harbor and not proof that an actual applicant was authorized. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/)\n\n## A4. Supervised-lender lifecycle and places of business\n\nA supervised-lender license becomes effective on the written effective date, runs on a calendar-year basis, and ordinarily expires December 31. Renewal is due by December 1. The statute permits a reinstatement process through the last day of February and provides continuity where the reinstatement application is approved. Licenses are nontransferable and nonassignable. [Kansas Legislature+2](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/)\n\nThe licensee must conduct business under the licensed name and from licensed places. Ten-business-day notice applies to specified changes such as closure or relocation, name or legal-status changes, and changes in listed owners, officers, partners, members, or directors. Kansas-directed internet and electronic solicitations or advertising must identify the licensed name and license number or unique identifier, and those advertising records must be retained for 36 months. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/)\n\nOSBC’s remote-work guidance allows employees to work from home without automatically making the residence a licensed place of business when, among other things, activity originates from the official licensed customer-facing location and consumers do not meet at the residence. The guidance also says the licensee remains responsible for employees and contractors and must make records available. This is current operational guidance in the 2026 compilation, not a statute, individualized approval, or blanket remote-office exemption. [Kansas Bank Commissioner+2](https://osbckansas.gov/legal/guidance_2026.pdf)\n\n## A5. Supervised-lender attorney exemption is narrow\n\nK.S.A. 16a-2-311 exempts “an attorney who is forwarded contracts for collection” from the supervised-lender licensing provision. The text does not create a blanket exemption for:\n\n- A law firm that buys receivables.\n- A company owned by an attorney.\n- An attorney acting as a principal debt buyer.\n- A servicing affiliate.\n- A provider whose nonlawyer employees conduct ordinary collection operations.\n- A debt purchaser that later places accounts with counsel.\n\nActual forwarding, attorney status, role, ownership, and conduct matter. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0311_section/016a_002_0311_k/)\n\n## A6. Consumer Credit Filer regime\n\nK.S.A. 16a-6-201 reaches creditors engaged in Kansas consumer-credit transactions and certain persons that accept assignments and collect payments or enforce rights arising from those transactions. The statutory mechanism is framed as filing notice with the Administrator, while OSBC operationally calls the authorization a “Consumer Credit Filer License.” These are not interchangeable descriptions of every legal consequence, and neither label proves authorization of a named company. [Kansas Legislature+1](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/)\n\nA person subject to the filing provision must file within 30 days after commencing the relevant business and must amend the notice as required by rule. Annual fees are due by August 31. Current K.A.R. 75-6-32 also requires notice within 30 days and annual filing by August 31, and requires updates to name, legal status, and business location within 30 days. The current rule was amended July 24, 2026. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0202_section/016a_006_0202_k/)\n\n### Current statutory ambiguity\n\nThe current K.S.A. 16a-6-201(2) sentence addressing supervised financial organizations, supervised-loan licensees, consumer sales and leases, assignments, attorneys, and collection agencies is grammatically difficult. The 2024 session law confirms that the legislature deleted a former sentence concerning fees for attorneys or collection agencies receiving accounts for collection and inserted new language, but no controlling published decision or formal OSBC interpretation located in this pass resolves the resulting edge cases. [Kansas Secretary of State+2](https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html)\n\nAccordingly:\n\n- A debt buyer or assignee collecting consumer-credit obligations may be a CCF.\n- A supervised-lender licensee may be outside parts of the CCF regime, subject to the actual statutory conditions.\n- The exact CCF treatment of a pure contingency agency or attorney receiving accounts—but taking no assignment—remains unresolved on the current text reviewed.\n- The statute should not be “corrected” by assumption.\n\n## A7. Public application and verification routes\n\nOSBC’s public applications page directs supervised-lender applications through NMLS and CCF filings through OSBC Online. The page describes CCF activity to include extending credit, purchasing retail installment contracts or loans, acquiring leases, and acquiring servicing rights. It identifies an annual August 31 cycle and states that 2026 notices were issued July 30, 2026. Those operational descriptions support procedure but do not replace the statute’s coverage language. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/)\n\nOSBC’s online-help page explains public searches by name, license number, license type, status, and other identifiers. CCF records are searched through OSBC Online; nonbank financial-company records can be searched through NMLS Consumer Access. No named provider was searched in this pass. [Kansas Bank Commissioner+1](https://osbckansas.gov/online-services-help/)\n\nOSBC also publishes a 23-page “Approved Consumer Credit Filers” roster dated July 28, 2026. It contains entries with both NOT and SL designations. The roster is dated operational evidence only. A listed entry does not prove present authorization on a later date, coverage of every activity, account ownership, compliance, or authority of a related entity. [Kansas Bank Commissioner](https://www.osbckansas.gov/lookup/Active_Notifications.pdf)\n\n## A8. Government fees and financial responsibility\n\nThe supervised-lender fee schedule consistently displayed a $600 company application or renewal charge and a $100 branch charge. The CCF schedule consistently displayed:\n\n- $30 per location.\n- $15 per $100,000—or fraction thereof—of average unpaid balance.\n- $10 per $100,000—or fraction thereof—for specified assignments to nonfilers.\n\nA material source-version conflict exists. The parsed PDF metadata/text described the schedule as revised August 2026 and reported $500 late or reinstatement figures, while the rendered pages displayed a footer of “Rev. 10/2025” and showed up to $750 or $750 figures. The exact current late and reinstatement amount is therefore **held**. No current amount should be selected from the conflicting render and parse without an authoritative corrected schedule. [Kansas Bank Commissioner+2](https://www.osbckansas.gov/cml/cml_fee_summary.pdf)\n\nCurrent K.A.R. 75-6-31 requires a supervised-lender surety bond of $100,000 for the first licensed place plus $25,000 for each additional licensed place, ordinarily capped at $300,000, with authority in special circumstances to require up to $1 million. K.A.R. 75-6-35 requires positive net worth under its stated exclusions and an annual CPA-reviewed financial statement, subject to the rule’s exception authority. These entry thresholds are identified here only to explain market access. Bond claims, underwriting, cancellation, collateral, and security-specific remedies are deferred to a separate collector-security pass. [Kansas Bank Commissioner+2](https://osbckansas.gov/legal/uccc_2026.pdf)\n\nNo separate Kansas qualifying-individual examination, resident-manager mandate, or responsible-person credential was established from the public statutes, rules, and operational pages reviewed. The current complete NMLS state checklist was not extracted, so background, control-person, fingerprint, branch, or qualifying-person requirements not visible in these sources remain held.\n\n# B. Model-by-license, exemption, and nexus matrix\n\n| Model or activity | Kansas entry result | Key conditions and unresolved facts | Federal gateway |\n| --- | --- | --- | --- |\n| **Original creditor collecting its own ordinary consumer debt in its own name** | No separate general collection-agency license established. Original creditor may need supervised-lender licensure or CCF filing based on the underlying consumer-credit transaction. | Transaction purpose, APR, amount, Kansas nexus, creditor status, and exemptions control. KCPA applies to consumer transactions. | Ordinarily outside FDCPA creditor definition when collecting in its own name. |\n| **Original creditor using a different name suggesting an independent collector** | No distinct Kansas collection license arises merely from the name, but KCPA false-status and affiliation prohibitions can apply. | Actual presentation, ownership disclosure, and consumer understanding matter. | FDCPA definition expressly can treat a creditor as a debt collector when it uses another name suggesting a third party. |\n| **Third-party contingency collection agency with no assignment** | No general OSBC collection-agency license established. KCPA can govern collection conduct. CCF status remains textually uncertain under current §16a-6-201(2). | Whether the agency takes assignment, receives servicing rights, collects UCCC accounts, or merely acts as agent must be established. | Usually a debt collector if regularly collecting covered consumer debts owed another. |\n| **Debt buyer collecting purchased supervised loans** | Supervised-lender license required absent exemption; prompt-application three-month bridge may apply to a new assignee. | APR, consumer purpose, transaction amount, assignment date, prompt application, and denial status matter. | *Henson* removes only the “owed another” route; principal-purpose remains a separate issue. |\n| **Debt buyer collecting purchased non-supervised consumer-credit accounts** | CCF filing likely implicated where the buyer is an assignee collecting or enforcing. Exact exemptions and current §6-201 wording must be applied. | Nature of credit transaction, assignment, filing status, and statutory ambiguity remain material. | Federal status remains definition-specific. |\n| **Passive debt owner using a servicer** | Outsourcing does not automatically avoid supervised-lender licensure because §16a-2-301 reaches indirect collection and servicing contracts. | Owner, servicer, servicing-right assignment, authority, and debt type must be documented. | Both owner and servicer require separate federal analysis. |\n| **Servicer acquiring only servicing rights** | “Assignment” includes servicing-right transfers; supervised-loan and CCF consequences depend on actual debt and activities. | Contract, authority, default status, and payment ownership are essential. | Federal “not in default” servicing exclusions may matter, but are not state exemptions. |\n| **Attorney receiving contracts forwarded for collection** | Narrow supervised-lender exemption is textually available. | Attorney must actually be forwarded contracts for collection; exemption does not automatically cover debt purchase, affiliates, or nonlawyer companies. | Attorneys regularly collecting consumer debts through litigation can be FDCPA debt collectors under *Heintz*. |\n| **Law firm or attorney buying a debt portfolio** | No automatic supervised-lender exemption established. | Ownership, assignment, APR, entity form, and attorney role control. | *Heintz* and ordinary FDCPA definitions apply; attorney status is not a blanket federal exemption. |\n| **Affiliate collecting another affiliate’s debts** | No blanket Kansas affiliate exemption located. | Separate entity, assignment, service agreement, licensed principal, and conduct matter. | FDCPA affiliate exclusion is narrow and condition-specific. |\n| **Creditor employee collecting for employer** | No separate employee collection license established; employer’s UCCC status controls. | Employee must actually act for creditor; individual misconduct remains possible. | FDCPA generally excludes creditor employees collecting in creditor’s name. |\n| **Nonprofit collector** | No Kansas collection-licensing exemption established merely from nonprofit status. | Actual transaction and assignment remain controlling. | Federal exclusion is limited to bona fide nonprofit credit counseling activity—not all nonprofit collections. |\n| **Remote or digital-only agency serving Kansas consumers** | No physical Kansas office is required to create UCCC nexus. Licensing or filing follows the underlying activity. | Solicitation, agreement receipt, consumer residence, licensed place, and remote-work guidance matter. | Federal rules apply based on federal status, not physical location. |\n| **Repossession or security-interest enforcement only** | Full Kansas repossession and secured-sector analysis is deferred. UCCC default and cure provisions may apply; KCPA has a compliant-collateral-disposition boundary. | Debt, collateral, notice, breach of peace, and judicial versus nonjudicial activity remain open. | *Obduskey* gives a limited FDCPA result for actors doing no more than nonjudicial foreclosure. |\n| **Government debt or government-credit transaction** | UCCC excludes the government and governmental-agency credit transactions described by statute. | Other collection statutes and sovereign rules remain open. | Federal coverage is separately defined. |\n| **Regulated utility/common-carrier tariff transaction** | UCCC exclusion may apply where charges are regulated under the stated conditions. | Regulatory status and exact charge matter. | KCPA and sector statutes require separate review. |\n| **Medical or hospital debt** | No blanket exclusion. “Services” includes hospital accommodations, and a qualifying consumer-credit arrangement can fall within UCCC/KCPA. | Provider credit terms, finance charge, installments, assignment, and patient status matter. | FDCPA applies only to covered consumer debt and covered collectors. |\n| **Corporate commercial debt** | Ordinarily outside UCCC consumer-credit and FDCPA consumer-debt definitions. | KCPA generally does not make a corporation a “consumer”; other contract and business laws remain. | FDCPA normally does not apply. |\n| **Sole-proprietor or family-partnership business debt** | May fall outside UCCC/FDCPA personal-purpose definitions but can fall within KCPA’s broader consumer definition for business or agricultural purposes. | Entity form and purpose are critical. | FDCPA still requires personal, family, or household purpose. |\n\nSupport for this matrix comes from the UCCC scope, definitions, supervised-lender and CCF provisions, KCPA definitions, Kansas cases, and federal definitions. [Kansas Legislature+6](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/)\n\n# C. State-specific collection conduct\n\n## C1. KCPA applies to independent collection agencies\n\nIn *State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc.*, the Kansas Supreme Court held that an independent collection agency can be a KCPA “supplier” when:\n\n1. The debt arose from a consumer transaction.\n2. The original parties were a supplier and consumer.\n3. The complained-of collection practice was deceptive or unconscionable.\n\nThe case arose on an interlocutory appeal from denial of a motion to dismiss. It established KCPA coverage; it did not adjudicate the truth of the alleged conduct or enter a final penalty against the agency. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html)\n\nThat holding is material because Kansas did not enact a separate comprehensive collection-conduct code comparable to the FDCPA. KCPA therefore supplies broad state-law standards applicable to both original suppliers and independent collection agencies when the underlying transaction and conduct satisfy the Act.\n\n## C2. Deceptive collection conduct\n\nK.S.A. 50-626 prohibits deceptive acts and practices in consumer transactions. Material collection applications include:\n\n- False representations that the collector has sponsorship, approval, status, affiliation, or connection it does not have.\n- Willful exaggeration, falsehood, innuendo, or ambiguity as to a material fact.\n- Willful failure to state a material fact or willful concealment, suppression, or omission.\n- False statements about rights, remedies, or obligations.\n\nThe statute can be violated even if no consumer was actually misled. That violation rule does not, by itself, establish private standing, damages, or a private penalty; those remedy questions remain for the separate remedies component. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/)\n\nCollection examples that can implicate these provisions include falsely claiming to be:\n\n- A law firm.\n- A court officer.\n- A government agency.\n- The original creditor.\n- A licensed Kansas lender.\n- An independent agency when the “agency” is merely an internal creditor department.\n\nThe same provisions can reach false statements that a lawsuit, garnishment, arrest, repossession, license suspension, or credit reporting action is legally available or imminent when the actor lacks the present right or intent to take it. Actual content, materiality, intent where specified, and legal authority must be proved.\n\n## C3. Unconscionable collection conduct\n\nK.S.A. 50-627 prohibits unconscionable acts or practices before, during, or after a consumer transaction. Unconscionability is a question for the court. Statutory considerations include known consumer inability to receive a material benefit, gross disparity, one-sided terms, exploitation of consumer vulnerability, and misleading statements of opinion on which the consumer is likely to rely. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/)\n\nA harsh collection demand is not automatically unconscionable. The relevant context includes the debt’s validity, the actor’s knowledge, consumer vulnerability, the amount demanded, the legal rights actually available, and whether pressure or terms are materially one-sided.\n\n## C4. UCCC good faith and applicable-law duties\n\nK.S.A. 16a-2-310 applies to persons required to hold supervised-lender authority or to file as Consumer Credit Filers. It prohibits lack of good faith or fraud in consumer-credit transactions, aiding unlicensed activity, and failure to comply with applicable UCCC provisions and other state or federal law. Some clauses are origination-oriented and should not be converted into a universal collection code, but the provision supplies a regulatory conduct basis for covered lenders and filers. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0310_section/016a_002_0310_k/)\n\n## C5. Communication times, places, frequency, workplace, third parties, and cease requests\n\nNo current Kansas collection-specific statute or regulation was located in the sources reviewed that independently establishes:\n\n- An 8 a.m.–9 p.m. contact window.\n- A numerical call-frequency presumption.\n- A blanket workplace-contact prohibition.\n- A represented-consumer contact ban.\n- A third-party-location-only rule.\n- A written cease-communication command.\n- A debt-collector electronic opt-out mechanism.\n- A social-media direct-message procedure.\n\nFocused searches of the current official UCCC compilation, OSBC administrative interpretations, and OSBC guidance found no pertinent provisions using those concepts. This is a limited negative search and cannot establish that another Kansas criminal, privacy, sector, professional, or local rule never applies. [Kansas Bank Commissioner+5](https://osbckansas.gov/legal/uccc_2026.pdf)\n\nFor an actor covered by the federal FDCPA and Regulation F, federal communication rules can independently govern call times, known inconvenience, workplace contacts, represented consumers, third-party communications, cease requests, electronic communications, and frequency presumptions. Those federal rules should not be recaptioned as Kansas enactments. [eCFR+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2)\n\n## C6. General Kansas telecommunication harassment\n\nK.S.A. 21-6206 is a general criminal statute rather than a collection-specific provision. It reaches, among other things:\n\n- Telephone calls or communications made with intent to abuse, threaten, or harass.\n- Repeated telephone ringing with intent to harass.\n- Certain calls or recorded communications without proper identification.\n\nA qualifying violation is a class A misdemeanor. The criminal statute does not itself create a collection license, a debt-validation procedure, or an automatic private damages remedy. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/)\n\n## C7. Collection fees and costs\n\nFor a covered UCCC consumer-credit transaction, K.S.A. 16a-2-507 permits a consumer-credit agreement to provide for reasonable outside collection costs, including court, attorney, and collection-agency costs, subject to important conditions:\n\n- The costs must be incurred outside the creditor’s salaried staff.\n- The creditor may not recover both attorney fees and collection-agency fees.\n- The amount may not exceed 15% of the unpaid debt after default.\n- A contractual provision violating the section is unenforceable.\n- Separate costs of realizing on a security interest are treated differently. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/)\n\nThis is a ceiling and permission structure, not a flat automatic 15% surcharge. The creditor still needs:\n\n- Contractual authorization.\n- Actual outside collection costs.\n- Reasonableness.\n- A covered UCCC transaction.\n- A default.\n- Compliance with the no-double-fee rule.\n\nFor credit instruments outside that UCCC provision, K.S.A. 58-2312 generally permits an agreement to provide for reasonable collection costs while similarly excluding salaried-employee expenses and barring both attorney and collection-agency fees. It does not state the UCCC’s 15% ceiling. The more specific UCCC rule controls where applicable. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/)\n\n## C8. Payment credit and processing\n\nK.S.A. 16a-2-104 generally requires a creditor to credit payment on receipt unless delayed crediting causes no finance or other charge. When the payment does not conform to reasonable written payment requirements but the creditor nevertheless accepts it, credit ordinarily must occur within five days. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0104_section/016a_002_0104_k/)\n\nThis rule does not determine:\n\n- Whether the collector had authority to receive payment.\n- Whether a payment was properly allocated among multiple accounts.\n- Whether a disputed amount was valid.\n- Whether a post-dated payment was authorized.\n- Whether a processor fee was lawful.\n\nThose account-level questions remain later work.\n\n## C9. Default and cure\n\nUnder K.S.A. 16a-5-109, a consumer is in default where a required payment is not made or where the prospect of payment, performance, or realization on collateral is significantly impaired. The creditor bears the burden of establishing significant impairment. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/)\n\nFor specified installment-payment defaults, K.S.A. 16a-5-111 permits a cure notice after the default has continued for ten days. The written notice must include the creditor’s name, address, and telephone number; a brief description of the transaction; the consumer’s cure right; the amount and date required to cure; and the possible assessment of collection costs. Acceleration or repossession ordinarily cannot proceed until 20 days after the notice in the covered installment-default situation. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/)\n\nThe Kansas cure notice is **not** the federal FDCPA validation notice. It addresses a creditor’s right to accelerate or repossess under the UCCC, not the federal collector’s obligation to provide debt-validation information.\n\n## C10. Disputes, cease requests, bankruptcy, death, and credit reporting\n\nThis pass did not establish a comprehensive Kansas state analogue to federal FDCPA dispute validation, cease communication, decedent-contact, or credit-reporting procedures. The following boundaries apply:\n\n- A false statement about dispute rights, legal remedies, credit reporting, or account status can be actionable under KCPA.\n- A covered federal debt collector may have FDCPA and Regulation F duties.\n- Bankruptcy communications can implicate the automatic stay or discharge injunction, but bankruptcy analysis is deferred.\n- FCRA furnishing and dispute duties are deferred to the later credit-reporting pass.\n- Death, estate, probate, and authorized-representative contact rules are deferred.\n- A CCF filing, supervised-lender license, or roster entry does not validate a debt, establish ownership, or prove an account balance.\n\n## C11. CSO and collection-agency separation\n\nK.S.A. 50-1121 prohibits a Kansas credit-services-organization licensee from operating as a collection agency and from purchasing consumer debt. A CSO license therefore is not a collection-agency license, debt-buyer authorization, or supervised-lender license. The precise treatment of affiliates and shared-control structures requires entity-specific analysis. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/)\n\n# D. State-conduct matrix\n\n| Conduct or event | Kansas state rule | Covered actor or transaction | Original-creditor coverage | Third-party/debt-buyer coverage | Key exception or hold |\n| --- | --- | --- | --- | --- | --- |\n| False collector identity or affiliation | K.S.A. 50-626 | KCPA supplier in consumer transaction | Yes | Yes, under *Midwest* conditions | Actual representation and transaction must be proved |\n| False amount, ownership, rights, remedies, or obligations | K.S.A. 50-626 | KCPA consumer transaction | Yes | Yes | Detailed proof and account ownership later |\n| Willful material omission or ambiguity | K.S.A. 50-626 | KCPA supplier | Yes | Yes | Willfulness and materiality where text requires |\n| Unconscionable pressure or exploitation | K.S.A. 50-627 | Consumer transaction; court determines unconscionability | Yes | Yes | Not every aggressive demand is unconscionable |\n| Fraud or lack of good faith | K.S.A. 16a-2-310 | Supervised lender or CCF | Yes, if covered | Yes, if licensed/filed actor | Provision is not a universal non-UCCC collection code |\n| Contact before 8 a.m. or after 9 p.m. | No independent Kansas collector-specific rule located | General KCPA/harassment may still apply | Conditional | Conditional | Federal Reg F supplies the time rule only for federal debt collectors |\n| Known inconvenient time or place | No detailed Kansas collector-specific rule located | KCPA and general law | Conditional | Conditional | Federal rule is separate |\n| Workplace contact | No detailed Kansas collector-specific rule located | KCPA and general law | Conditional | Conditional | Federal workplace restriction may apply |\n| Contact with represented consumer | No detailed Kansas collector-specific rule located | KCPA and professional rules | Conditional | Conditional | Federal FDCPA rule may apply |\n| Third-party disclosure | No comprehensive Kansas collection-specific rule located | KCPA, privacy, tort, and sector law may apply | Conditional | Conditional | Federal FDCPA rule may apply |\n| Call frequency | No Kansas numerical presumption located | KCPA and K.S.A. 21-6206 | Conditional | Conditional | Federal seven-in-seven presumption is not Kansas law |\n| Threatening or harassing calls/texts | K.S.A. 21-6206; KCPA | General actor; consumer transaction for KCPA | Yes | Yes | Criminal intent must be proved under §21-6206 |\n| Written cease request | No Kansas collector-specific cessation code located | Other state law may apply | Held | Held | Federal FDCPA rule may apply |\n| Electronic-message opt-out | No Kansas collector-specific rule located | Other privacy and contract law may apply | Held | Held | Regulation F procedures are federal-only |\n| Unauthorized collection fee | K.S.A. 16a-2-507 or K.S.A. 58-2312; KCPA | Depends on transaction and contract | Yes | Yes | Contract, actual cost, reasonableness, and ceiling matter |\n| Both attorney and agency fees | Prohibited under cited collection-cost statutes | Covered agreement | Yes | Yes | Security-interest realization costs treated separately |\n| Salaried employee “collection cost” | Excluded | Creditor’s internal employees | Yes | N/A unless collector seeks pass-through | Cannot be transformed into outside cost |\n| Late payment crediting | K.S.A. 16a-2-104 | Covered creditor | Yes | Assignee/servicer depending status | Payment-receipt facts required |\n| Default declaration | K.S.A. 16a-5-109 | Covered consumer credit | Yes | Assignee enforcing rights | Significant impairment burden on creditor |\n| Cure notice before acceleration or repossession | K.S.A. 16a-5-111 | Covered installment default | Yes | Assignee enforcing covered contract | Full repossession and litigation later |\n| False threat of suit or garnishment | KCPA false rights/remedies | Consumer transaction | Yes | Yes | Actual legal right and intent matter |\n| False credit-reporting threat | KCPA may apply | Consumer transaction | Yes | Yes | FCRA and actual furnishing procedure later |\n| Contact after bankruptcy | Bankruptcy law plus KCPA where deceptive | Creditor or collector | Conditional | Conditional | Full bankruptcy analysis excluded |\n| Contact after death | Probate, authority, KCPA, and federal rules | Creditor or collector | Conditional | Conditional | Detailed decedent-contact pass later |\n| Repossession/security enforcement | UCCC default/cure; KCPA collateral boundary | Secured transaction | Yes | Assignee/security enforcer | Full sector and repossession analysis later |\n\nThe Kansas conduct authorities supporting this matrix are K.S.A. 50-626, 50-627, 16a-2-310, 16a-2-104, 16a-2-507, 16a-5-109, 16a-5-111, 58-2312, and 21-6206. [Kansas Legislature+8](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/)\n\n# E. Federal gateway and Kansas differences\n\n## E1. FDCPA scope\n\nFederal “debt” generally means an obligation arising from a transaction primarily for personal, family, or household purposes. A debt collector includes a person whose principal purpose is collection of debts or who regularly collects debts owed or due another. The definition separately includes a creditor using a name suggesting a third party and gives limited treatment to a person whose principal business is enforcement of security interests. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692a/)\n\nFederal exclusions include, subject to their exact terms:\n\n- Certain creditor employees collecting in the creditor’s name.\n- Certain affiliates collecting only for related entities.\n- Government officers.\n- Process servers performing service.\n- Bona fide nonprofit consumer-credit counseling activity.\n- Certain fiduciary, escrow, and servicing activity.\n- Certain assignments not in default when obtained.\n\nThese exclusions do not create Kansas supervised-lender or CCF exemptions.\n\n## E2. Debt buyers\n\nIn *Henson v. Santander Consumer USA Inc.*, the Supreme Court held that a company collecting debt it had purchased for itself was not collecting a debt “owed or due another” under that definitional prong. The Court expressly did not decide the separate principal-purpose definition. Thus, “the debt buyer owns the debt” is not a complete federal FDCPA analysis. It is also irrelevant to whether Kansas supervised-lender or CCF requirements apply. [Supreme Court+3](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf)\n\n## E3. Attorneys and litigation\n\nIn *Heintz v. Jenkins*, the Supreme Court held that the FDCPA applies to attorneys who regularly engage in consumer-debt collection activity, including litigation. Attorney status does not itself provide a federal exemption. Kansas’s narrow supervised-lender exemption for an attorney forwarded contracts for collection remains a separate state rule. [GovInfo+2](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?ref=hoaweekly.com)\n\n## E4. Security-interest enforcement\n\nIn *Obduskey v. McCarthy & Holthus LLP*, the Supreme Court held that a business engaged in no more than nonjudicial foreclosure is generally subject only to the limited FDCPA treatment for security-interest enforcement. The Court’s result does not immunize additional debt-collection activity, decide Kansas UCCC default or cure law, or govern judicial collection independent of its facts. [Supreme Court+3](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf)\n\n## E5. Regulation F is conditional federal law\n\nFor an FDCPA-covered debt collector, Regulation F governs material communication subjects including:\n\n- Communication at inconvenient times or places.\n- The presumptively inconvenient 8 a.m.–9 p.m. window.\n- Workplace contacts where the collector knows the employer prohibits them.\n- Communications with represented consumers.\n- Third-party communications.\n- Cease-communication requests.\n- Electronic communication procedures.\n- Frequency presumptions, including the seven-calls-in-seven-days framework.\n\nThese are not independently enacted Kansas rules. An original creditor outside the federal definition can still be liable under KCPA or another Kansas law, but not because Regulation F was converted into state law. [eCFR+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2)\n\n## E6. State-law preservation\n\nThe FDCPA does not annul, alter, or affect state law except to the extent of inconsistency, and greater state protection is not inconsistent. Kansas KCPA and UCCC duties can therefore coexist with federal law. [U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692n/)\n\n# F. Documentation, validation, and reporting boundaries preserved for later passes\n\n| Item | What this pass establishes | What remains open |\n| --- | --- | --- |\n| CCF filing | Regulatory entry evidence for a covered filer | Debt ownership, account balance, chain of title, and account admissibility |\n| Supervised-lender license | Market-access evidence for covered supervised-loan activity | Validity of a particular account or consumer liability |\n| Public roster | Dated evidence of listed status | Present status, scope, affiliate coverage, account ownership, compliance |\n| Assignment | UCCC definition can include servicing rights | Complete bill of sale, schedules, warranties, account-level inclusion |\n| Agency placement | Does not necessarily make agency the assignee | Actual authority, litigation standing, power of attorney, remittance terms |\n| Kansas cure notice | Default-and-acceleration notice under UCCC | Federal FDCPA validation notice and dispute process |\n| Federal validation | Later required federal pass | Full §1692g and Regulation F validation-information analysis |\n| Credit reporting | KCPA can prohibit false reporting threats | FCRA furnishing, dispute, deletion, and investigation procedures |\n| Litigation proof | AG opinion distinguishes buyer/assignee from mere agency placement | Real-party-in-interest documents, authentication, standing, hearsay |\n| Limitations and revival | Not decided here | Debt-type periods, accrual, payment acknowledgment, revival, choice of law |\n\n# G. Material opinions and interpretations\n\n## G1. *State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc.*\n\n**Authority:** Kansas Supreme Court, 229 Kan. 322 (1981).\n**Posture:** Interlocutory appeal from denial of a motion to dismiss a government KCPA action.\n**Holding relevant here:** An independent collection agency can be a KCPA supplier when the debt arose from a consumer transaction between a supplier and consumer and the alleged collection activity was deceptive or unconscionable.\n**Limit:** The court did not enter final liability or determine the truth of the alleged practices. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html)\n\n## G2. *Independent Financial, Inc. v. Wanna*\n\n**Authority:** Published Kansas Court of Appeals decision, 2008.\n**Posture:** Summary judgment.\n**Holding relevant here:** An assignee of a supervised consumer loan that neither held a supervised-lender license nor made the statutory application lacked authority to collect or enforce the loan on the facts before the court.\n**Limits:** The case involved the historical statute and mortgage-related facts. Current §16a-2-301 retains the prompt-application and conditional three-month architecture, but current mortgage and federal treatment should not be inferred wholesale from the older case. [Justia Law+1](https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html)\n\n## G3. Kansas Attorney General Opinion 2012-11\n\nThe opinion concluded, in substance, that:\n\n- A true sale or assignment can make the purchaser the assignee and real party in interest.\n- Merely placing an account with a collection agency does not make the agency the assignee or entitle it to sue in its own name.\n- An assignee collecting a supervised consumer debt requires supervised-lender authority.\n\nThe opinion is persuasive executive-branch guidance, not binding judicial precedent. Relevant pages were read from the rendered PDF; a later direct open of the same official URL returned HTTP 502, which is preserved as an access limitation rather than treated as withdrawal. [Washburn Law KSA Group+2](https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf)\n\n## G4. *Henson*, *Heintz*, and *Obduskey*\n\nThese federal Supreme Court decisions supply narrow definitional boundaries:\n\n- *Henson*: ownership of purchased debt defeats only the “owed another” route; principal-purpose was not decided.\n- *Heintz*: attorneys regularly collecting through litigation can be debt collectors.\n- *Obduskey*: an actor doing no more than nonjudicial foreclosure receives limited FDCPA treatment.\n\nNone decides Kansas supervised-lender licensure, CCF filing, KCPA liability, or the current malformed §16a-6-201 language. [Supreme Court+2](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf)\n\n## G5. Formal orders and current interpretations\n\nA focused search of the current OSBC administrative-interpretation and guidance compilations did not locate:\n\n- A formal interpretation resolving current §16a-6-201(2) for pure contingency agencies.\n- A current order declaring all debt buyers to be supervised lenders.\n- A Kansas-specific collector call-frequency or time-of-day rule.\n- A formal interpretation converting Regulation F into state law.\n- A current order defining when passive ownership plus servicing becomes CCF activity.\n\nThis limited negative search is not proof no consent order, unpublished examination position, trial-court decision, or differently indexed document exists. [Kansas Bank Commissioner+3](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf)\n\n# H. Bounded workflows and examples\n\nAll examples are hypothetical. They do not establish an actual license, debt, collector, account balance, valid claim, consumer liability, or private remedy.\n\n## Example H1 — Original creditor collecting in its own name\n\n**Facts**\n\n- Kansas resident used a consumer installment loan for household purposes.\n- Original lender owns the debt.\n- Lender’s employees collect under the lender’s licensed name.\n- Loan APR is 10%.\n\n**Classification**\n\nPlain text\n```\nGeneral collection-agency license                   Not established\nSupervised-loan threshold (>12% APR)                 Not met on stated APR\nCCF analysis                                         Potentially applicable\nKCPA supplier status                                 Potentially applicable\nFederal FDCPA debt-collector status                  Generally not, on stated own-name facts\n```\n\n**Missing facts**\n\n- Amount financed and adjusted threshold.\n- Whether lender is a supervised financial organization.\n- Current CCF filing or exemption.\n- Exact collection representations.\n\nThe absence of supervised-loan status does not eliminate CCF or KCPA obligations.\n\n## Example H2 — Original creditor uses a fake outside agency name\n\n**Facts**\n\n- Original creditor owns the debt.\n- Collection letters use “National Recovery Bureau.”\n- No separate entity exists.\n- Letter suggests an independent agency has been retained.\n\n**State result**\n\nThe name can implicate KCPA prohibitions on false status, affiliation, and material ambiguity.\n\n**Federal result**\n\nThe creditor can fall within the FDCPA definition where it uses a name other than its own that would indicate a third person is collecting the debt.\n\n**Held**\n\n- Whether the name is a registered DBA does not by itself decide how a reasonable consumer would understand the letter.\n- No private remedy is calculated.\n\n## Example H3 — Debt buyer acquires a $5,000, 24% consumer loan\n\n**Facts**\n\n- Kansas household-purpose loan.\n- Outstanding principal: $5,000.\n- APR: 24%.\n- Buyer acquires the right to payment after default.\n- Buyer is not an exempt supervised financial organization.\n- Buyer promptly applies for a supervised-lender license.\n- Application has not been denied.\n\n**Classification**\n\nPlain text\n```\nAPR                                         24%\nSupervised-loan threshold                   >12%\nSupervised loan                             Yes, subject to all other definitions\nAssignee licensing trigger                  Yes\nTemporary collection/enforcement bridge     Up to 3 months while application not denied\n```\n\nThe three-month bridge does not establish that the application is complete, will be approved, or authorizes collection after the period expires.\n\nFederal status remains separate: *Henson* does not resolve the principal-purpose definition.\n\n## Example H4 — Passive portfolio owner hires a servicer\n\n**Facts**\n\n- Owner buys supervised loans.\n- Owner has no consumer-facing staff.\n- Independent servicer receives payments and sends collection letters.\n- Owner claims it is “passive.”\n\n**Kansas result**\n\nK.S.A. 16a-2-301 expressly reaches an assignee that directly **or indirectly**, including through servicing contracts, collects or enforces supervised loans. Passive ownership plus outsourced servicing is therefore not an automatic licensing exemption.\n\n**Still required**\n\n- Owner’s and servicer’s separate legal identities.\n- Assignment and servicing documents.\n- Debt APR and consumer purpose.\n- License and filing status of each entity.\n- Authority to receive payments.\n\n## Example H5 — Consumer Credit Filer fee arithmetic\n\n**Assumptions**\n\n- Entity is legally required to file as a CCF.\n- It operates from two reportable locations.\n- Average unpaid balance is $250,000.\n- No other assignment-based fee applies.\n- Stable displayed fee schedule controls.\n\n**Calculation**\n\nPlain text\n```\nLocation charge:\n2 locations × $30                         = $60\n\nAverage-unpaid-balance units:\nceil($250,000 ÷ $100,000)                 = 3 units\n\nBalance charge:\n3 units × $15                             = $45\n\nIllustrative total:\n$60 + $45                                 = $105\n```\n\n**Result:** **$105**, under the stated assumptions.\n\nThis arithmetic does not determine whether the actor must file, whether a remote home counts as a location, or whether another fee category applies. Exact late or reinstatement amounts remain held because the official PDF parse and rendered pages conflict. [Kansas Bank Commissioner+2](https://www.osbckansas.gov/cml/cml_fee_summary.pdf)\n\n## Example H6 — Outside collection-cost ceiling\n\n**Facts**\n\n- Covered UCCC consumer-credit agreement expressly authorizes reasonable outside collection costs.\n- Unpaid debt after default: $8,000.\n- Actual reasonable outside agency invoice: $900.\n- No attorney fee is also sought.\n- No salaried employee cost is included.\n\n**Calculation**\n\nPlain text\n```\nStatutory percentage ceiling:\n$8,000 × 15%                              = $1,200\n\nActual reasonable outside cost             $900\n\nPotential collectible amount:\nmin($1,200, $900)                          = $900\n```\n\n**Result:** The maximum supported by the stated facts is **$900**, not an automatic $1,200.\n\nIf the actual outside cost were $1,500:\n\nPlain text\n```\nmin($1,200, $1,500)                        = $1,200\n```\n\nContract authorization, reasonableness, default, and the no-double-fee rule remain necessary. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/)\n\n## Example H7 — Remote third-party agency contacts consumer at work\n\n**Facts**\n\n- Out-of-state contingency agency collects a Kansas household debt owed another.\n- Agency calls the consumer’s workplace at 7:30 a.m.\n- Employer prohibits personal calls.\n- Agency knows both facts.\n\n**Kansas result**\n\nNo collector-specific Kansas 8 a.m. rule or workplace-contact rule was located. KCPA and the general harassment statute may apply depending on deception, unconscionability, intent, frequency, and actual conduct.\n\n**Federal result**\n\nIf the agency is an FDCPA debt collector, Regulation F’s time, known-inconvenience, and workplace provisions can apply.\n\n**Practical records**\n\n- Call logs and timestamps.\n- Time-zone basis.\n- Employer policy and notice.\n- Collector’s knowledge.\n- Debt purpose and ownership.\n- Consumer consent or revocation.\n\n## Example H8 — Attorney receives forwarded accounts versus buys debt\n\n### Branch A — Forwarded contracts\n\nA Kansas attorney is forwarded creditor contracts for collection and does not buy the receivables.\n\n- Narrow supervised-lender exemption may apply.\n- KCPA and federal FDCPA analysis remain separate.\n- Litigation conduct may be covered by *Heintz*.\n\n### Branch B — Attorney-owned company buys the accounts\n\nThe company purchases the right to payment and collects for itself.\n\n- The forwarded-contract exemption is not established.\n- Supervised-lender or CCF duties depend on the debt and assignment.\n- Attorney ownership alone is not an exemption.\n- *Henson* affects only one federal definitional prong.\n\n## Example H9 — False legal threat and added 20% fee\n\n**Facts**\n\n- Unpaid UCCC debt: $4,000.\n- Collector adds a flat 20% collection charge: $800.\n- Actual outside collection cost: $300.\n- Collector threatens immediate garnishment without a judgment.\n\n**Collection-cost calculation**\n\nPlain text\n```\nUCCC 15% ceiling:\n$4,000 × 15%                              = $600\n\nActual reasonable cost                     $300\n\nPotentially supportable amount:\nmin($600, $300)                            = $300\n```\n\nThe proposed $800 exceeds both the percentage ceiling and actual cost on the stated facts.\n\nThe garnishment threat can also implicate KCPA if the collector lacks the present legal right to garnish. This example does not calculate damages or penalties.\n\n## Example H10 — Medical debt versus corporate commercial debt\n\n### Medical debt\n\nA hospital permits a Kansas patient to pay personal medical charges in installments and later assigns the balance.\n\n- Hospital services are not categorically outside UCCC/KCPA.\n- Consumer-credit and assignment rules depend on finance charge, installment structure, amount, and purpose.\n- The assignee’s supervised-lender or CCF status must be evaluated.\n\n### Corporate invoice\n\nA corporation owes a vendor on a commercial invoice.\n\n- The corporation ordinarily is not a UCCC consumer or FDCPA consumer.\n- It ordinarily is not a KCPA “consumer” merely because a collection agency is involved.\n- General contract, fraud, harassment, and litigation rules can still apply, but are outside this pass.\n\n# I. Source register\n\n| Source ID | Title, issuer, and full literal URL | Exact material read or pinpoint | Version, status, access, and limits |\n| --- | --- | --- | --- |\n| **S_KS-P07-S001** | Kansas Revisor, UCCC scope and definitions: https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0202_section/016a_001_0202_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/ | Complete material K.S.A. 16a-1-201, 16a-1-202, and definitions in 16a-1-301 for assignment, consumer credit, creditor, lender, regular engagement, services, and supervised loan | **Fresh Oct. 26, 2026.** Current Revisor pages; selected UCCC provisions, not a complete code or amendment-history audit. [Kansas Legislature+8](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/) |\n| **S_KS-P07-S002** | Kansas Revisor, supervised-lender provisions: https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0303_section/016a_002_0303_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0310_section/016a_002_0310_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0311_section/016a_002_0311_k/ | Complete material licensing trigger, temporary assignee period, lifecycle, discipline, prohibited conduct, and exemptions | **Fresh Oct. 26, 2026.** Current statutory text. No named license or provider checked. [Kansas Legislature+5](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/) |\n| **S_KS-P07-S003** | Kansas Revisor, CCF and administrative provisions: https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0202_section/016a_006_0202_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0203_section/016a_006_0203_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0104_section/016a_006_0104_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0108_section/016a_006_0108_k/ | Current CCF coverage/exceptions, notice, annual fee, Administrator fee-setting, and threshold enforcement provisions | **Fresh.** Current §16a-6-201(2) grammatical ambiguity preserved; no judicial correction inferred. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/) |\n| **S_KS-P07-S004** | Kansas Secretary of State, 2024 Session Laws, ch. 6, H.B. 2247: https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html | Section 114 amendment to K.S.A. 16a-6-201, including deleted and inserted attorney/collection-agency language | **Fresh selected historical read.** Primary session law; used to trace language, not to invent a corrected codification. [Kansas Secretary of State+1](https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html) |\n| **S_KS-P07-S005** | Kansas OSBC, *2026 Kansas Uniform Consumer Credit Code*: https://osbckansas.gov/legal/uccc_2026.pdf | Supervised-lender and CCF statutory compilation; K.A.R. 75-6-31 and 75-6-32 begin PDF page 144, zero-based index 143, printed **UCCC Regulations—Page 4**; K.A.R. 75-6-35 appears PDF page 145, index 144, printed **UCCC Regulations—Page 5** | **Fresh selected parsed and visual review.** Official agency compilation; Revisor controls statutory text. Rule 75-6-31 and 75-6-32 amended July 24, 2026; 75-6-35 amended Oct. 17, 2025. Negative communication-term searches are bounded, not exhaustive proof. [Kansas Bank Commissioner+5](https://osbckansas.gov/legal/uccc_2026.pdf) |\n| **S_KS-P07-S006** | Kansas OSBC, Applications and Forms: https://osbckansas.gov/consumer-mortgage-lending/applications-forms/ | Public supervised-lender/NMLS and CCF/OSBC Online routes, 2026 renewal cycle description, operational CCF activity summary | **Fresh.** Procedure and agency description only; not a substitute for coverage text or proof of a named provider’s authorization. [Kansas Bank Commissioner](https://osbckansas.gov/consumer-mortgage-lending/applications-forms/) |\n| **S_KS-P07-S007** | Kansas OSBC, consumer complaint and jurisdiction page: https://osbckansas.gov/consumers/file-a-complaint/ | Collection-agency jurisdiction statement and debt-buyer warning | **Fresh.** Operational jurisdiction guidance. Does not address all local, sector, litigation, or federal obligations. [Kansas Bank Commissioner](https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com) |\n| **S_KS-P07-S008** | Kansas OSBC, online-services help: https://osbckansas.gov/online-services-help/ | Public lookup routes, search fields, statuses, license types, NMLS versus OSBC Online distinction | **Fresh.** No named-provider lookup performed. [Kansas Bank Commissioner+1](https://osbckansas.gov/online-services-help/) |\n| **S_KS-P07-S009** | Kansas OSBC, *Approved Consumer Credit Filers as of 7/28/2026*: https://www.osbckansas.gov/lookup/Active_Notifications.pdf | PDF page 1, zero-based index 0, header and roster structure; 23 total PDF pages; no separate printed page number visible | **Fresh selected read.** Dated roster only; not proof of current or activity-specific status. [Kansas Bank Commissioner](https://www.osbckansas.gov/lookup/Active_Notifications.pdf) |\n| **S_KS-P07-S010** | Kansas OSBC, Consumer and Mortgage Lending Fee Summary: https://www.osbckansas.gov/cml/cml_fee_summary.pdf | PDF page 1/index 0 and page 3/index 2; no separate printed page numbers visible | **Fresh with source conflict.** Parser identified Rev. 8/2026 and $500 late/reinstatement amounts; rendered pages displayed Rev. 10/2025 and $750 figures. Stable application, branch, and CCF amounts used; conflicting late/reinstatement amount held. [Kansas Bank Commissioner+2](https://www.osbckansas.gov/cml/cml_fee_summary.pdf) |\n| **S_KS-P07-S011** | Kansas OSBC, *2026 Guidance Documents*: https://osbckansas.gov/legal/guidance_2026.pdf | Remote-work guidance: PDF page 9/index 8, printed Guidance page 1; page 10/index 9, printed page 2; page 11/index 10, printed page 3 | **Fresh selected read.** Guidance 2022-1, dated May 5, 2022 and updated March 5, 2025, included in the 2026 valid-guidance compilation. Not individualized approval. [Kansas Bank Commissioner+2](https://osbckansas.gov/legal/guidance_2026.pdf) |\n| **S_KS-P07-S012** | Kansas OSBC, *2026 Administrative Interpretations*: https://osbckansas.gov/legal/administrative_interpretations_2026.pdf | Outline and bounded searches for collection-agency, debt-collector, workplace, cease, inconvenient, and related terms | **Fresh bounded check.** No relevant interpretation located. Search silence is not proof no private or differently indexed authority exists. [Kansas Bank Commissioner+1](https://osbckansas.gov/legal/administrative_interpretations_2026.pdf) |\n| **S_KS-P07-S013** | Kansas Revisor, KCPA selected sections: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/ | Consumer, supplier, services, and consumer-transaction definitions; deceptive and unconscionable acts | **Fresh.** Current code. Full KCPA remedy and limitation analysis remains outside this pass. [Kansas Legislature+4](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/) |\n| **S_KS-P07-S014** | Kansas Revisor, UCCC collection-cost, payment, default, and cure provisions: https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0104_section/016a_002_0104_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/ https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/ | Payment credit, outside collection costs, default, and cure notice | **Fresh.** Current code; full litigation, repossession, acceleration, and remedies analysis deferred. [Kansas Legislature+3](https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/) |\n| **S_KS-P07-S015** | Kansas Revisor, general collection-cost statute: https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/ | Complete K.S.A. 58-2312 | **Fresh.** General contract collection-cost rule; more specific UCCC provision controls covered transactions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/) |\n| **S_KS-P07-S016** | Kansas Revisor, telecommunication harassment: https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/ | Complete material K.S.A. 21-6206 | **Fresh.** General criminal law, not collection-specific licensing or a private-remedy statute. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/) |\n| **S_KS-P07-S017** | Kansas Revisor, CSO prohibited conduct boundary: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/ | K.S.A. 50-1121 provisions prohibiting CSO collection-agency operation and consumer-debt purchase | **Fresh scoped read; alias to earlier P1 source family.** Does not accept or rerun broader CSO conclusions. [Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/) |\n| **S_KS-P07-S018** | *State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc.*, Kansas Supreme Court: https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html | Opinion discussion of KCPA supplier status and independent collection agencies | **Fresh selected read.** 1981 controlling Kansas Supreme Court decision; interlocutory motion-to-dismiss posture, not final merits. [Justia Law+1](https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html) |\n| **S_KS-P07-S019** | *Independent Financial, Inc. v. Wanna*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html | Assignee licensing and authority-to-enforce analysis | **Fresh selected read.** Published 2008 decision; historical statute and mortgage facts limit extrapolation. [Justia Law+1](https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html) |\n| **S_KS-P07-S020** | Kansas Attorney General Opinion 2012-11: https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf | PDF page 1/index 0; page 8/index 7; page 9/index 8 | **Freshly read through rendered/cached PDF pages.** Later direct open returned HTTP 502. Persuasive AG opinion, not binding judicial precedent. [Washburn Law KSA Group+2](https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf) |\n| **S_KS-P07-S021** | Federal FDCPA definitions and state-law preservation, OLRC: https://uscode.house.gov/us/usc/119-118/t15/s1692a/ https://uscode.house.gov/us/usc/119-118/t15/s1692n/ | 15 U.S.C. §§1692a and 1692n | **Fresh.** OLRC displayed current federal text through Public Law 119-120, Oct. 7, 2026. Used only for gateway and preservation. [U.S. Code+1](https://uscode.house.gov/us/usc/119-118/t15/s1692a/) |\n| **S_KS-P07-S022** | CFPB Regulation F, eCFR: https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.14 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.104 | Definitions, communications, harassment/frequency, and relation to state laws | **Fresh selected read.** eCFR current through Oct. 22, 2026. Conditional federal overlay only. [eCFR+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2) |\n| **S_KS-P07-S023** | *Henson v. Santander Consumer USA Inc.*, U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Syllabus PDF index 0; opinion page 1/PDF index 2; opinion page 3/index 4 | **Fresh selected read.** Unanimous 2017 decision; did not decide principal-purpose prong. [Supreme Court+3](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) |\n| **S_KS-P07-S024** | *Heintz v. Jenkins*, U.S. Supreme Court: https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf | PDF page 1/index 0, U.S. Reports page 291; PDF page 4/index 3, printed page 294 | **Fresh selected read.** Unanimous 1995 decision. [GovInfo+2](https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?ref=hoaweekly.com) |\n| **S_KS-P07-S025** | *Obduskey v. McCarthy & Holthus LLP*, U.S. Supreme Court: https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf | Opinion page 1/PDF index 3; opinion page 2/index 4 | **Fresh selected read.** Unanimous 2019 decision; nonjudicial-foreclosure holding is limited. [Supreme Court+3](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf) |\n\n# J. Claim register\n\n| Claim ID | Precise assertion | Sources and pinpoints | Conditions, limits, and confidence |\n| --- | --- | --- | --- |\n| **S_KS-P07-C001** | No general statewide OSBC collection-agency license was established for an ordinary agency collecting another creditor’s accounts. | S007; S001–S003 | **High bounded conclusion.** Local, sector, professional, and other-agency law remains open. |\n| **S_KS-P07-C002** | A collection agency purchasing consumer debt may become a debt buyer subject to supervised-lender or CCF requirements. | S007; S002–S003 | **High conditional rule.** Debt and assignment facts control. |\n| **S_KS-P07-C003** | UCCC remote nexus can arise from Kansas-resident solicitation or receipt of the consumer’s electronic or written agreement in Kansas. | S001, §16a-1-201 | **High.** |\n| **S_KS-P07-C004** | UCCC consumer-credit coverage generally requires an individual and primarily personal, family, or household purpose. | S001, §16a-1-301 | **High.** |\n| **S_KS-P07-C005** | Exact adjusted 2026 UCCC amount threshold was not verified and is held. | S001 | **High currentness limit.** |\n| **S_KS-P07-C006** | Assignment includes transfer of servicing rights. | S001, §16a-1-301 | **High.** |\n| **S_KS-P07-C007** | Creditor and lender definitions include assignees of the right to payment while limiting automatic carryover of certain pre-assignment duties. | S001 | **High.** |\n| **S_KS-P07-C008** | A supervised loan generally is a consumer loan with APR above 12%. | S001 | **High, subject to complete definition and exclusions.** |\n| **S_KS-P07-C009** | Taking assignments and directly or indirectly collecting or enforcing supervised loans, including through servicing contracts, requires supervised-lender authority absent exemption. | S002, §16a-2-301 | **High.** |\n| **S_KS-P07-C010** | A new supervised-loan assignee must promptly apply and may conditionally collect or enforce for three months while the application has not been denied. | S002, §16a-2-301 | **High.** Not actual-provider approval. |\n| **S_KS-P07-C011** | Outsourcing to a servicer does not automatically remove the supervised-loan owner from §16a-2-301. | S002 | **High textual conclusion.** |\n| **S_KS-P07-C012** | Supervised-lender license is calendar-year, ordinarily expires Dec. 31, and renewal is due Dec. 1. | S002, §16a-2-302 | **High.** |\n| **S_KS-P07-C013** | License is nontransferable and nonassignable; specified changes require ten-business-day notice. | S002, §16a-2-302 | **High.** |\n| **S_KS-P07-C014** | Kansas-directed electronic advertising must show licensed name and identifier and be retained 36 months. | S002, §16a-2-302 | **High for supervised lenders.** |\n| **S_KS-P07-C015** | Supervised-lender bond is $100,000 for first place plus $25,000 additional, ordinarily capped at $300,000, with special authority up to $1 million. | S005, K.A.R. 75-6-31 | **High rule-level claim.** Full security analysis deferred. |\n| **S_KS-P07-C016** | Positive net worth and annual CPA-reviewed financial statement requirements apply under K.A.R. 75-6-35, subject to stated exceptions. | S005 | **High rule-level claim.** |\n| **S_KS-P07-C017** | Attorney exemption is limited to an attorney forwarded contracts for collection. | S002, §16a-2-311 | **High.** No blanket firm or debt-buyer exemption. |\n| **S_KS-P07-C018** | CCF regime reaches creditors and certain assignees collecting or enforcing Kansas consumer credit. | S003, §16a-6-201 | **High at general level.** Current subsection (2) edge cases unresolved. |\n| **S_KS-P07-C019** | Statute uses notice and filing terminology, while OSBC operationally calls CCF a license. | S003; S006 | **High source-description distinction.** |\n| **S_KS-P07-C020** | CCF filing is due within 30 days after commencing and annually by Aug. 31, with rule-based amendments. | S003; S005, K.A.R. 75-6-32 | **High.** |\n| **S_KS-P07-C021** | Current §16a-6-201(2) has a material grammatical ambiguity concerning supervised-lender licensees, sales/leases, assignments, attorneys, and collection agencies. | S003; S004 | **High source observation; interpretation held.** |\n| **S_KS-P07-C022** | The 2024 session law changed former attorney/collection-agency language but does not supply a judicially interpreted cure for current ambiguity. | S004 | **High historical finding.** |\n| **S_KS-P07-C023** | Stable displayed fees include $600 supervised-lender company application/renewal, $100 branch, and specified CCF formulas. | S010 | **High for matching amounts.** |\n| **S_KS-P07-C024** | Exact current late/reinstatement fee is unresolved because the official PDF parse and rendered pages conflict. | S010 | **High source-conflict finding.** |\n| **S_KS-P07-C025** | OSBC Online and NMLS Consumer Access provide public status search routes; no named provider was checked. | S008 | **High.** |\n| **S_KS-P07-C026** | July 28, 2026 CCF roster is dated evidence only, not continuing authorization proof. | S009 | **High.** |\n| **S_KS-P07-C027** | Proper remote employee work need not create another licensed place under current OSBC guidance if stated conditions are met. | S011 | **High guidance-level claim; not statutory safe harbor.** |\n| **S_KS-P07-C028** | Original creditor collecting own debt in own name has no separate general collection-agency license on evidence reviewed, but underlying SL/CCF and KCPA duties remain. | C001–C003; S013 | **High conditional synthesis.** |\n| **S_KS-P07-C029** | Original creditor using a name suggesting an outside collector may implicate KCPA and the federal false-name definition. | S013; S021 | **High conditional rule.** |\n| **S_KS-P07-C030** | Independent third-party collection agencies can be KCPA suppliers when *Midwest*’s transaction and conduct conditions are met. | S018 | **High controlling holding.** |\n| **S_KS-P07-C031** | Pure contingency agency CCF status remains unresolved under current §16a-6-201(2). | S003–S004 | **Medium-high hold.** |\n| **S_KS-P07-C032** | Debt buyer collecting supervised loans requires supervised-lender authority absent exemption. | S002; S019; S020 | **High.** |\n| **S_KS-P07-C033** | Passive ownership with outsourced servicing is not an automatic supervised-lender exemption. | S001–S002 | **High.** |\n| **S_KS-P07-C034** | Attorney status does not automatically exempt purchased-debt or separately incorporated collection activity. | S002; S024 | **High.** |\n| **S_KS-P07-C035** | No blanket Kansas affiliate, employee, or nonprofit collection exemption was established. | S001–S003 | **Bounded conclusion; federal exclusions remain separate.** |\n| **S_KS-P07-C036** | Government credit and specified regulated utility/common-carrier transactions are excluded from UCCC under stated conditions. | S001, §16a-1-202 | **High.** |\n| **S_KS-P07-C037** | Medical and hospital services are not categorically outside UCCC/KCPA. | S001; S013 | **High at definitional level.** |\n| **S_KS-P07-C038** | UCCC and FDCPA generally exclude corporate commercial debt, while KCPA can reach sole-proprietor or family-partnership business/agricultural transactions. | S001; S013; S021 | **High general distinction.** |\n| **S_KS-P07-C039** | KCPA prohibits false status, affiliation, material falsehood, ambiguity, omission, and false statements about rights, remedies, or obligations. | S013, §50-626 | **High.** |\n| **S_KS-P07-C040** | KCPA unconscionability can apply before, during, or after consumer transactions and is determined by the court. | S013, §50-627 | **High.** |\n| **S_KS-P07-C041** | UCCC good-faith, fraud, unlicensed-activity, and applicable-law duties apply to covered supervised lenders and CCFs. | S002, §16a-2-310 | **High, with actor and clause limits.** |\n| **S_KS-P07-C042** | No current Kansas collection-specific numerical call-frequency or time-of-day code was located in the official materials searched. | S005; S011–S012 | **Bounded negative finding only.** |\n| **S_KS-P07-C043** | Kansas general telecommunication-harassment law can reach calls or messages made with prohibited intent. | S016 | **High.** Criminal proof required. |\n| **S_KS-P07-C044** | UCCC outside collection costs require contractual authorization, actual reasonable outside costs, no salaried-employee charge, no attorney/agency double charge, and a 15% post-default ceiling. | S014, §16a-2-507 | **High.** |\n| **S_KS-P07-C045** | General K.S.A. 58-2312 permits reasonable contractual collection costs but does not state the UCCC 15% ceiling. | S015 | **High.** |\n| **S_KS-P07-C046** | Covered payments generally must be credited on receipt, subject to the nonconforming-payment rule. | S014, §16a-2-104 | **High.** |\n| **S_KS-P07-C047** | UCCC default requires missed payment or significant impairment, with burden on creditor for impairment. | S014, §16a-5-109 | **High.** |\n| **S_KS-P07-C048** | Covered installment default can require a cure notice before acceleration or repossession; the notice is not FDCPA validation. | S014, §16a-5-111 | **High.** Full enforcement later. |\n| **S_KS-P07-C049** | A false legal or credit-reporting threat can implicate KCPA false-rights or material-misrepresentation provisions. | S013 | **High conditional rule.** Actual legal authority and intent matter. |\n| **S_KS-P07-C050** | No comprehensive Kansas state validation, cease-communication, represented-consumer, third-party-contact, or electronic-opt-out code was located in this bounded pass. | S005; S011–S012 | **Bounded negative finding.** |\n| **S_KS-P07-C051** | Federal FDCPA debt generally requires personal, family, or household purpose. | S021, §1692a | **High.** |\n| **S_KS-P07-C052** | A creditor using another name suggesting a third party can fall within the federal debt-collector definition. | S021 | **High.** |\n| **S_KS-P07-C053** | *Henson* excludes a debt buyer from the “owed another” prong when collecting purchased debt for itself but does not resolve principal-purpose coverage. | S023 | **High.** |\n| **S_KS-P07-C054** | Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors. | S024 | **High.** |\n| **S_KS-P07-C055** | An actor doing no more than nonjudicial foreclosure receives only limited FDCPA treatment under *Obduskey*. | S025 | **High case-specific holding.** |\n| **S_KS-P07-C056** | Regulation F’s communication and frequency rules apply conditionally to federal debt collectors and are not independently enacted Kansas rules. | S022 | **High.** |\n| **S_KS-P07-C057** | FDCPA preserves consistent state law and treats greater state protection as consistent. | S021, §1692n | **High.** |\n| **S_KS-P07-C058** | *Midwest* establishes KCPA coverage of qualifying independent collection-agency conduct but not final liability on the allegations. | S018 | **High with posture limit.** |\n| **S_KS-P07-C059** | *Independent Financial* held an unlicensed supervised-loan assignee lacked enforcement authority on its facts. | S019 | **High case holding; historical and mortgage limits preserved.** |\n| **S_KS-P07-C060** | AG Opinion 2012-11 distinguishes a debt purchaser/assignee from an agency merely receiving an account for collection. | S020 | **Persuasive, not binding.** |\n| **S_KS-P07-C061** | A Kansas CSO licensee may not operate as a collection agency or purchase consumer debt. | S017 | **High statutory boundary; alias to prior collection-overlap gap.** |\n| **S_KS-P07-C062** | A license, CCF roster entry, or NMLS record does not validate an account, prove ownership, or establish the balance. | S006–S009; S020 | **High practical distinction.** |\n| **S_KS-P07-C063** | Full validation, documentation, credit reporting, litigation, limitations, garnishment, and collection-remedy work remains open. | Scope and coverage table | **High project-status statement.** |\n\n# K. Granular coverage and gap table\n\n| Assigned issue | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| General statewide collection-agency license | **Answered as bounded negative** | C001 | Check any separate Secretary of State, professional, sector, municipal, or local requirements in later passes |\n| OSBC jurisdiction over ordinary agencies | **Answered operationally** | C001 | No named agency facts |\n| Debt-buyer supervised-lender trigger | **Answered** | C002, C009–C011, C032 | Actual debt APR, purpose, amount, assignment date, and license record |\n| Passive owner/servicing model | **Answered at text level** | C006, C011, C033 | Actual servicing and assignment documents |\n| Non-supervised debt-buyer CCF filing | **Partial** | C018–C022 | Apply exact current statutory exceptions to actual portfolio |\n| Pure contingency agency CCF status | **Unresolved** | C021, C031 | Formal OSBC interpretation, controlling case, or corrective amendment |\n| Original creditor own-name collection | **Answered conditionally** | C028 | Underlying SL/CCF and transaction facts |\n| Original creditor false-name model | **Answered conditionally** | C029, C052 | Actual name, ownership, and consumer presentation |\n| Attorney forwarded accounts | **Answered narrowly** | C017 | Actual forwarding and attorney role |\n| Attorney or law-firm debt buyer | **Partial** | C034 | Entity, ownership, assignment, and professional-role facts |\n| Affiliate collection | **Unresolved factually** | C035 | Corporate structure, service agreement, assignment, and licensing |\n| Employee collection | **Answered generally** | C035, C044 | Employer status and individual conduct |\n| Nonprofit collector | **No blanket exemption found** | C035 | Actual nonprofit activity and federal counseling conditions |\n| Remote or digital nexus | **Answered** | C003, C027 | Actual solicitation, agreement receipt, and office facts |\n| Licensed place and remote office | **Answered at guidance level** | C013–C014, C027 | Current checklist and specific remote setup |\n| Qualifying individual or manager | **Unresolved** | — | Current complete NMLS Kansas checklist |\n| Initial and renewal lifecycle | **Answered** | C012–C013 | Actual application status not checked |\n| Three-month assignee bridge | **Answered** | C010 | Actual acquisition/application/denial dates |\n| Government application fees | **Partial** | C023–C024 | Authoritative resolution of conflicting late/reinstatement schedule |\n| CCF fee formula | **Answered arithmetically** | C023 | Actual reportable locations and balances |\n| Supervised-lender bond/net worth | **Answered at entry threshold** | C015–C016 | Full collector-security pass later |\n| Public lookup routes | **Answered** | C025 | No named lookup performed |\n| CCF roster | **Answered as dated evidence** | C026 | Live status required for actual provider |\n| Consumer-facing license identity | **Answered for supervised-lender advertising** | C014 | CCF-specific consumer notice not established |\n| Complaint route | **Answered operationally** | C001 | General AG/FTC/CFPB complaint processing and outcomes not analyzed |\n| KCPA original-creditor coverage | **Answered generally** | C039–C040 | Actual consumer transaction and conduct |\n| KCPA independent-agency coverage | **Answered through *Midwest*** | C030, C058 | Final merits and remedy require actual case |\n| Deception and false identity | **Answered** | C039, C049 | Actual communications |\n| Unconscionability | **Answered at standard level** | C040 | Court-specific factual analysis |\n| UCCC good faith/noncompliance | **Answered** | C041 | Exact actor and transaction |\n| State call-time limit | **No collector-specific limit located** | C042, C050 | Search other sector/local/professional sources if relevant |\n| State call-frequency limit | **No numerical rule located** | C042 | Same |\n| Workplace contact | **No detailed state collector rule located** | C050 | Federal status and other Kansas law |\n| Represented-consumer contact | **No detailed state collector rule located** | C050 | Federal FDCPA, attorney ethics, actual representation |\n| Third-party communication/privacy | **No comprehensive state collector code located** | C050 | Privacy, tort, sector, and federal analysis |\n| Written cease request | **No state collector-specific command located** | C050 | Federal status and contract facts |\n| Electronic opt-out | **No state collector-specific procedure located** | C050 | Regulation F and privacy law later |\n| Harassment/threatening calls | **Answered through general criminal law/KCPA** | C039–C043 | Intent, frequency, and criminal proof |\n| Collection charges | **Answered at state ceiling/conditions** | C044–C045 | Actual agreement and invoice |\n| Payment credit | **Answered** | C046 | Actual receipt and payment instructions |\n| Default classification | **Answered** | C047 | Contract and impairment evidence |\n| Cure notice | **Answered at threshold level** | C048 | Full acceleration, repossession, litigation later |\n| False legal threats | **Answered through KCPA boundary** | C049 | Actual right, intent, and communication |\n| False credit-reporting threats | **Answered through KCPA boundary** | C049 | FCRA and furnishing procedure later |\n| Dispute and validation | **Excluded/later** | C050, C063 | Kansas/federal validation, documentation, and dispute pass |\n| Chain of title and ownership proof | **Excluded/later** | C060, C062–C063 | Account schedules, bills of sale, affidavits, evidentiary rules |\n| Credit reporting | **Excluded/later** | C049, C063 | FCRA/Reg V and Kansas overlap |\n| Limitations and revival | **Excluded/later** | C063 | Debt-type statutes, accrual, payments, acknowledgments, repose |\n| Litigation and service | **Excluded/later** | C063 | Pleading, venue, service, standing, default judgment |\n| Garnishment and exemptions | **Excluded/later** | C063 | Separate Kansas enforcement pass |\n| Repossession/security interests | **Partial boundary only** | C048, C055 | UCC, breach of peace, notices, sale, deficiency |\n| Government debt | **Partial** | C036 | Other statutory collection routes |\n| Utility debt | **Partial** | C036 | Regulatory tariff and sector law |\n| Medical debt | **Partial boundary** | C037 | Provider credit terms, medical billing, liens, charity care |\n| Commercial corporate debt | **Answered only at consumer-law boundary** | C038 | General commercial collection and litigation later |\n| Sole-proprietor business debt | **Partial** | C038 | KCPA consumer status and transaction facts |\n| FDCPA original-creditor boundary | **Answered** | C051–C052 | Actual collection name and actor |\n| Federal debt-buyer boundary | **Answered with *Henson* limit** | C053 | Principal-purpose and actual business model |\n| Federal attorney boundary | **Answered** | C054 | Actual regularity and litigation activity |\n| Security-interest federal boundary | **Answered narrowly** | C055 | Actual activity beyond foreclosure |\n| Regulation F communication overlay | **Answered conditionally** | C056 | Full federal protocol remains later |\n| State-law preservation | **Answered** | C057 | Conflict analysis is rule-specific |\n| Full collection remedies/private right | **Excluded except necessary boundaries** | C058–C060 | Separate collection-remedies pass |\n| Full citator and administrative docket | **Not completed** | — | Unpublished cases, trial orders, consent orders, later history |\n| Local and tribal collection law | **Excluded** | — | Separate jurisdictional pass |\n| Actual provider status or authorization | **Not performed** | C062 | Requires legal name, identifiers, and live public lookup |\n| Component, state, parent, or A066 acceptance | **Not evaluated** | C063 | No acceptance follows from PASS-07 |\n\n# L. Researcher self-check\n\n## Actually read or inspected in PASS-07\n\n- Current Kansas UCCC scope, jurisdiction, exclusions, and material definitions.\n- Current supervised-lender licensing trigger, temporary assignee bridge, lifecycle, discipline, conduct, and attorney exemption.\n- Current Consumer Credit Filer statute, notice timing, annual fee provision, and fee-setting authority.\n- The 2024 session-law amendment to K.S.A. 16a-6-201.\n- Current K.A.R. 75-6-31, 75-6-32, and 75-6-35 in the official 2026 UCCC compilation.\n- Current OSBC applications/forms, complaint-jurisdiction, online-help, CCF-roster, fee-summary, remote-work guidance, administrative-interpretation, and guidance materials.\n- Current Kansas KCPA definitions and deceptive/unconscionable conduct provisions.\n- Current Kansas payment-credit, collection-cost, default, cure, and general telecommunication-harassment provisions.\n- Current K.S.A. 50-1121 CSO/collection boundary, without rerunning the CSO passes.\n- *Midwest Service Bureau*, *Independent Financial v. Wanna*, Kansas AG Opinion 2012-11, *Henson*, *Heintz*, and *Obduskey* to the scopes described.\n- Current federal FDCPA definitions, state-law preservation clause, and selected Regulation F communication provisions.\n- Focused official-source searches for Kansas-specific collector call-time, frequency, workplace, represented-consumer, third-party, cease-request, and electronic opt-out rules.\n\n## Preserved rather than regenerated\n\n- Prior P1/P2 CSO provider-access and fee conclusions and source histories.\n- The P3–P5 imported work, without treating its new conclusions as accepted premises.\n- The submitted PASS-06 remedies work, without relying on it as reviewed authority.\n- Prior OSBC source-access limitations and corrected PDF page systems.\n\n## Not read, obtained, or established\n\n- A complete Kansas municipal-code search for local collection-agency permits.\n- Every profession- or sector-specific collection statute.\n- A complete NMLS Kansas supervised-lender checklist.\n- Any named collection agency, debt buyer, servicer, attorney, affiliate, or creditor record.\n- Any private license file, application, examination, complaint, or account record.\n- A formal OSBC interpretation resolving current K.S.A. 16a-6-201(2).\n- A complete Kansas appellate, federal, unpublished, or trial-court citator.\n- A complete OSBC administrative-order or consent-order docket.\n- Detailed Kansas and federal validation-notice requirements.\n- Account-level assignment and chain-of-title proof.\n- FCRA/Reg V furnishing and dispute duties.\n- Debt-specific limitation, revival, acknowledgment, choice-of-law, or repose rules.\n- Litigation pleading, venue, service, standing, default-judgment, attorney-affidavit, or evidence rules.\n- Judgment liens, garnishment, exemptions, wage limits, bank levies, or post-judgment interest.\n- Complete repossession, collateral-sale, deficiency, or breach-of-peace rules.\n- Bankruptcy-stay, discharge, probate, decedent, military, medical, utility, tax, student-loan, secured, local, or tribal collection rules.\n- Full private remedies, standing, damages, penalties, and limitations for collection violations.\n- Any filing, application, account change, contact, purchase, provider lookup, private record request, website work, publication, Chrome control, other Chat, or CAPTCHA workaround.\n\n## Method limits\n\n- “No general collection-agency license established” was not converted into “Kansas does not regulate collectors.”\n- OSBC’s operational use of “CCF license” was not substituted for the statute’s notice language.\n- The malformed current CCF provision was not silently rewritten.\n- A debt buyer was not assumed to be a federal debt collector solely because it bought defaulted debt.\n- An attorney was not assumed exempt merely because the collection was conducted through a law firm.\n- Federal Regulation F communication rules were not recast as Kansas law.\n- A public roster or license entry was not treated as proof of account ownership, consumer liability, or current compliance.\n- A Kansas cure notice was not treated as an FDCPA validation notice.\n- A 15% collection-cost ceiling was not treated as an automatic fee.\n- Search silence was not treated as proof that no unpublished order, sector rule, or local law exists.\n- No actual provider authorization, consumer liability, recovery, operational clearance, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, or publication readiness is supplied.\n\n## PASS-07 conclusion\n\nKansas does not use a single collection-agency licensing and conduct statute. Ordinary third-party agencies do not appear to receive a general OSBC collection license, but debt ownership, assignment, servicing, APR, consumer purpose, and Kansas nexus can activate the supervised-lender or Consumer Credit Filer regimes. Original creditors, debt buyers, agencies, attorneys, servicers, and affiliates therefore require separate model-specific classification.\n\nKansas’s principal substantive collection controls are KCPA deception and unconscionability, UCCC licensing and consumer-credit duties, collection-cost limits, payment-credit and cure rules, and general telecommunication-harassment law. The detailed communication architecture familiar from the FDCPA and Regulation F remains a conditional federal overlay rather than independently enacted Kansas law. Current CCF treatment of a pure contingency collection agency remains unresolved because of the amended statute’s awkward wording, and the complete validation, documentation, reporting, limitations, litigation, garnishment, sector, local, tribal, and remedies dimensions remain open.\n\nEND S_KS PASS-07.\n\n","tables":[{"headers":["Model or activity","Kansas entry result","Key conditions and unresolved facts","Federal gateway"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Model or activity","Kansas entry result","Key conditions and unresolved facts","Federal gateway"],["Original creditor collecting its own ordinary consumer debt in its own name","No separate general collection-agency license established. Original creditor may need supervised-lender licensure or CCF filing based on the underlying consumer-credit transaction.","Transaction purpose, APR, amount, Kansas nexus, creditor status, and exemptions control. KCPA applies to consumer transactions.","Ordinarily outside FDCPA creditor definition when collecting in its own name."],["Original creditor using a different name suggesting an independent collector","No distinct Kansas collection license arises merely from the name, but KCPA false-status and affiliation prohibitions can apply.","Actual presentation, ownership disclosure, and consumer understanding matter.","FDCPA definition expressly can treat a creditor as a debt collector when it uses another name suggesting a third party."],["Third-party contingency collection agency with no assignment","No general OSBC collection-agency license established. KCPA can govern collection conduct. CCF status remains textually uncertain under current §16a-6-201(2).","Whether the agency takes assignment, receives servicing rights, collects UCCC accounts, or merely acts as agent must be established.","Usually a debt collector if regularly collecting covered consumer debts owed another."],["Debt buyer collecting purchased supervised loans","Supervised-lender license required absent exemption; prompt-application three-month bridge may apply to a new assignee.","APR, consumer purpose, transaction amount, assignment date, prompt application, and denial status matter.","Henson removes only the “owed another” route; principal-purpose remains a separate issue."],["Debt buyer collecting purchased non-supervised consumer-credit accounts","CCF filing likely implicated where the buyer is an assignee collecting or enforcing. Exact exemptions and current §6-201 wording must be applied.","Nature of credit transaction, assignment, filing status, and statutory ambiguity remain material.","Federal status remains definition-specific."],["Passive debt owner using a servicer","Outsourcing does not automatically avoid supervised-lender licensure because §16a-2-301 reaches indirect collection and servicing contracts.","Owner, servicer, servicing-right assignment, authority, and debt type must be documented.","Both owner and servicer require separate federal analysis."],["Servicer acquiring only servicing rights","“Assignment” includes servicing-right transfers; supervised-loan and CCF consequences depend on actual debt and activities.","Contract, authority, default status, and payment ownership are essential.","Federal “not in default” servicing exclusions may matter, but are not state exemptions."],["Attorney receiving contracts forwarded for collection","Narrow supervised-lender exemption is textually available.","Attorney must actually be forwarded contracts for collection; exemption does not automatically cover debt purchase, affiliates, or nonlawyer companies.","Attorneys regularly collecting consumer debts through litigation can be FDCPA debt collectors under Heintz."],["Law firm or attorney buying a debt portfolio","No automatic supervised-lender exemption established.","Ownership, assignment, APR, entity form, and attorney role control.","Heintz and ordinary FDCPA definitions apply; attorney status is not a blanket federal exemption."],["Affiliate collecting another affiliate’s debts","No blanket Kansas affiliate exemption located.","Separate entity, assignment, service agreement, licensed principal, and conduct matter.","FDCPA affiliate exclusion is narrow and condition-specific."],["Creditor employee collecting for employer","No separate employee collection license established; employer’s UCCC status controls.","Employee must actually act for creditor; individual misconduct remains possible.","FDCPA generally excludes creditor employees collecting in creditor’s name."],["Nonprofit collector","No Kansas collection-licensing exemption established merely from nonprofit status.","Actual transaction and assignment remain controlling.","Federal exclusion is limited to bona fide nonprofit credit counseling activity—not all nonprofit collections."],["Remote or digital-only agency serving Kansas consumers","No physical Kansas office is required to create UCCC nexus. Licensing or filing follows the underlying activity.","Solicitation, agreement receipt, consumer residence, licensed place, and remote-work guidance matter.","Federal rules apply based on federal status, not physical location."],["Repossession or security-interest enforcement only","Full Kansas repossession and secured-sector analysis is deferred. UCCC default and cure provisions may apply; KCPA has a compliant-collateral-disposition boundary.","Debt, collateral, notice, breach of peace, and judicial versus nonjudicial activity remain open.","Obduskey gives a limited FDCPA result for actors doing no more than nonjudicial foreclosure."],["Government debt or government-credit transaction","UCCC excludes the government and governmental-agency credit transactions described by statute.","Other collection statutes and sovereign rules remain open.","Federal coverage is separately defined."],["Regulated utility/common-carrier tariff transaction","UCCC exclusion may apply where charges are regulated under the stated conditions.","Regulatory status and exact charge matter.","KCPA and sector statutes require separate review."],["Medical or hospital debt","No blanket exclusion. “Services” includes hospital accommodations, and a qualifying consumer-credit arrangement can fall within UCCC/KCPA.","Provider credit terms, finance charge, installments, assignment, and patient status matter.","FDCPA applies only to covered consumer debt and covered collectors."],["Corporate commercial debt","Ordinarily outside UCCC consumer-credit and FDCPA consumer-debt definitions.","KCPA generally does not make a corporation a “consumer”; other contract and business laws remain.","FDCPA normally does not apply."],["Sole-proprietor or family-partnership business debt","May fall outside UCCC/FDCPA personal-purpose definitions but can fall within KCPA’s broader consumer definition for business or agricultural purposes.","Entity form and purpose are critical.","FDCPA still requires personal, family, or household purpose."]]},{"headers":["Conduct or event","Kansas state rule","Covered actor or transaction","Original-creditor coverage","Third-party/debt-buyer coverage","Key exception or hold"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Conduct or event","Kansas state rule","Covered actor or transaction","Original-creditor coverage","Third-party/debt-buyer coverage","Key exception or hold"],["False collector identity or affiliation","K.S.A. 50-626","KCPA supplier in consumer transaction","Yes","Yes, under Midwest conditions","Actual representation and transaction must be proved"],["False amount, ownership, rights, remedies, or obligations","K.S.A. 50-626","KCPA consumer transaction","Yes","Yes","Detailed proof and account ownership later"],["Willful material omission or ambiguity","K.S.A. 50-626","KCPA supplier","Yes","Yes","Willfulness and materiality where text requires"],["Unconscionable pressure or exploitation","K.S.A. 50-627","Consumer transaction; court determines unconscionability","Yes","Yes","Not every aggressive demand is unconscionable"],["Fraud or lack of good faith","K.S.A. 16a-2-310","Supervised lender or CCF","Yes, if covered","Yes, if licensed/filed actor","Provision is not a universal non-UCCC collection code"],["Contact before 8 a.m. or after 9 p.m.","No independent Kansas collector-specific rule located","General KCPA/harassment may still apply","Conditional","Conditional","Federal Reg F supplies the time rule only for federal debt collectors"],["Known inconvenient time or place","No detailed Kansas collector-specific rule located","KCPA and general law","Conditional","Conditional","Federal rule is separate"],["Workplace contact","No detailed Kansas collector-specific rule located","KCPA and general law","Conditional","Conditional","Federal workplace restriction may apply"],["Contact with represented consumer","No detailed Kansas collector-specific rule located","KCPA and professional rules","Conditional","Conditional","Federal FDCPA rule may apply"],["Third-party disclosure","No comprehensive Kansas collection-specific rule located","KCPA, privacy, tort, and sector law may apply","Conditional","Conditional","Federal FDCPA rule may apply"],["Call frequency","No Kansas numerical presumption located","KCPA and K.S.A. 21-6206","Conditional","Conditional","Federal seven-in-seven presumption is not Kansas law"],["Threatening or harassing calls/texts","K.S.A. 21-6206; KCPA","General actor; consumer transaction for KCPA","Yes","Yes","Criminal intent must be proved under §21-6206"],["Written cease request","No Kansas collector-specific cessation code located","Other state law may apply","Held","Held","Federal FDCPA rule may apply"],["Electronic-message opt-out","No Kansas collector-specific rule located","Other privacy and contract law may apply","Held","Held","Regulation F procedures are federal-only"],["Unauthorized collection fee","K.S.A. 16a-2-507 or K.S.A. 58-2312; KCPA","Depends on transaction and contract","Yes","Yes","Contract, actual cost, reasonableness, and ceiling matter"],["Both attorney and agency fees","Prohibited under cited collection-cost statutes","Covered agreement","Yes","Yes","Security-interest realization costs treated separately"],["Salaried employee “collection cost”","Excluded","Creditor’s internal employees","Yes","N/A unless collector seeks pass-through","Cannot be transformed into outside cost"],["Late payment crediting","K.S.A. 16a-2-104","Covered creditor","Yes","Assignee/servicer depending status","Payment-receipt facts required"],["Default declaration","K.S.A. 16a-5-109","Covered consumer credit","Yes","Assignee enforcing rights","Significant impairment burden on creditor"],["Cure notice before acceleration or repossession","K.S.A. 16a-5-111","Covered installment default","Yes","Assignee enforcing covered contract","Full repossession and litigation later"],["False threat of suit or garnishment","KCPA false rights/remedies","Consumer transaction","Yes","Yes","Actual legal right and intent matter"],["False credit-reporting threat","KCPA may apply","Consumer transaction","Yes","Yes","FCRA and actual furnishing procedure later"],["Contact after bankruptcy","Bankruptcy law plus KCPA where deceptive","Creditor or collector","Conditional","Conditional","Full bankruptcy analysis excluded"],["Contact after death","Probate, authority, KCPA, and federal rules","Creditor or collector","Conditional","Conditional","Detailed decedent-contact pass later"],["Repossession/security enforcement","UCCC default/cure; KCPA collateral boundary","Secured transaction","Yes","Assignee/security enforcer","Full sector and repossession analysis later"]]},{"headers":["Item","What this pass establishes","What remains open"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","What this pass establishes","What remains open"],["CCF filing","Regulatory entry evidence for a covered filer","Debt ownership, account balance, chain of title, and account admissibility"],["Supervised-lender license","Market-access evidence for covered supervised-loan activity","Validity of a particular account or consumer liability"],["Public roster","Dated evidence of listed status","Present status, scope, affiliate coverage, account ownership, compliance"],["Assignment","UCCC definition can include servicing rights","Complete bill of sale, schedules, warranties, account-level inclusion"],["Agency placement","Does not necessarily make agency the assignee","Actual authority, litigation standing, power of attorney, remittance terms"],["Kansas cure notice","Default-and-acceleration notice under UCCC","Federal FDCPA validation notice and dispute process"],["Federal validation","Later required federal pass","Full §1692g and Regulation F validation-information analysis"],["Credit reporting","KCPA can prohibit false reporting threats","FCRA furnishing, dispute, deletion, and investigation procedures"],["Litigation proof","AG opinion distinguishes buyer/assignee from mere agency placement","Real-party-in-interest documents, authentication, standing, hearsay"],["Limitations and revival","Not decided here","Debt-type periods, accrual, payment acknowledgment, revival, choice of law"]]},{"headers":["Source ID","Title, issuer, and full literal URL","Exact material read or pinpoint","Version, status, access, and limits"],"index":3,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/","text":"Kansas Legislature\n+8"},{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/","text":"Kansas Legislature\n+5"},{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/","text":"Kansas Legislature\n+4"},{"href":"https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html","text":"Kansas Secretary of State\n+1"},{"href":"https://osbckansas.gov/legal/uccc_2026.pdf","text":"Kansas Bank Commissioner\n+5"},{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"},{"href":"https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com","text":"Kansas Bank Commissioner"},{"href":"https://osbckansas.gov/online-services-help/","text":"Kansas Bank Commissioner\n+1"},{"href":"https://www.osbckansas.gov/lookup/Active_Notifications.pdf","text":"Kansas Bank Commissioner"},{"href":"https://www.osbckansas.gov/cml/cml_fee_summary.pdf","text":"Kansas Bank Commissioner\n+2"},{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner\n+2"},{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+1"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/","text":"Kansas Legislature\n+4"},{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/","text":"Kansas Legislature\n+3"},{"href":"https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/","text":"Kansas Legislature"},{"href":"https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html","text":"Justia Law\n+1"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html","text":"Justia Law\n+1"},{"href":"https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf","text":"Washburn Law KSA Group\n+2"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692a/","text":"U.S. Code\n+1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2","text":"eCFR\n+3"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court\n+3"},{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?ref=hoaweekly.com","text":"GovInfo\n+2"},{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","text":"Supreme Court\n+3"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/","text":"Kansas Legislature\n+8"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/","text":"Kansas Legislature\n+5"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/","text":"Kansas Legislature\n+4"}],[{"href":"https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html","text":"Kansas Secretary of State\n+1"}],[{"href":"https://osbckansas.gov/legal/uccc_2026.pdf","text":"Kansas Bank Commissioner\n+5"}],[{"href":"https://osbckansas.gov/consumer-mortgage-lending/applications-forms/","text":"Kansas Bank Commissioner"}],[{"href":"https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com","text":"Kansas Bank Commissioner"}],[{"href":"https://osbckansas.gov/online-services-help/","text":"Kansas Bank Commissioner\n+1"}],[{"href":"https://www.osbckansas.gov/lookup/Active_Notifications.pdf","text":"Kansas Bank Commissioner"}],[{"href":"https://www.osbckansas.gov/cml/cml_fee_summary.pdf","text":"Kansas Bank Commissioner\n+2"}],[{"href":"https://osbckansas.gov/legal/guidance_2026.pdf","text":"Kansas Bank Commissioner\n+2"}],[{"href":"https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","text":"Kansas Bank Commissioner\n+1"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/","text":"Kansas Legislature\n+4"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/","text":"Kansas Legislature\n+3"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/","text":"Kansas Legislature"}],[{"href":"https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html","text":"Justia Law\n+1"}],[{"href":"https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf","text":"Washburn Law KSA Group\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692a/","text":"U.S. Code\n+1"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2","text":"eCFR\n+3"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court\n+3"}],[{"href":"https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?ref=hoaweekly.com","text":"GovInfo\n+2"}],[{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","text":"Supreme Court\n+3"}]],"rows":[["Source ID","Title, issuer, and full literal URL","Exact material read or pinpoint","Version, status, access, and limits"],["S_KS-P07-S001","Kansas Revisor, UCCC scope and definitions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0202_section/016a_001_0202_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/","Complete material K.S.A. 16a-1-201, 16a-1-202, and definitions in 16a-1-301 for assignment, consumer credit, creditor, lender, regular engagement, services, and supervised loan","Fresh Oct. 26, 2026. Current Revisor pages; selected UCCC provisions, not a complete code or amendment-history audit. \nKansas Legislature\n+8"],["S_KS-P07-S002","Kansas Revisor, supervised-lender provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0303_section/016a_002_0303_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0310_section/016a_002_0310_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0311_section/016a_002_0311_k/","Complete material licensing trigger, temporary assignee period, lifecycle, discipline, prohibited conduct, and exemptions","Fresh Oct. 26, 2026. Current statutory text. No named license or provider checked. \nKansas Legislature\n+5"],["S_KS-P07-S003","Kansas Revisor, CCF and administrative provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0202_section/016a_006_0202_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0203_section/016a_006_0203_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0104_section/016a_006_0104_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0108_section/016a_006_0108_k/","Current CCF coverage/exceptions, notice, annual fee, Administrator fee-setting, and threshold enforcement provisions","Fresh. Current §16a-6-201(2) grammatical ambiguity preserved; no judicial correction inferred. \nKansas Legislature\n+4"],["S_KS-P07-S004","Kansas Secretary of State, 2024 Session Laws, ch. 6, H.B. 2247:\nhttps://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html","Section 114 amendment to K.S.A. 16a-6-201, including deleted and inserted attorney/collection-agency language","Fresh selected historical read. Primary session law; used to trace language, not to invent a corrected codification. \nKansas Secretary of State\n+1"],["S_KS-P07-S005","Kansas OSBC, 2026 Kansas Uniform Consumer Credit Code:\nhttps://osbckansas.gov/legal/uccc_2026.pdf","Supervised-lender and CCF statutory compilation; K.A.R. 75-6-31 and 75-6-32 begin PDF page 144, zero-based index 143, printed UCCC Regulations—Page 4; K.A.R. 75-6-35 appears PDF page 145, index 144, printed UCCC Regulations—Page 5","Fresh selected parsed and visual review. Official agency compilation; Revisor controls statutory text. Rule 75-6-31 and 75-6-32 amended July 24, 2026; 75-6-35 amended Oct. 17, 2025. Negative communication-term searches are bounded, not exhaustive proof. \nKansas Bank Commissioner\n+5"],["S_KS-P07-S006","Kansas OSBC, Applications and Forms:\nhttps://osbckansas.gov/consumer-mortgage-lending/applications-forms/","Public supervised-lender/NMLS and CCF/OSBC Online routes, 2026 renewal cycle description, operational CCF activity summary","Fresh. Procedure and agency description only; not a substitute for coverage text or proof of a named provider’s authorization. \nKansas Bank Commissioner"],["S_KS-P07-S007","Kansas OSBC, consumer complaint and jurisdiction page:\nhttps://osbckansas.gov/consumers/file-a-complaint/","Collection-agency jurisdiction statement and debt-buyer warning","Fresh. Operational jurisdiction guidance. Does not address all local, sector, litigation, or federal obligations. \nKansas Bank Commissioner"],["S_KS-P07-S008","Kansas OSBC, online-services help:\nhttps://osbckansas.gov/online-services-help/","Public lookup routes, search fields, statuses, license types, NMLS versus OSBC Online distinction","Fresh. No named-provider lookup performed. \nKansas Bank Commissioner\n+1"],["S_KS-P07-S009","Kansas OSBC, Approved Consumer Credit Filers as of 7/28/2026:\nhttps://www.osbckansas.gov/lookup/Active_Notifications.pdf","PDF page 1, zero-based index 0, header and roster structure; 23 total PDF pages; no separate printed page number visible","Fresh selected read. Dated roster only; not proof of current or activity-specific status. \nKansas Bank Commissioner"],["S_KS-P07-S010","Kansas OSBC, Consumer and Mortgage Lending Fee Summary:\nhttps://www.osbckansas.gov/cml/cml_fee_summary.pdf","PDF page 1/index 0 and page 3/index 2; no separate printed page numbers visible","Fresh with source conflict. Parser identified Rev. 8/2026 and $500 late/reinstatement amounts; rendered pages displayed Rev. 10/2025 and $750 figures. Stable application, branch, and CCF amounts used; conflicting late/reinstatement amount held. \nKansas Bank Commissioner\n+2"],["S_KS-P07-S011","Kansas OSBC, 2026 Guidance Documents:\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Remote-work guidance: PDF page 9/index 8, printed Guidance page 1; page 10/index 9, printed page 2; page 11/index 10, printed page 3","Fresh selected read. Guidance 2022-1, dated May 5, 2022 and updated March 5, 2025, included in the 2026 valid-guidance compilation. Not individualized approval. \nKansas Bank Commissioner\n+2"],["S_KS-P07-S012","Kansas OSBC, 2026 Administrative Interpretations:\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Outline and bounded searches for collection-agency, debt-collector, workplace, cease, inconvenient, and related terms","Fresh bounded check. No relevant interpretation located. Search silence is not proof no private or differently indexed authority exists. \nKansas Bank Commissioner\n+1"],["S_KS-P07-S013","Kansas Revisor, KCPA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/","Consumer, supplier, services, and consumer-transaction definitions; deceptive and unconscionable acts","Fresh. Current code. Full KCPA remedy and limitation analysis remains outside this pass. \nKansas Legislature\n+4"],["S_KS-P07-S014","Kansas Revisor, UCCC collection-cost, payment, default, and cure provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0104_section/016a_002_0104_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/","Payment credit, outside collection costs, default, and cure notice","Fresh. Current code; full litigation, repossession, acceleration, and remedies analysis deferred. \nKansas Legislature\n+3"],["S_KS-P07-S015","Kansas Revisor, general collection-cost statute:\nhttps://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/","Complete K.S.A. 58-2312","Fresh. General contract collection-cost rule; more specific UCCC provision controls covered transactions. \nKansas Legislature"],["S_KS-P07-S016","Kansas Revisor, telecommunication harassment:\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/","Complete material K.S.A. 21-6206","Fresh. General criminal law, not collection-specific licensing or a private-remedy statute. \nKansas Legislature"],["S_KS-P07-S017","Kansas Revisor, CSO prohibited conduct boundary:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/","K.S.A. 50-1121 provisions prohibiting CSO collection-agency operation and consumer-debt purchase","Fresh scoped read; alias to earlier P1 source family. Does not accept or rerun broader CSO conclusions. \nKansas Legislature"],["S_KS-P07-S018","State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html","Opinion discussion of KCPA supplier status and independent collection agencies","Fresh selected read. 1981 controlling Kansas Supreme Court decision; interlocutory motion-to-dismiss posture, not final merits. \nJustia Law\n+1"],["S_KS-P07-S019","Independent Financial, Inc. v. Wanna, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html","Assignee licensing and authority-to-enforce analysis","Fresh selected read. Published 2008 decision; historical statute and mortgage facts limit extrapolation. \nJustia Law\n+1"],["S_KS-P07-S020","Kansas Attorney General Opinion 2012-11:\nhttps://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf","PDF page 1/index 0; page 8/index 7; page 9/index 8","Freshly read through rendered/cached PDF pages. Later direct open returned HTTP 502. Persuasive AG opinion, not binding judicial precedent. \nWashburn Law KSA Group\n+2"],["S_KS-P07-S021","Federal FDCPA definitions and state-law preservation, OLRC:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692n/","15 U.S.C. §§1692a and 1692n","Fresh. OLRC displayed current federal text through Public Law 119-120, Oct. 7, 2026. Used only for gateway and preservation. \nU.S. Code\n+1"],["S_KS-P07-S022","CFPB Regulation F, eCFR:\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.14\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.104","Definitions, communications, harassment/frequency, and relation to state laws","Fresh selected read. eCFR current through Oct. 22, 2026. Conditional federal overlay only. \neCFR\n+3"],["S_KS-P07-S023","Henson v. Santander Consumer USA Inc., U.S. Supreme Court:\nhttps://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Syllabus PDF index 0; opinion page 1/PDF index 2; opinion page 3/index 4","Fresh selected read. Unanimous 2017 decision; did not decide principal-purpose prong. \nSupreme Court\n+3"],["S_KS-P07-S024","Heintz v. Jenkins, U.S. Supreme Court:\nhttps://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","PDF page 1/index 0, U.S. Reports page 291; PDF page 4/index 3, printed page 294","Fresh selected read. Unanimous 1995 decision. \nGovInfo\n+2"],["S_KS-P07-S025","Obduskey v. McCarthy & Holthus LLP, U.S. Supreme Court:\nhttps://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","Opinion page 1/PDF index 3; opinion page 2/index 4","Fresh selected read. Unanimous 2019 decision; nonjudicial-foreclosure holding is limited. \nSupreme Court\n+3"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoints","Conditions, limits, and confidence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Conditions, limits, and confidence"],["S_KS-P07-C001","No general statewide OSBC collection-agency license was established for an ordinary agency collecting another creditor’s accounts.","S007; S001–S003","High bounded conclusion. Local, sector, professional, and other-agency law remains open."],["S_KS-P07-C002","A collection agency purchasing consumer debt may become a debt buyer subject to supervised-lender or CCF requirements.","S007; S002–S003","High conditional rule. Debt and assignment facts control."],["S_KS-P07-C003","UCCC remote nexus can arise from Kansas-resident solicitation or receipt of the consumer’s electronic or written agreement in Kansas.","S001, §16a-1-201","High."],["S_KS-P07-C004","UCCC consumer-credit coverage generally requires an individual and primarily personal, family, or household purpose.","S001, §16a-1-301","High."],["S_KS-P07-C005","Exact adjusted 2026 UCCC amount threshold was not verified and is held.","S001","High currentness limit."],["S_KS-P07-C006","Assignment includes transfer of servicing rights.","S001, §16a-1-301","High."],["S_KS-P07-C007","Creditor and lender definitions include assignees of the right to payment while limiting automatic carryover of certain pre-assignment duties.","S001","High."],["S_KS-P07-C008","A supervised loan generally is a consumer loan with APR above 12%.","S001","High, subject to complete definition and exclusions."],["S_KS-P07-C009","Taking assignments and directly or indirectly collecting or enforcing supervised loans, including through servicing contracts, requires supervised-lender authority absent exemption.","S002, §16a-2-301","High."],["S_KS-P07-C010","A new supervised-loan assignee must promptly apply and may conditionally collect or enforce for three months while the application has not been denied.","S002, §16a-2-301","High. Not actual-provider approval."],["S_KS-P07-C011","Outsourcing to a servicer does not automatically remove the supervised-loan owner from §16a-2-301.","S002","High textual conclusion."],["S_KS-P07-C012","Supervised-lender license is calendar-year, ordinarily expires Dec. 31, and renewal is due Dec. 1.","S002, §16a-2-302","High."],["S_KS-P07-C013","License is nontransferable and nonassignable; specified changes require ten-business-day notice.","S002, §16a-2-302","High."],["S_KS-P07-C014","Kansas-directed electronic advertising must show licensed name and identifier and be retained 36 months.","S002, §16a-2-302","High for supervised lenders."],["S_KS-P07-C015","Supervised-lender bond is $100,000 for first place plus $25,000 additional, ordinarily capped at $300,000, with special authority up to $1 million.","S005, K.A.R. 75-6-31","High rule-level claim. Full security analysis deferred."],["S_KS-P07-C016","Positive net worth and annual CPA-reviewed financial statement requirements apply under K.A.R. 75-6-35, subject to stated exceptions.","S005","High rule-level claim."],["S_KS-P07-C017","Attorney exemption is limited to an attorney forwarded contracts for collection.","S002, §16a-2-311","High. No blanket firm or debt-buyer exemption."],["S_KS-P07-C018","CCF regime reaches creditors and certain assignees collecting or enforcing Kansas consumer credit.","S003, §16a-6-201","High at general level. Current subsection (2) edge cases unresolved."],["S_KS-P07-C019","Statute uses notice and filing terminology, while OSBC operationally calls CCF a license.","S003; S006","High source-description distinction."],["S_KS-P07-C020","CCF filing is due within 30 days after commencing and annually by Aug. 31, with rule-based amendments.","S003; S005, K.A.R. 75-6-32","High."],["S_KS-P07-C021","Current §16a-6-201(2) has a material grammatical ambiguity concerning supervised-lender licensees, sales/leases, assignments, attorneys, and collection agencies.","S003; S004","High source observation; interpretation held."],["S_KS-P07-C022","The 2024 session law changed former attorney/collection-agency language but does not supply a judicially interpreted cure for current ambiguity.","S004","High historical finding."],["S_KS-P07-C023","Stable displayed fees include $600 supervised-lender company application/renewal, $100 branch, and specified CCF formulas.","S010","High for matching amounts."],["S_KS-P07-C024","Exact current late/reinstatement fee is unresolved because the official PDF parse and rendered pages conflict.","S010","High source-conflict finding."],["S_KS-P07-C025","OSBC Online and NMLS Consumer Access provide public status search routes; no named provider was checked.","S008","High."],["S_KS-P07-C026","July 28, 2026 CCF roster is dated evidence only, not continuing authorization proof.","S009","High."],["S_KS-P07-C027","Proper remote employee work need not create another licensed place under current OSBC guidance if stated conditions are met.","S011","High guidance-level claim; not statutory safe harbor."],["S_KS-P07-C028","Original creditor collecting own debt in own name has no separate general collection-agency license on evidence reviewed, but underlying SL/CCF and KCPA duties remain.","C001–C003; S013","High conditional synthesis."],["S_KS-P07-C029","Original creditor using a name suggesting an outside collector may implicate KCPA and the federal false-name definition.","S013; S021","High conditional rule."],["S_KS-P07-C030","Independent third-party collection agencies can be KCPA suppliers when Midwest’s transaction and conduct conditions are met.","S018","High controlling holding."],["S_KS-P07-C031","Pure contingency agency CCF status remains unresolved under current §16a-6-201(2).","S003–S004","Medium-high hold."],["S_KS-P07-C032","Debt buyer collecting supervised loans requires supervised-lender authority absent exemption.","S002; S019; S020","High."],["S_KS-P07-C033","Passive ownership with outsourced servicing is not an automatic supervised-lender exemption.","S001–S002","High."],["S_KS-P07-C034","Attorney status does not automatically exempt purchased-debt or separately incorporated collection activity.","S002; S024","High."],["S_KS-P07-C035","No blanket Kansas affiliate, employee, or nonprofit collection exemption was established.","S001–S003","Bounded conclusion; federal exclusions remain separate."],["S_KS-P07-C036","Government credit and specified regulated utility/common-carrier transactions are excluded from UCCC under stated conditions.","S001, §16a-1-202","High."],["S_KS-P07-C037","Medical and hospital services are not categorically outside UCCC/KCPA.","S001; S013","High at definitional level."],["S_KS-P07-C038","UCCC and FDCPA generally exclude corporate commercial debt, while KCPA can reach sole-proprietor or family-partnership business/agricultural transactions.","S001; S013; S021","High general distinction."],["S_KS-P07-C039","KCPA prohibits false status, affiliation, material falsehood, ambiguity, omission, and false statements about rights, remedies, or obligations.","S013, §50-626","High."],["S_KS-P07-C040","KCPA unconscionability can apply before, during, or after consumer transactions and is determined by the court.","S013, §50-627","High."],["S_KS-P07-C041","UCCC good-faith, fraud, unlicensed-activity, and applicable-law duties apply to covered supervised lenders and CCFs.","S002, §16a-2-310","High, with actor and clause limits."],["S_KS-P07-C042","No current Kansas collection-specific numerical call-frequency or time-of-day code was located in the official materials searched.","S005; S011–S012","Bounded negative finding only."],["S_KS-P07-C043","Kansas general telecommunication-harassment law can reach calls or messages made with prohibited intent.","S016","High. Criminal proof required."],["S_KS-P07-C044","UCCC outside collection costs require contractual authorization, actual reasonable outside costs, no salaried-employee charge, no attorney/agency double charge, and a 15% post-default ceiling.","S014, §16a-2-507","High."],["S_KS-P07-C045","General K.S.A. 58-2312 permits reasonable contractual collection costs but does not state the UCCC 15% ceiling.","S015","High."],["S_KS-P07-C046","Covered payments generally must be credited on receipt, subject to the nonconforming-payment rule.","S014, §16a-2-104","High."],["S_KS-P07-C047","UCCC default requires missed payment or significant impairment, with burden on creditor for impairment.","S014, §16a-5-109","High."],["S_KS-P07-C048","Covered installment default can require a cure notice before acceleration or repossession; the notice is not FDCPA validation.","S014, §16a-5-111","High. Full enforcement later."],["S_KS-P07-C049","A false legal or credit-reporting threat can implicate KCPA false-rights or material-misrepresentation provisions.","S013","High conditional rule. Actual legal authority and intent matter."],["S_KS-P07-C050","No comprehensive Kansas state validation, cease-communication, represented-consumer, third-party-contact, or electronic-opt-out code was located in this bounded pass.","S005; S011–S012","Bounded negative finding."],["S_KS-P07-C051","Federal FDCPA debt generally requires personal, family, or household purpose.","S021, §1692a","High."],["S_KS-P07-C052","A creditor using another name suggesting a third party can fall within the federal debt-collector definition.","S021","High."],["S_KS-P07-C053","Henson excludes a debt buyer from the “owed another” prong when collecting purchased debt for itself but does not resolve principal-purpose coverage.","S023","High."],["S_KS-P07-C054","Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors.","S024","High."],["S_KS-P07-C055","An actor doing no more than nonjudicial foreclosure receives only limited FDCPA treatment under Obduskey.","S025","High case-specific holding."],["S_KS-P07-C056","Regulation F’s communication and frequency rules apply conditionally to federal debt collectors and are not independently enacted Kansas rules.","S022","High."],["S_KS-P07-C057","FDCPA preserves consistent state law and treats greater state protection as consistent.","S021, §1692n","High."],["S_KS-P07-C058","Midwest establishes KCPA coverage of qualifying independent collection-agency conduct but not final liability on the allegations.","S018","High with posture limit."],["S_KS-P07-C059","Independent Financial held an unlicensed supervised-loan assignee lacked enforcement authority on its facts.","S019","High case holding; historical and mortgage limits preserved."],["S_KS-P07-C060","AG Opinion 2012-11 distinguishes a debt purchaser/assignee from an agency merely receiving an account for collection.","S020","Persuasive, not binding."],["S_KS-P07-C061","A Kansas CSO licensee may not operate as a collection agency or purchase consumer debt.","S017","High statutory boundary; alias to prior collection-overlap gap."],["S_KS-P07-C062","A license, CCF roster entry, or NMLS record does not validate an account, prove ownership, or establish the balance.","S006–S009; S020","High practical distinction."],["S_KS-P07-C063","Full validation, documentation, credit reporting, litigation, limitations, garnishment, and collection-remedy work remains open.","Scope and coverage table","High project-status statement."]]},{"headers":["Assigned issue","Status","Claims","Exact missing evidence or next action"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claims","Exact missing evidence or next action"],["General statewide collection-agency license","Answered as bounded negative","C001","Check any separate Secretary of State, professional, sector, municipal, or local requirements in later passes"],["OSBC jurisdiction over ordinary agencies","Answered operationally","C001","No named agency facts"],["Debt-buyer supervised-lender trigger","Answered","C002, C009–C011, C032","Actual debt APR, purpose, amount, assignment date, and license record"],["Passive owner/servicing model","Answered at text level","C006, C011, C033","Actual servicing and assignment documents"],["Non-supervised debt-buyer CCF filing","Partial","C018–C022","Apply exact current statutory exceptions to actual portfolio"],["Pure contingency agency CCF status","Unresolved","C021, C031","Formal OSBC interpretation, controlling case, or corrective amendment"],["Original creditor own-name collection","Answered conditionally","C028","Underlying SL/CCF and transaction facts"],["Original creditor false-name model","Answered conditionally","C029, C052","Actual name, ownership, and consumer presentation"],["Attorney forwarded accounts","Answered narrowly","C017","Actual forwarding and attorney role"],["Attorney or law-firm debt buyer","Partial","C034","Entity, ownership, assignment, and professional-role facts"],["Affiliate collection","Unresolved factually","C035","Corporate structure, service agreement, assignment, and licensing"],["Employee collection","Answered generally","C035, C044","Employer status and individual conduct"],["Nonprofit collector","No blanket exemption found","C035","Actual nonprofit activity and federal counseling conditions"],["Remote or digital nexus","Answered","C003, C027","Actual solicitation, agreement receipt, and office facts"],["Licensed place and remote office","Answered at guidance level","C013–C014, C027","Current checklist and specific remote setup"],["Qualifying individual or manager","Unresolved","—","Current complete NMLS Kansas checklist"],["Initial and renewal lifecycle","Answered","C012–C013","Actual application status not checked"],["Three-month assignee bridge","Answered","C010","Actual acquisition/application/denial dates"],["Government application fees","Partial","C023–C024","Authoritative resolution of conflicting late/reinstatement schedule"],["CCF fee formula","Answered arithmetically","C023","Actual reportable locations and balances"],["Supervised-lender bond/net worth","Answered at entry threshold","C015–C016","Full collector-security pass later"],["Public lookup routes","Answered","C025","No named lookup performed"],["CCF roster","Answered as dated evidence","C026","Live status required for actual provider"],["Consumer-facing license identity","Answered for supervised-lender advertising","C014","CCF-specific consumer notice not established"],["Complaint route","Answered operationally","C001","General AG/FTC/CFPB complaint processing and outcomes not analyzed"],["KCPA original-creditor coverage","Answered generally","C039–C040","Actual consumer transaction and conduct"],["KCPA independent-agency coverage","Answered through Midwest","C030, C058","Final merits and remedy require actual case"],["Deception and false identity","Answered","C039, C049","Actual communications"],["Unconscionability","Answered at standard level","C040","Court-specific factual analysis"],["UCCC good faith/noncompliance","Answered","C041","Exact actor and transaction"],["State call-time limit","No collector-specific limit located","C042, C050","Search other sector/local/professional sources if relevant"],["State call-frequency limit","No numerical rule located","C042","Same"],["Workplace contact","No detailed state collector rule located","C050","Federal status and other Kansas law"],["Represented-consumer contact","No detailed state collector rule located","C050","Federal FDCPA, attorney ethics, actual representation"],["Third-party communication/privacy","No comprehensive state collector code located","C050","Privacy, tort, sector, and federal analysis"],["Written cease request","No state collector-specific command located","C050","Federal status and contract facts"],["Electronic opt-out","No state collector-specific procedure located","C050","Regulation F and privacy law later"],["Harassment/threatening calls","Answered through general criminal law/KCPA","C039–C043","Intent, frequency, and criminal proof"],["Collection charges","Answered at state ceiling/conditions","C044–C045","Actual agreement and invoice"],["Payment credit","Answered","C046","Actual receipt and payment instructions"],["Default classification","Answered","C047","Contract and impairment evidence"],["Cure notice","Answered at threshold level","C048","Full acceleration, repossession, litigation later"],["False legal threats","Answered through KCPA boundary","C049","Actual right, intent, and communication"],["False credit-reporting threats","Answered through KCPA boundary","C049","FCRA and furnishing procedure later"],["Dispute and validation","Excluded/later","C050, C063","Kansas/federal validation, documentation, and dispute pass"],["Chain of title and ownership proof","Excluded/later","C060, C062–C063","Account schedules, bills of sale, affidavits, evidentiary rules"],["Credit reporting","Excluded/later","C049, C063","FCRA/Reg V and Kansas overlap"],["Limitations and revival","Excluded/later","C063","Debt-type statutes, accrual, payments, acknowledgments, repose"],["Litigation and service","Excluded/later","C063","Pleading, venue, service, standing, default judgment"],["Garnishment and exemptions","Excluded/later","C063","Separate Kansas enforcement pass"],["Repossession/security interests","Partial boundary only","C048, C055","UCC, breach of peace, notices, sale, deficiency"],["Government debt","Partial","C036","Other statutory collection routes"],["Utility debt","Partial","C036","Regulatory tariff and sector law"],["Medical debt","Partial boundary","C037","Provider credit terms, medical billing, liens, charity care"],["Commercial corporate debt","Answered only at consumer-law boundary","C038","General commercial collection and litigation later"],["Sole-proprietor business debt","Partial","C038","KCPA consumer status and transaction facts"],["FDCPA original-creditor boundary","Answered","C051–C052","Actual collection name and actor"],["Federal debt-buyer boundary","Answered with Henson limit","C053","Principal-purpose and actual business model"],["Federal attorney boundary","Answered","C054","Actual regularity and litigation activity"],["Security-interest federal boundary","Answered narrowly","C055","Actual activity beyond foreclosure"],["Regulation F communication overlay","Answered conditionally","C056","Full federal protocol remains later"],["State-law preservation","Answered","C057","Conflict analysis is rule-specific"],["Full collection remedies/private right","Excluded except necessary boundaries","C058–C060","Separate collection-remedies pass"],["Full citator and administrative docket","Not completed","—","Unpublished cases, trial orders, consent orders, later history"],["Local and tribal collection law","Excluded","—","Separate jurisdictional pass"],["Actual provider status or authorization","Not performed","C062","Requires legal name, identifiers, and live public lookup"],["Component, state, parent, or A066 acceptance","Not evaluated","C063","No acceptance follows from PASS-07"]]}],"claims":[{"claim_id":"S_KS-P07-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C001","Precise assertion":"No general statewide OSBC collection-agency license was established for an ordinary agency collecting another creditor’s accounts.","Sources and pinpoints":"S007; S001–S003","Conditions, limits, and confidence":"High bounded conclusion. Local, sector, professional, and other-agency law remains open."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C002","Precise assertion":"A collection agency purchasing consumer debt may become a debt buyer subject to supervised-lender or CCF requirements.","Sources and pinpoints":"S007; S002–S003","Conditions, limits, and confidence":"High conditional rule. Debt and assignment facts control."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C003","Precise assertion":"UCCC remote nexus can arise from Kansas-resident solicitation or receipt of the consumer’s electronic or written agreement in Kansas.","Sources and pinpoints":"S001, §16a-1-201","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C004","Precise assertion":"UCCC consumer-credit coverage generally requires an individual and primarily personal, family, or household purpose.","Sources and pinpoints":"S001, §16a-1-301","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C005","Precise assertion":"Exact adjusted 2026 UCCC amount threshold was not verified and is held.","Sources and pinpoints":"S001","Conditions, limits, and confidence":"High currentness limit."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C006","Precise assertion":"Assignment includes transfer of servicing rights.","Sources and pinpoints":"S001, §16a-1-301","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C007","Precise assertion":"Creditor and lender definitions include assignees of the right to payment while limiting automatic carryover of certain pre-assignment duties.","Sources and pinpoints":"S001","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C008","Precise assertion":"A supervised loan generally is a consumer loan with APR above 12%.","Sources and pinpoints":"S001","Conditions, limits, and confidence":"High, subject to complete definition and exclusions."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C009","Precise assertion":"Taking assignments and directly or indirectly collecting or enforcing supervised loans, including through servicing contracts, requires supervised-lender authority absent exemption.","Sources and pinpoints":"S002, §16a-2-301","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C010","Precise assertion":"A new supervised-loan assignee must promptly apply and may conditionally collect or enforce for three months while the application has not been denied.","Sources and pinpoints":"S002, §16a-2-301","Conditions, limits, and confidence":"High. Not actual-provider approval."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C011","Precise assertion":"Outsourcing to a servicer does not automatically remove the supervised-loan owner from §16a-2-301.","Sources and pinpoints":"S002","Conditions, limits, and confidence":"High textual conclusion."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C012","Precise assertion":"Supervised-lender license is calendar-year, ordinarily expires Dec. 31, and renewal is due Dec. 1.","Sources and pinpoints":"S002, §16a-2-302","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C013","Precise assertion":"License is nontransferable and nonassignable; specified changes require ten-business-day notice.","Sources and pinpoints":"S002, §16a-2-302","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C014","Precise assertion":"Kansas-directed electronic advertising must show licensed name and identifier and be retained 36 months.","Sources and pinpoints":"S002, §16a-2-302","Conditions, limits, and confidence":"High for supervised lenders."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C015","Precise assertion":"Supervised-lender bond is $100,000 for first place plus $25,000 additional, ordinarily capped at $300,000, with special authority up to $1 million.","Sources and pinpoints":"S005, K.A.R. 75-6-31","Conditions, limits, and confidence":"High rule-level claim. Full security analysis deferred."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C016","Precise assertion":"Positive net worth and annual CPA-reviewed financial statement requirements apply under K.A.R. 75-6-35, subject to stated exceptions.","Sources and pinpoints":"S005","Conditions, limits, and confidence":"High rule-level claim."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C017","Precise assertion":"Attorney exemption is limited to an attorney forwarded contracts for collection.","Sources and pinpoints":"S002, §16a-2-311","Conditions, limits, and confidence":"High. No blanket firm or debt-buyer exemption."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C018","Precise assertion":"CCF regime reaches creditors and certain assignees collecting or enforcing Kansas consumer credit.","Sources and pinpoints":"S003, §16a-6-201","Conditions, limits, and confidence":"High at general level. Current subsection (2) edge cases unresolved."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C019","Precise assertion":"Statute uses notice and filing terminology, while OSBC operationally calls CCF a license.","Sources and pinpoints":"S003; S006","Conditions, limits, and confidence":"High source-description distinction."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C020","Precise assertion":"CCF filing is due within 30 days after commencing and annually by Aug. 31, with rule-based amendments.","Sources and pinpoints":"S003; S005, K.A.R. 75-6-32","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C021","Precise assertion":"Current §16a-6-201(2) has a material grammatical ambiguity concerning supervised-lender licensees, sales/leases, assignments, attorneys, and collection agencies.","Sources and pinpoints":"S003; S004","Conditions, limits, and confidence":"High source observation; interpretation held."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C022","Precise assertion":"The 2024 session law changed former attorney/collection-agency language but does not supply a judicially interpreted cure for current ambiguity.","Sources and pinpoints":"S004","Conditions, limits, and confidence":"High historical finding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C023","Precise assertion":"Stable displayed fees include $600 supervised-lender company application/renewal, $100 branch, and specified CCF formulas.","Sources and pinpoints":"S010","Conditions, limits, and confidence":"High for matching amounts."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C024","Precise assertion":"Exact current late/reinstatement fee is unresolved because the official PDF parse and rendered pages conflict.","Sources and pinpoints":"S010","Conditions, limits, and confidence":"High source-conflict finding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C025","Precise assertion":"OSBC Online and NMLS Consumer Access provide public status search routes; no named provider was checked.","Sources and pinpoints":"S008","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C026","Precise assertion":"July 28, 2026 CCF roster is dated evidence only, not continuing authorization proof.","Sources and pinpoints":"S009","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C027","Precise assertion":"Proper remote employee work need not create another licensed place under current OSBC guidance if stated conditions are met.","Sources and pinpoints":"S011","Conditions, limits, and confidence":"High guidance-level claim; not statutory safe harbor."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C028","Precise assertion":"Original creditor collecting own debt in own name has no separate general collection-agency license on evidence reviewed, but underlying SL/CCF and KCPA duties remain.","Sources and pinpoints":"C001–C003; S013","Conditions, limits, and confidence":"High conditional synthesis."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C029","Precise assertion":"Original creditor using a name suggesting an outside collector may implicate KCPA and the federal false-name definition.","Sources and pinpoints":"S013; S021","Conditions, limits, and confidence":"High conditional rule."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C030","Precise assertion":"Independent third-party collection agencies can be KCPA suppliers when Midwest’s transaction and conduct conditions are met.","Sources and pinpoints":"S018","Conditions, limits, and confidence":"High controlling holding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C031","Precise assertion":"Pure contingency agency CCF status remains unresolved under current §16a-6-201(2).","Sources and pinpoints":"S003–S004","Conditions, limits, and confidence":"Medium-high hold."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C032","Precise assertion":"Debt buyer collecting supervised loans requires supervised-lender authority absent exemption.","Sources and pinpoints":"S002; S019; S020","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C033","Precise assertion":"Passive ownership with outsourced servicing is not an automatic supervised-lender exemption.","Sources and pinpoints":"S001–S002","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C034","Precise assertion":"Attorney status does not automatically exempt purchased-debt or separately incorporated collection activity.","Sources and pinpoints":"S002; S024","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C035","Precise assertion":"No blanket Kansas affiliate, employee, or nonprofit collection exemption was established.","Sources and pinpoints":"S001–S003","Conditions, limits, and confidence":"Bounded conclusion; federal exclusions remain separate."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C036","Precise assertion":"Government credit and specified regulated utility/common-carrier transactions are excluded from UCCC under stated conditions.","Sources and pinpoints":"S001, §16a-1-202","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C037","Precise assertion":"Medical and hospital services are not categorically outside UCCC/KCPA.","Sources and pinpoints":"S001; S013","Conditions, limits, and confidence":"High at definitional level."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C038","Precise assertion":"UCCC and FDCPA generally exclude corporate commercial debt, while KCPA can reach sole-proprietor or family-partnership business/agricultural transactions.","Sources and pinpoints":"S001; S013; S021","Conditions, limits, and confidence":"High general distinction."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C039","Precise assertion":"KCPA prohibits false status, affiliation, material falsehood, ambiguity, omission, and false statements about rights, remedies, or obligations.","Sources and pinpoints":"S013, §50-626","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C040","Precise assertion":"KCPA unconscionability can apply before, during, or after consumer transactions and is determined by the court.","Sources and pinpoints":"S013, §50-627","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C041","Precise assertion":"UCCC good-faith, fraud, unlicensed-activity, and applicable-law duties apply to covered supervised lenders and CCFs.","Sources and pinpoints":"S002, §16a-2-310","Conditions, limits, and confidence":"High, with actor and clause limits."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C042","Precise assertion":"No current Kansas collection-specific numerical call-frequency or time-of-day code was located in the official materials searched.","Sources and pinpoints":"S005; S011–S012","Conditions, limits, and confidence":"Bounded negative finding only."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C043","Precise assertion":"Kansas general telecommunication-harassment law can reach calls or messages made with prohibited intent.","Sources and pinpoints":"S016","Conditions, limits, and confidence":"High. Criminal proof required."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C044","Precise assertion":"UCCC outside collection costs require contractual authorization, actual reasonable outside costs, no salaried-employee charge, no attorney/agency double charge, and a 15% post-default ceiling.","Sources and pinpoints":"S014, §16a-2-507","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"material_paid_cost_predicate_correction_required_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance.","coordinator_finding_id":"S_KS-P07-Q001"},{"claim_id":"S_KS-P07-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C045","Precise assertion":"General K.S.A. 58-2312 permits reasonable contractual collection costs but does not state the UCCC 15% ceiling.","Sources and pinpoints":"S015","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C046","Precise assertion":"Covered payments generally must be credited on receipt, subject to the nonconforming-payment rule.","Sources and pinpoints":"S014, §16a-2-104","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C047","Precise assertion":"UCCC default requires missed payment or significant impairment, with burden on creditor for impairment.","Sources and pinpoints":"S014, §16a-5-109","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C048","Precise assertion":"Covered installment default can require a cure notice before acceleration or repossession; the notice is not FDCPA validation.","Sources and pinpoints":"S014, §16a-5-111","Conditions, limits, and confidence":"High. Full enforcement later."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C049","Precise assertion":"A false legal or credit-reporting threat can implicate KCPA false-rights or material-misrepresentation provisions.","Sources and pinpoints":"S013","Conditions, limits, and confidence":"High conditional rule. Actual legal authority and intent matter."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C050","Precise assertion":"No comprehensive Kansas state validation, cease-communication, represented-consumer, third-party-contact, or electronic-opt-out code was located in this bounded pass.","Sources and pinpoints":"S005; S011–S012","Conditions, limits, and confidence":"Bounded negative finding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C051","Precise assertion":"Federal FDCPA debt generally requires personal, family, or household purpose.","Sources and pinpoints":"S021, §1692a","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C052","Precise assertion":"A creditor using another name suggesting a third party can fall within the federal debt-collector definition.","Sources and pinpoints":"S021","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C053","Precise assertion":"Henson excludes a debt buyer from the “owed another” prong when collecting purchased debt for itself but does not resolve principal-purpose coverage.","Sources and pinpoints":"S023","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C054","Precise assertion":"Attorneys regularly collecting consumer debt through litigation can be FDCPA debt collectors.","Sources and pinpoints":"S024","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C055","Precise assertion":"An actor doing no more than nonjudicial foreclosure receives only limited FDCPA treatment under Obduskey.","Sources and pinpoints":"S025","Conditions, limits, and confidence":"High case-specific holding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C056","Precise assertion":"Regulation F’s communication and frequency rules apply conditionally to federal debt collectors and are not independently enacted Kansas rules.","Sources and pinpoints":"S022","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C057","Precise assertion":"FDCPA preserves consistent state law and treats greater state protection as consistent.","Sources and pinpoints":"S021, §1692n","Conditions, limits, and confidence":"High."},"coordinator_verification_status":"selected_text_matches_with_source_currentness_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C058","Precise assertion":"Midwest establishes KCPA coverage of qualifying independent collection-agency conduct but not final liability on the allegations.","Sources and pinpoints":"S018","Conditions, limits, and confidence":"High with posture limit."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C059","Precise assertion":"Independent Financial held an unlicensed supervised-loan assignee lacked enforcement authority on its facts.","Sources and pinpoints":"S019","Conditions, limits, and confidence":"High case holding; historical and mortgage limits preserved."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C060","Precise assertion":"AG Opinion 2012-11 distinguishes a debt purchaser/assignee from an agency merely receiving an account for collection.","Sources and pinpoints":"S020","Conditions, limits, and confidence":"Persuasive, not binding."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C061","Precise assertion":"A Kansas CSO licensee may not operate as a collection agency or purchase consumer debt.","Sources and pinpoints":"S017","Conditions, limits, and confidence":"High statutory boundary; alias to prior collection-overlap gap."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C062","Precise assertion":"A license, CCF roster entry, or NMLS record does not validate an account, prove ownership, or establish the balance.","Sources and pinpoints":"S006–S009; S020","Conditions, limits, and confidence":"High practical distinction."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."},{"claim_id":"S_KS-P07-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P07-C063","Precise assertion":"Full validation, documentation, credit reporting, litigation, limitations, garnishment, and collection-remedy work remains open.","Sources and pinpoints":"Scope and coverage table","Conditions, limits, and confidence":"High project-status statement."},"coordinator_verification_status":"held_for_unreopened_authority_negative_search_or_application","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Wholeclaimtextread; exactstatute/rule/sourcebounds inreview. Noactuallicense/claim/debt/consumer/payout/fullparentacceptance."}],"sources":[{"source_id":"S_KS-P07-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0202_section/016a_001_0202_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/"],"researcher_record":{"Source ID":"S_KS-P07-S001","Title, issuer, and full literal URL":"Kansas Revisor, UCCC scope and definitions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0201_section/016a_001_0201_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0202_section/016a_001_0202_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_001_0000_article/016a_001_0301_section/016a_001_0301_k/","Exact material read or pinpoint":"Complete material K.S.A. 16a-1-201, 16a-1-202, and definitions in 16a-1-301 for assignment, consumer credit, creditor, lender, regular engagement, services, and supervised loan","Version, status, access, and limits":"Fresh Oct. 26, 2026. Current Revisor pages; selected UCCC provisions, not a complete code or amendment-history audit. \nKansas Legislature\n+8"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S002","urls":["https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0303_section/016a_002_0303_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0310_section/016a_002_0310_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0311_section/016a_002_0311_k/"],"researcher_record":{"Source ID":"S_KS-P07-S002","Title, issuer, and full literal URL":"Kansas Revisor, supervised-lender provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0301_section/016a_002_0301_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0302_section/016a_002_0302_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0303_section/016a_002_0303_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0310_section/016a_002_0310_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0311_section/016a_002_0311_k/","Exact material read or pinpoint":"Complete material licensing trigger, temporary assignee period, lifecycle, discipline, prohibited conduct, and exemptions","Version, status, access, and limits":"Fresh Oct. 26, 2026. Current statutory text. No named license or provider checked. \nKansas Legislature\n+5"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S003","urls":["https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0202_section/016a_006_0202_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0203_section/016a_006_0203_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0104_section/016a_006_0104_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0108_section/016a_006_0108_k/"],"researcher_record":{"Source ID":"S_KS-P07-S003","Title, issuer, and full literal URL":"Kansas Revisor, CCF and administrative provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0201_section/016a_006_0201_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0202_section/016a_006_0202_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0203_section/016a_006_0203_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0104_section/016a_006_0104_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_006_0000_article/016a_006_0108_section/016a_006_0108_k/","Exact material read or pinpoint":"Current CCF coverage/exceptions, notice, annual fee, Administrator fee-setting, and threshold enforcement provisions","Version, status, access, and limits":"Fresh. Current §16a-6-201(2) grammatical ambiguity preserved; no judicial correction inferred. \nKansas Legislature\n+4"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S004","urls":["https://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html"],"researcher_record":{"Source ID":"S_KS-P07-S004","Title, issuer, and full literal URL":"Kansas Secretary of State, 2024 Session Laws, ch. 6, H.B. 2247:\nhttps://sos.ks.gov/publications/sessionlaws/2024/Chapter-06-HB-2247.html","Exact material read or pinpoint":"Section 114 amendment to K.S.A. 16a-6-201, including deleted and inserted attorney/collection-agency language","Version, status, access, and limits":"Fresh selected historical read. Primary session law; used to trace language, not to invent a corrected codification. \nKansas Secretary of State\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S005","urls":["https://osbckansas.gov/legal/uccc_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S005","Title, issuer, and full literal URL":"Kansas OSBC, 2026 Kansas Uniform Consumer Credit Code:\nhttps://osbckansas.gov/legal/uccc_2026.pdf","Exact material read or pinpoint":"Supervised-lender and CCF statutory compilation; K.A.R. 75-6-31 and 75-6-32 begin PDF page 144, zero-based index 143, printed UCCC Regulations—Page 4; K.A.R. 75-6-35 appears PDF page 145, index 144, printed UCCC Regulations—Page 5","Version, status, access, and limits":"Fresh selected parsed and visual review. Official agency compilation; Revisor controls statutory text. Rule 75-6-31 and 75-6-32 amended July 24, 2026; 75-6-35 amended Oct. 17, 2025. Negative communication-term searches are bounded, not exhaustive proof. \nKansas Bank Commissioner\n+5"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S006","urls":["https://osbckansas.gov/consumer-mortgage-lending/applications-forms/"],"researcher_record":{"Source ID":"S_KS-P07-S006","Title, issuer, and full literal URL":"Kansas OSBC, Applications and Forms:\nhttps://osbckansas.gov/consumer-mortgage-lending/applications-forms/","Exact material read or pinpoint":"Public supervised-lender/NMLS and CCF/OSBC Online routes, 2026 renewal cycle description, operational CCF activity summary","Version, status, access, and limits":"Fresh. Procedure and agency description only; not a substitute for coverage text or proof of a named provider’s authorization. \nKansas Bank Commissioner"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S007","urls":["https://osbckansas.gov/consumers/file-a-complaint/","https://osbckansas.gov/consumers/file-a-complaint/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P07-S007","Title, issuer, and full literal URL":"Kansas OSBC, consumer complaint and jurisdiction page:\nhttps://osbckansas.gov/consumers/file-a-complaint/","Exact material read or pinpoint":"Collection-agency jurisdiction statement and debt-buyer warning","Version, status, access, and limits":"Fresh. Operational jurisdiction guidance. Does not address all local, sector, litigation, or federal obligations. \nKansas Bank Commissioner"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S008","urls":["https://osbckansas.gov/online-services-help/"],"researcher_record":{"Source ID":"S_KS-P07-S008","Title, issuer, and full literal URL":"Kansas OSBC, online-services help:\nhttps://osbckansas.gov/online-services-help/","Exact material read or pinpoint":"Public lookup routes, search fields, statuses, license types, NMLS versus OSBC Online distinction","Version, status, access, and limits":"Fresh. No named-provider lookup performed. \nKansas Bank Commissioner\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S009","urls":["https://www.osbckansas.gov/lookup/Active_Notifications.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S009","Title, issuer, and full literal URL":"Kansas OSBC, Approved Consumer Credit Filers as of 7/28/2026:\nhttps://www.osbckansas.gov/lookup/Active_Notifications.pdf","Exact material read or pinpoint":"PDF page 1, zero-based index 0, header and roster structure; 23 total PDF pages; no separate printed page number visible","Version, status, access, and limits":"Fresh selected read. Dated roster only; not proof of current or activity-specific status. \nKansas Bank Commissioner"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S010","urls":["https://www.osbckansas.gov/cml/cml_fee_summary.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S010","Title, issuer, and full literal URL":"Kansas OSBC, Consumer and Mortgage Lending Fee Summary:\nhttps://www.osbckansas.gov/cml/cml_fee_summary.pdf","Exact material read or pinpoint":"PDF page 1/index 0 and page 3/index 2; no separate printed page numbers visible","Version, status, access, and limits":"Fresh with source conflict. Parser identified Rev. 8/2026 and $500 late/reinstatement amounts; rendered pages displayed Rev. 10/2025 and $750 figures. Stable application, branch, and CCF amounts used; conflicting late/reinstatement amount held. \nKansas Bank Commissioner\n+2"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S011","urls":["https://osbckansas.gov/legal/guidance_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S011","Title, issuer, and full literal URL":"Kansas OSBC, 2026 Guidance Documents:\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Exact material read or pinpoint":"Remote-work guidance: PDF page 9/index 8, printed Guidance page 1; page 10/index 9, printed page 2; page 11/index 10, printed page 3","Version, status, access, and limits":"Fresh selected read. Guidance 2022-1, dated May 5, 2022 and updated March 5, 2025, included in the 2026 valid-guidance compilation. Not individualized approval. \nKansas Bank Commissioner\n+2"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S012","urls":["https://osbckansas.gov/legal/administrative_interpretations_2026.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S012","Title, issuer, and full literal URL":"Kansas OSBC, 2026 Administrative Interpretations:\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf","Exact material read or pinpoint":"Outline and bounded searches for collection-agency, debt-collector, workplace, cease, inconvenient, and related terms","Version, status, access, and limits":"Fresh bounded check. No relevant interpretation located. Search silence is not proof no private or differently indexed authority exists. \nKansas Bank Commissioner\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S013","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/"],"researcher_record":{"Source ID":"S_KS-P07-S013","Title, issuer, and full literal URL":"Kansas Revisor, KCPA selected sections:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0024_section/050_006_0024_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0026_section/050_006_0026_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_006_0000_article/050_006_0027_section/050_006_0027_k/","Exact material read or pinpoint":"Consumer, supplier, services, and consumer-transaction definitions; deceptive and unconscionable acts","Version, status, access, and limits":"Fresh. Current code. Full KCPA remedy and limitation analysis remains outside this pass. \nKansas Legislature\n+4"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S014","urls":["https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0104_section/016a_002_0104_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/","https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/"],"researcher_record":{"Source ID":"S_KS-P07-S014","Title, issuer, and full literal URL":"Kansas Revisor, UCCC collection-cost, payment, default, and cure provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0104_section/016a_002_0104_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0109_section/016a_005_0109_k/\nhttps://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_005_0000_article/016a_005_0111_section/016a_005_0111_k/","Exact material read or pinpoint":"Payment credit, outside collection costs, default, and cure notice","Version, status, access, and limits":"Fresh. Current code; full litigation, repossession, acceleration, and remedies analysis deferred. \nKansas Legislature\n+3"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S015","urls":["https://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/"],"researcher_record":{"Source ID":"S_KS-P07-S015","Title, issuer, and full literal URL":"Kansas Revisor, general collection-cost statute:\nhttps://www.kslegislature.gov/b2025_26/laws/058_000_0000_chapter/058_023_0000_article/058_023_0012_section/058_023_0012_k/","Exact material read or pinpoint":"Complete K.S.A. 58-2312","Version, status, access, and limits":"Fresh. General contract collection-cost rule; more specific UCCC provision controls covered transactions. \nKansas Legislature"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S016","urls":["https://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/"],"researcher_record":{"Source ID":"S_KS-P07-S016","Title, issuer, and full literal URL":"Kansas Revisor, telecommunication harassment:\nhttps://www.kslegislature.gov/b2025_26/laws/021_000_0000_chapter/021_062_0000_article/021_062_0006_section/021_062_0006_k/","Exact material read or pinpoint":"Complete material K.S.A. 21-6206","Version, status, access, and limits":"Fresh. General criminal law, not collection-specific licensing or a private-remedy statute. \nKansas Legislature"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S017","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/"],"researcher_record":{"Source ID":"S_KS-P07-S017","Title, issuer, and full literal URL":"Kansas Revisor, CSO prohibited conduct boundary:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_011_0000_article/050_011_0021_section/050_011_0021_k/","Exact material read or pinpoint":"K.S.A. 50-1121 provisions prohibiting CSO collection-agency operation and consumer-debt purchase","Version, status, access, and limits":"Fresh scoped read; alias to earlier P1 source family. Does not accept or rerun broader CSO conclusions. \nKansas Legislature"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S018","urls":["https://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html"],"researcher_record":{"Source ID":"S_KS-P07-S018","Title, issuer, and full literal URL":"State ex rel. Miller v. Midwest Service Bureau of Topeka, Inc., Kansas Supreme Court:\nhttps://law.justia.com/cases/kansas/supreme-court/1981/52-256-1.html","Exact material read or pinpoint":"Opinion discussion of KCPA supplier status and independent collection agencies","Version, status, access, and limits":"Fresh selected read. 1981 controlling Kansas Supreme Court decision; interlocutory motion-to-dismiss posture, not final merits. \nJustia Law\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S019","urls":["https://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html"],"researcher_record":{"Source ID":"S_KS-P07-S019","Title, issuer, and full literal URL":"Independent Financial, Inc. v. Wanna, Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/2008/98761.html","Exact material read or pinpoint":"Assignee licensing and authority-to-enforce analysis","Version, status, access, and limits":"Fresh selected read. Published 2008 decision; historical statute and mortgage facts limit extrapolation. \nJustia Law\n+1"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S020","urls":["https://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S020","Title, issuer, and full literal URL":"Kansas Attorney General Opinion 2012-11:\nhttps://ksag.washburnlaw.edu/opinions/2012/2012-011.pdf","Exact material read or pinpoint":"PDF page 1/index 0; page 8/index 7; page 9/index 8","Version, status, access, and limits":"Freshly read through rendered/cached PDF pages. Later direct open returned HTTP 502. Persuasive AG opinion, not binding judicial precedent. \nWashburn Law KSA Group\n+2"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S021","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1692a/","https://uscode.house.gov/us/usc/119-118/t15/s1692n/"],"researcher_record":{"Source ID":"S_KS-P07-S021","Title, issuer, and full literal URL":"Federal FDCPA definitions and state-law preservation, OLRC:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692a/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692n/","Exact material read or pinpoint":"15 U.S.C. §§1692a and 1692n","Version, status, access, and limits":"Fresh. OLRC displayed current federal text through Public Law 119-120, Oct. 7, 2026. Used only for gateway and preservation. \nU.S. Code\n+1"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S022","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.14","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.104","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2"],"researcher_record":{"Source ID":"S_KS-P07-S022","Title, issuer, and full literal URL":"CFPB Regulation F, eCFR:\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.14\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.104","Exact material read or pinpoint":"Definitions, communications, harassment/frequency, and relation to state laws","Version, status, access, and limits":"Fresh selected read. eCFR current through Oct. 22, 2026. Conditional federal overlay only. \neCFR\n+3"},"coordinator_verification_status":"selected_primary_text_compared_with_conditions_and_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S023","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S023","Title, issuer, and full literal URL":"Henson v. Santander Consumer USA Inc., U.S. Supreme Court:\nhttps://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Exact material read or pinpoint":"Syllabus PDF index 0; opinion page 1/PDF index 2; opinion page 3/index 4","Version, status, access, and limits":"Fresh selected read. Unanimous 2017 decision; did not decide principal-purpose prong. \nSupreme Court\n+3"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S024","urls":["https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf?ref=hoaweekly.com"],"researcher_record":{"Source ID":"S_KS-P07-S024","Title, issuer, and full literal URL":"Heintz v. Jenkins, U.S. Supreme Court:\nhttps://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf","Exact material read or pinpoint":"PDF page 1/index 0, U.S. Reports page 291; PDF page 4/index 3, printed page 294","Version, status, access, and limits":"Fresh selected read. Unanimous 1995 decision. \nGovInfo\n+2"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."},{"source_id":"S_KS-P07-S025","urls":["https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf"],"researcher_record":{"Source ID":"S_KS-P07-S025","Title, issuer, and full literal URL":"Obduskey v. McCarthy & Holthus LLP, U.S. Supreme Court:\nhttps://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","Exact material read or pinpoint":"Opinion page 1/PDF index 3; opinion page 2/index 4","Version, status, access, and limits":"Fresh selected read. Unanimous 2019 decision; nonjudicial-foreclosure holding is limited. \nSupreme Court\n+3"},"coordinator_verification_status":"held_not_freshly_reopened_this_scoped_review","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_scope_note":"Actualreadmapgoverns; selecteddefinitions/clausesnotwholesourcecertification. RAW/researcherprovenanceandallcurrentness/applicationholdsretained."}],"coverage":[{"topic":"General statewide collection-agency license","researcher_record":{"Assigned issue":"General statewide collection-agency license","Status":"Answered as bounded negative","Claims":"C001","Exact missing evidence or next action":"Check any separate Secretary of State, professional, sector, municipal, or local requirements in later passes"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"OSBC jurisdiction over ordinary agencies","researcher_record":{"Assigned issue":"OSBC jurisdiction over ordinary agencies","Status":"Answered operationally","Claims":"C001","Exact missing evidence or next action":"No named agency facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Debt-buyer supervised-lender trigger","researcher_record":{"Assigned issue":"Debt-buyer supervised-lender trigger","Status":"Answered","Claims":"C002, C009–C011, C032","Exact missing evidence or next action":"Actual debt APR, purpose, amount, assignment date, and license record"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Passive owner/servicing model","researcher_record":{"Assigned issue":"Passive owner/servicing model","Status":"Answered at text level","Claims":"C006, C011, C033","Exact missing evidence or next action":"Actual servicing and assignment documents"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Non-supervised debt-buyer CCF filing","researcher_record":{"Assigned issue":"Non-supervised debt-buyer CCF filing","Status":"Partial","Claims":"C018–C022","Exact missing evidence or next action":"Apply exact current statutory exceptions to actual portfolio"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Pure contingency agency CCF status","researcher_record":{"Assigned issue":"Pure contingency agency CCF status","Status":"Unresolved","Claims":"C021, C031","Exact missing evidence or next action":"Formal OSBC interpretation, controlling case, or corrective amendment"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Original creditor own-name collection","researcher_record":{"Assigned issue":"Original creditor own-name collection","Status":"Answered conditionally","Claims":"C028","Exact missing evidence or next action":"Underlying SL/CCF and transaction facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Original creditor false-name model","researcher_record":{"Assigned issue":"Original creditor false-name model","Status":"Answered conditionally","Claims":"C029, C052","Exact missing evidence or next action":"Actual name, ownership, and consumer presentation"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Attorney forwarded accounts","researcher_record":{"Assigned issue":"Attorney forwarded accounts","Status":"Answered narrowly","Claims":"C017","Exact missing evidence or next action":"Actual forwarding and attorney role"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Attorney or law-firm debt buyer","researcher_record":{"Assigned issue":"Attorney or law-firm debt buyer","Status":"Partial","Claims":"C034","Exact missing evidence or next action":"Entity, ownership, assignment, and professional-role facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Affiliate collection","researcher_record":{"Assigned issue":"Affiliate collection","Status":"Unresolved factually","Claims":"C035","Exact missing evidence or next action":"Corporate structure, service agreement, assignment, and licensing"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Employee collection","researcher_record":{"Assigned issue":"Employee collection","Status":"Answered generally","Claims":"C035, C044","Exact missing evidence or next action":"Employer status and individual conduct"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Nonprofit collector","researcher_record":{"Assigned issue":"Nonprofit collector","Status":"No blanket exemption found","Claims":"C035","Exact missing evidence or next action":"Actual nonprofit activity and federal counseling conditions"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Remote or digital nexus","researcher_record":{"Assigned issue":"Remote or digital nexus","Status":"Answered","Claims":"C003, C027","Exact missing evidence or next action":"Actual solicitation, agreement receipt, and office facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Licensed place and remote office","researcher_record":{"Assigned issue":"Licensed place and remote office","Status":"Answered at guidance level","Claims":"C013–C014, C027","Exact missing evidence or next action":"Current checklist and specific remote setup"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Qualifying individual or manager","researcher_record":{"Assigned issue":"Qualifying individual or manager","Status":"Unresolved","Claims":"—","Exact missing evidence or next action":"Current complete NMLS Kansas checklist"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Initial and renewal lifecycle","researcher_record":{"Assigned issue":"Initial and renewal lifecycle","Status":"Answered","Claims":"C012–C013","Exact missing evidence or next action":"Actual application status not checked"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Three-month assignee bridge","researcher_record":{"Assigned issue":"Three-month assignee bridge","Status":"Answered","Claims":"C010","Exact missing evidence or next action":"Actual acquisition/application/denial dates"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Government application fees","researcher_record":{"Assigned issue":"Government application fees","Status":"Partial","Claims":"C023–C024","Exact missing evidence or next action":"Authoritative resolution of conflicting late/reinstatement schedule"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"CCF fee formula","researcher_record":{"Assigned issue":"CCF fee formula","Status":"Answered arithmetically","Claims":"C023","Exact missing evidence or next action":"Actual reportable locations and balances"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Supervised-lender bond/net worth","researcher_record":{"Assigned issue":"Supervised-lender bond/net worth","Status":"Answered at entry threshold","Claims":"C015–C016","Exact missing evidence or next action":"Full collector-security pass later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Public lookup routes","researcher_record":{"Assigned issue":"Public lookup routes","Status":"Answered","Claims":"C025","Exact missing evidence or next action":"No named lookup performed"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"CCF roster","researcher_record":{"Assigned issue":"CCF roster","Status":"Answered as dated evidence","Claims":"C026","Exact missing evidence or next action":"Live status required for actual provider"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Consumer-facing license identity","researcher_record":{"Assigned issue":"Consumer-facing license identity","Status":"Answered for supervised-lender advertising","Claims":"C014","Exact missing evidence or next action":"CCF-specific consumer notice not established"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Complaint route","researcher_record":{"Assigned issue":"Complaint route","Status":"Answered operationally","Claims":"C001","Exact missing evidence or next action":"General AG/FTC/CFPB complaint processing and outcomes not analyzed"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"KCPA original-creditor coverage","researcher_record":{"Assigned issue":"KCPA original-creditor coverage","Status":"Answered generally","Claims":"C039–C040","Exact missing evidence or next action":"Actual consumer transaction and conduct"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"KCPA independent-agency coverage","researcher_record":{"Assigned issue":"KCPA independent-agency coverage","Status":"Answered through Midwest","Claims":"C030, C058","Exact missing evidence or next action":"Final merits and remedy require actual case"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Deception and false identity","researcher_record":{"Assigned issue":"Deception and false identity","Status":"Answered","Claims":"C039, C049","Exact missing evidence or next action":"Actual communications"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Unconscionability","researcher_record":{"Assigned issue":"Unconscionability","Status":"Answered at standard level","Claims":"C040","Exact missing evidence or next action":"Court-specific factual analysis"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"UCCC good faith/noncompliance","researcher_record":{"Assigned issue":"UCCC good faith/noncompliance","Status":"Answered","Claims":"C041","Exact missing evidence or next action":"Exact actor and transaction"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"State call-time limit","researcher_record":{"Assigned issue":"State call-time limit","Status":"No collector-specific limit located","Claims":"C042, C050","Exact missing evidence or next action":"Search other sector/local/professional sources if relevant"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"State call-frequency limit","researcher_record":{"Assigned issue":"State call-frequency limit","Status":"No numerical rule located","Claims":"C042","Exact missing evidence or next action":"Same"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Workplace contact","researcher_record":{"Assigned issue":"Workplace contact","Status":"No detailed state collector rule located","Claims":"C050","Exact missing evidence or next action":"Federal status and other Kansas law"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Represented-consumer contact","researcher_record":{"Assigned issue":"Represented-consumer contact","Status":"No detailed state collector rule located","Claims":"C050","Exact missing evidence or next action":"Federal FDCPA, attorney ethics, actual representation"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Third-party communication/privacy","researcher_record":{"Assigned issue":"Third-party communication/privacy","Status":"No comprehensive state collector code located","Claims":"C050","Exact missing evidence or next action":"Privacy, tort, sector, and federal analysis"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Written cease request","researcher_record":{"Assigned issue":"Written cease request","Status":"No state collector-specific command located","Claims":"C050","Exact missing evidence or next action":"Federal status and contract facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Electronic opt-out","researcher_record":{"Assigned issue":"Electronic opt-out","Status":"No state collector-specific procedure located","Claims":"C050","Exact missing evidence or next action":"Regulation F and privacy law later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Harassment/threatening calls","researcher_record":{"Assigned issue":"Harassment/threatening calls","Status":"Answered through general criminal law/KCPA","Claims":"C039–C043","Exact missing evidence or next action":"Intent, frequency, and criminal proof"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Collection charges","researcher_record":{"Assigned issue":"Collection charges","Status":"Answered at state ceiling/conditions","Claims":"C044–C045","Exact missing evidence or next action":"Actual agreement and invoice"},"coordinator_acceptance":"material_paid_cost_predicate_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Payment credit","researcher_record":{"Assigned issue":"Payment credit","Status":"Answered","Claims":"C046","Exact missing evidence or next action":"Actual receipt and payment instructions"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Default classification","researcher_record":{"Assigned issue":"Default classification","Status":"Answered","Claims":"C047","Exact missing evidence or next action":"Contract and impairment evidence"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Cure notice","researcher_record":{"Assigned issue":"Cure notice","Status":"Answered at threshold level","Claims":"C048","Exact missing evidence or next action":"Full acceleration, repossession, litigation later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"False legal threats","researcher_record":{"Assigned issue":"False legal threats","Status":"Answered through KCPA boundary","Claims":"C049","Exact missing evidence or next action":"Actual right, intent, and communication"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"False credit-reporting threats","researcher_record":{"Assigned issue":"False credit-reporting threats","Status":"Answered through KCPA boundary","Claims":"C049","Exact missing evidence or next action":"FCRA and furnishing procedure later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Dispute and validation","researcher_record":{"Assigned issue":"Dispute and validation","Status":"Excluded/later","Claims":"C050, C063","Exact missing evidence or next action":"Kansas/federal validation, documentation, and dispute pass"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Chain of title and ownership proof","researcher_record":{"Assigned issue":"Chain of title and ownership proof","Status":"Excluded/later","Claims":"C060, C062–C063","Exact missing evidence or next action":"Account schedules, bills of sale, affidavits, evidentiary rules"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Credit reporting","researcher_record":{"Assigned issue":"Credit reporting","Status":"Excluded/later","Claims":"C049, C063","Exact missing evidence or next action":"FCRA/Reg V and Kansas overlap"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Limitations and revival","researcher_record":{"Assigned issue":"Limitations and revival","Status":"Excluded/later","Claims":"C063","Exact missing evidence or next action":"Debt-type statutes, accrual, payments, acknowledgments, repose"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Litigation and service","researcher_record":{"Assigned issue":"Litigation and service","Status":"Excluded/later","Claims":"C063","Exact missing evidence or next action":"Pleading, venue, service, standing, default judgment"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Garnishment and exemptions","researcher_record":{"Assigned issue":"Garnishment and exemptions","Status":"Excluded/later","Claims":"C063","Exact missing evidence or next action":"Separate Kansas enforcement pass"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Repossession/security interests","researcher_record":{"Assigned issue":"Repossession/security interests","Status":"Partial boundary only","Claims":"C048, C055","Exact missing evidence or next action":"UCC, breach of peace, notices, sale, deficiency"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Government debt","researcher_record":{"Assigned issue":"Government debt","Status":"Partial","Claims":"C036","Exact missing evidence or next action":"Other statutory collection routes"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Utility debt","researcher_record":{"Assigned issue":"Utility debt","Status":"Partial","Claims":"C036","Exact missing evidence or next action":"Regulatory tariff and sector law"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Medical debt","researcher_record":{"Assigned issue":"Medical debt","Status":"Partial boundary","Claims":"C037","Exact missing evidence or next action":"Provider credit terms, medical billing, liens, charity care"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Commercial corporate debt","researcher_record":{"Assigned issue":"Commercial corporate debt","Status":"Answered only at consumer-law boundary","Claims":"C038","Exact missing evidence or next action":"General commercial collection and litigation later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Sole-proprietor business debt","researcher_record":{"Assigned issue":"Sole-proprietor business debt","Status":"Partial","Claims":"C038","Exact missing evidence or next action":"KCPA consumer status and transaction facts"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"FDCPA original-creditor boundary","researcher_record":{"Assigned issue":"FDCPA original-creditor boundary","Status":"Answered","Claims":"C051–C052","Exact missing evidence or next action":"Actual collection name and actor"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Federal debt-buyer boundary","researcher_record":{"Assigned issue":"Federal debt-buyer boundary","Status":"Answered with Henson limit","Claims":"C053","Exact missing evidence or next action":"Principal-purpose and actual business model"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Federal attorney boundary","researcher_record":{"Assigned issue":"Federal attorney boundary","Status":"Answered","Claims":"C054","Exact missing evidence or next action":"Actual regularity and litigation activity"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Security-interest federal boundary","researcher_record":{"Assigned issue":"Security-interest federal boundary","Status":"Answered narrowly","Claims":"C055","Exact missing evidence or next action":"Actual activity beyond foreclosure"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Regulation F communication overlay","researcher_record":{"Assigned issue":"Regulation F communication overlay","Status":"Answered conditionally","Claims":"C056","Exact missing evidence or next action":"Full federal protocol remains later"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"State-law preservation","researcher_record":{"Assigned issue":"State-law preservation","Status":"Answered","Claims":"C057","Exact missing evidence or next action":"Conflict analysis is rule-specific"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Full collection remedies/private right","researcher_record":{"Assigned issue":"Full collection remedies/private right","Status":"Excluded except necessary boundaries","Claims":"C058–C060","Exact missing evidence or next action":"Separate collection-remedies pass"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Full citator and administrative docket","researcher_record":{"Assigned issue":"Full citator and administrative docket","Status":"Not completed","Claims":"—","Exact missing evidence or next action":"Unpublished cases, trial orders, consent orders, later history"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Local and tribal collection law","researcher_record":{"Assigned issue":"Local and tribal collection law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate jurisdictional pass"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Actual provider status or authorization","researcher_record":{"Assigned issue":"Actual provider status or authorization","Status":"Not performed","Claims":"C062","Exact missing evidence or next action":"Requires legal name, identifiers, and live public lookup"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."},{"topic":"Component, state, parent, or A066 acceptance","researcher_record":{"Assigned issue":"Component, state, parent, or A066 acceptance","Status":"Not evaluated","Claims":"C063","Exact missing evidence or next action":"No acceptance follows from PASS-07"},"coordinator_acceptance":"collection_component_scoped_reviewed_all_original_holds_retained_not_parent_accepted","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:43:43.604633+00:00","coordinator_review_note":"All67coveragecellsread; no generalabsence/currentness/fullcommunications/validation/reporting/litigation/parentacceptance. Q001affectscollectioncosts; allotherremaining/excludedworkretained."}],"annotations":{},"corrections":[{"issue_id":"S_KS-P07-Q001","finding":"Reportdescribesincurredoutsidecostsand uses aninvoice/actualcostwithoutstatingpayment to supportpotentialcollectibility. Source expressly usesPAIDtooutsideparties; aninvoice alone doesnotestablishthispredicate. Arithmeticceilings remaincorrect.","affected_claim_ids":["S_KS-P07-C044"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/016a_000_0000_chapter/016a_002_0000_article/016a_002_0507_section/016a_002_0507_k/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_KS-P07-scoped-review-20261029-parallel","status":"reviewed_one_bounded_paid_cost_predicate_correction_pending_UNSENT","at":null}]}