{"meta":{"key":"s_mn--pass-10","task":"S_MN","title":"SMN Collection-agency, debt-buyer, and individual-collector credentials","parent_title":"Minnesota debt and debt relief law","edition":"pass-10","path":"/research/s_mn--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":17,"claims":64,"sources":47,"review_status":"scoped_review_complete_collection_credentials_security_rounding_instrument_currentness_holds","review_complete":true,"sha256":"6c528e91b2f6f89887a6996853a87502d8f24748ec8d3ab11dd7326d70a8abff","headings":["A. Findings that control this gateway","1. Minnesota’s collection definition is not the FDCPA definition","2. Entity approval and individual registration have different starting rules","3. A new 2026 exclusion must be applied to the displayed 2025 text","4. The current collection rules do not supply old fees or automatic reciprocity","5. The collection bond is based on net Minnesota collections—not collector count","B1. Actor and activity classification","No general consumer-only or acquisition-default shortcut","Anti-evasion and names","B2. Minnesota nexus","B3. Every material §332.32 exclusion, with its limits","Incorporated service provisions actually checked","Entity exclusion versus individual registration","C1. Credential and event sequence","C2. Affiliate conditions","C3. Qualifications and disqualifiers","Agency and management review","Individual screening","Section 332.35—and the necessary Chapter 364 qualification","C4. Supervision and credential consequences","D1. Government-charge table","D2. Public application materials actually available","Name and address changes: notice versus approval","D3. Renewal, lapse and status verification","E1. Statutory measure","What is not the base","E2. Statute versus public worksheet","E3. Public instrument terms","E4. Security lapse and distinct money categories","F1. Version/effect matrix","The 2024 date is deliberately not guessed","Statute, rule and form discrepancies","F2. Published decisions actually read","F3. Necessary federal distinction","G1. Eighteen distinct fictional postures","G2. Model 1 — Initial and renewal government charges; offices versus home employees","Assumptions","Initial charges","Renewal charges","G3. Model 2 — Previous-calendar-year measure and the rounding boundary","Inputs","Public worksheet calculation","Boundary alternatives","G4. Model 3 — Timely renewal, collector addition, and interrupted security","Assumptions","Security branches","G5. Model 4 — Maximum bond, operating money, provider outlay and aggregate losses","Bond inputs","Provider outlay—not the penal sum","Separate collection transaction","Aggregate hypothetical losses","Retrieval limits and bounded searches"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_MN/pass-10","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["collection"],"subject":["provider-licensing"]},"scope":"Required collection dimension narrowed to agency/debt-buyer/individual-collector credential/exclusion/security/public-procedure gateway; reviewedP01allremainingstate statement, not inventedexactcollectionrow","pending_corrections":0},"markdown":"# S_MN PASS-10 — Collection-agency, debt-buyer, and individual-collector credentials\n\n**Research/access date:** October 27, 2026, America/Los_Angeles.\n**Baseline:** October 22, 2026; not represented as the date of current verification.\n**Component:** Collection-specific actor classification, licensing and individual registration, exclusions, qualifications, locations, security, and public procedures.\n\n**Disposition:** The principal credential and security requirements are established within the version limits below. Material holds remain concerning certain exclusion applications, criminal-history rehabilitation, reciprocal-waiver orders, fractional bond calculations, multi-location bond coverage, late/reinstatement procedures, and actual instruments or entity status.\n\nEarlier answers and their provenance remain unchanged. **P09 is unreviewed and is not a premise.** No DMP, settlement, or credit-services bond formula is used here.\n\nThroughout, **S001** means **S_MN-P10-S001**. Each source identifier resolves to a complete HTTPS URL and read-scope record in section H. Claims **C001–C064** belong exclusively to this pass.\n\n## A. Findings that control this gateway\n\n### 1. Minnesota’s collection definition is not the FDCPA definition\n\nMinnesota separately reaches a business collecting indebtedness **for others** and a business purchasing **charged-off debt for collection purposes**. The debt-buyer definition expressly includes outsourcing collection or hiring an attorney. The state collection definition is not limited by the federal consumer-purpose or nondefault-at-acquisition exclusions. [C008–C010; S001.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.31)\n\nAccordingly, neither of these shortcuts is reliable:\n\n“We own the debt, so we cannot need a collection license.”\n\n“We are not a federal debt collector, so Minnesota credentials do not apply.”\n\nThe actual state definition, exclusion, nexus, and activity must be tested separately.\n\n### 2. Entity approval and individual registration have different starting rules\n\nA covered agency or debt buyer must first apply for **and obtain** the collection-agency license. A licensee’s individual collector may begin upon submission of the prescribed registration application, with the required verification, unless Commerce advises that the individual is ineligible. This individual provision does not authorize an unapproved company to begin operating. [C013, C022; S003, subdivisions 1 and 5a.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.33)\n\n### 3. A new 2026 exclusion must be applied to the displayed 2025 text\n\nLaws 2026, chapter 124, article 1, §57 adds scope-limited exclusions for a **licensed residential mortgage servicer under Chapter 58** and a **licensed student-loan servicer under Chapter 58B**. It does not rewrite the existing loan-or-finance-company exception. The added exclusion applies only to activities subject to licensure under the applicable chapter. [C002, C019.] [revisor.mn.gov](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0)\n\nThe effective date is **August 1, 2026, at 12:01 a.m.**, using the enacted section, the official House chapter chronology and §645.02. The previously reviewed act-level classification is retained as dated context; this pass does not claim a fresh sequential read of the entire act. [Minnesota House+1](https://www.house.mn.gov/NewLaws/story/2026/5756)\n\n### 4. The current collection rules do not supply old fees or automatic reciprocity\n\nThe Revisor’s Chapter 2870 contains repeal notices, including repeal of the remaining provisions by Laws 2014, chapter 222, article 1, §58. Old rule text is not used to supply present late fees, temporary licenses, or application deadlines.\n\nLikewise, former §332.3351 is repealed. Current §332.3352 requires a commissioner’s **order**, an effective written reciprocal agreement, and home-state good standing. No qualifying current agreement or order was verified for a particular jurisdiction or actor. [C005–C006, C021.] [MN Revisor+2](https://www.revisor.mn.gov/rules/2870/full)\n\n### 5. The collection bond is based on net Minnesota collections—not collector count\n\nSection 332.34 sets a $50,000 base, an additional $5,000 for each $100,000 of the specified previous-calendar-year receipts less qualifying commissions, and a $100,000 maximum. The public worksheet adds a nearest-$5,000 rounding instruction that the statute does not expressly state. Midpoint treatment and other unresolved measurement questions remain held. [C037–C039.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.34)\n\n# B. Actor, activity, nexus, and exclusion matrices\n\n## B1. Actor and activity classification\n\n| Actor/activity | State credential analysis | Required fact or unresolved boundary |\n| --- | --- | --- |\n| **Third-party collection agency** | A person in the business of collecting an account, bill, or other indebtedness for others falls within §332.31(3), subject to exclusions. | Identify the actual collection business and beneficiary—not merely the contract title. |\n| **Charged-off debt buyer** | Included in “collection agency or licensee”; purchasing charged-off debt for collection is sufficient even if collection is outsourced. | Actual purchase, charged-off status, collection purpose, and any genuine exclusion. |\n| **Passive purchaser using another agency or lawyers** | Outsourcing does not remove the debt-buyer definition. | A qualifying non-active affiliated company may use the distinct single-license provision; that is not universal exemption. |\n| **Purchaser of performing/noncharged-off debt** | Does not satisfy the charged-off-debt limb merely because it purchased a receivable. | Test “for others,” actual servicing, exclusions, and anti-evasion provisions. |\n| **Original creditor collecting its genuine own debt in its own name** | Ordinarily outside the “for others” limb and not a charged-off-debt purchaser on those facts. | An assignment, third-party beneficiary, fictitious name, or separate affiliate can change the analysis. |\n| **Assignee remitting collections to the original holder** | Assignment ownership does not necessarily defeat “for others.” | Actual economic and contractual arrangement; *PurCo* is directly relevant. |\n| **Individual collector** | A person collecting under an agency’s or debt buyer’s authority is separately addressed by the registration provisions. | Employer/licensee relationship, actual duties, and prescribed submission. |\n| **Independent contractor** | Calling a collector a contractor does not establish exclusion from §332.33(1). | The employee submission and remote-work provisions do not automatically establish a contractor’s filing route or branch exception. |\n| **Collection-system or form supplier** | The definition expressly includes the specified systems/forms simulating agency collection, even when payment goes directly to the creditor. | Actual names, representations and services supplied. |\n| **General advertiser or preparatory solicitation** | Chapter 332’s collection gateway is not written identically to the debt-relief chapters’ broad offer/advertising clauses. | No blanket permission for pre-license solicitation is established; actual conduct of collection business or simulated collection must be tested. |\n| **Affiliate** | A single-license route exists only for companies meeting all four statutory affiliate conditions. | Common control alone is insufficient. |\n| **Property recovery/repossessor** | Pure property recovery and monetary collection must be distinguished. | No universal secured-activity exclusion is announced; *Nichols* is historical and limited. |\n\nAuthorities: §§332.31, .33, .38; S001, S003, S007; C008–C014. [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.31)\n\n### No general consumer-only or acquisition-default shortcut\n\nThe state agency definition uses “any account, bill, or other indebtedness.” Commercial collection therefore cannot be excluded solely because the FDCPA’s definition of debt is consumer-oriented. “Charged-off” matters to the state debt-buyer limb; acquisition before default is not a universal state collection-agency exclusion. [C009–C010.]\n\n### Anti-evasion and names\n\nSection 332.38 reaches pretended purchases or assignments designed to evade the chapter. It also reaches use of another or fictitious name suggesting that a third party is collecting.\n\nFor a licensed business, §332.37(a)(16) requires use of the licensed full business name or a DBA registered with Commerce. A registered individual may use **one additional assumed name only after registration and approval**. The company’s DBA and the individual’s approved assumed name are different requirements. [C011, C031.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.38)\n\n## B2. Minnesota nexus\n\n| Nexus fact | Result established |\n| --- | --- |\n| Agency physically operates in Minnesota | Ordinary §332.33 business-location inquiry applies. |\n| Remote agency collects for a Minnesota business | The published *PurCo* holding addresses this nexus. |\n| Debt originates in a Minnesota transaction | *PurCo* also addresses this basis. |\n| Debtor is currently located in Minnesota | Material to several provisions, especially the bond’s receipt base; it is not the exclusive possible licensing nexus. |\n| Debtor, creditor and transaction all outside Minnesota | No conclusion is made merely because a company has unrelated Minnesota business. |\n| Nonresident agency has another state’s license | That license alone is not Minnesota authority. |\n| Reciprocity is claimed | Current §332.3352 requires the stated agreement, good standing and commissioner order. |\n| Tribal, sovereign, federal or local special status is claimed | No blanket resolution; actual status, territory and governing authority remain separate. |\n\n[S008, S041; C012, C021.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.3352)\n\n## B3. Every material §332.32 exclusion, with its limits\n\n| Listed category | Actual statutory qualification or boundary | What is not established merely by the label |\n| --- | --- | --- |\n| **Bank** | Collecting accounts owed to the bank **and** the bank bears the loss if uncollectible | A bank-affiliated marketer, outside collection vendor, or nominal account ownership does not automatically qualify |\n| **Abstract company** | Doing an escrow business | Every service offered by a title-related company |\n| **Real-estate broker** | Listed category | That any entity using “real estate” in its name is a broker or that other regimes disappear |\n| **Public officer** | Listed category | A private contractor’s public-client relationship |\n| **Person acting under court order** | Actual court-order predicate | Merely anticipating litigation or possessing a private collection contract |\n| **Lawyer** | Listed category | Automatic extension to a nonlawyer agency, purchaser, affiliate or vendor |\n| **Trust company** | Listed category | A business that merely maintains a trust account |\n| **Insurance company** | Listed category | An insurance-related service vendor |\n| **Credit union** | Listed category | A company using a credit union’s banking services |\n| **Savings association** | Listed category | Every lender or purchaser |\n| **Loan or finance company** | Exclusion does not apply to the specified enforcement of purchased **unsecured** claims with recourse to the seller for all or part if uncollected | Universal exclusion for every debt purchaser calling itself a finance company |\n| **Qualifying trade association** | Services authorized by §604.15(4a): the specified IRS-recognized §501(c)(6) association acting for member retailers in the motor-fuel context | Generic nonprofit collection activity; §332.37 remains expressly applicable |\n| **Licensed residential mortgage servicer** | New §332.32(c): Chapter 58 license and activities subject to that licensure | Merely being exempt from Chapter 58 licensing, or conducting unrelated collection |\n| **Licensed student-loan servicer** | New §332.32(c): Chapter 58B license and activities subject to that licensure | Merely being a loan owner, federal contractor, or license-exempt institution |\n\nThe 2021 enactment deleted the former introductory language concerning collection incidental to another business. It is therefore improper to resurrect a general “collection is incidental to our main business” exception from an older version. [C015–C020.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.32)\n\n### Incorporated service provisions actually checked\n\nFor mortgage servicing, §§58.02 and 58.04 were read to identify servicing activities and distinguish licensure from licensing exemptions. For student loans, §§58B.02 and 58B.03 were read for the corresponding service, borrower and licensing predicates.\n\nThe new collection exclusion says **licensed**. A person merely exempt from mortgage or student-loan licensing cannot assume that this new paragraph applies, although another collection exclusion might. Neither servicing chapter’s complete current sector regime is certified here. [C019–C020.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/58.04)\n\n### Entity exclusion versus individual registration\n\nSection 332.32 excludes specified actors from the **collection-agency definition**. It is not a free-standing exemption for every person connected to them.\n\nA lawyer’s independent collection company, a bank’s unrelated vendor, or a contractor operating under a licensed agency must be classified on its own facts. Conversely, no separate individual registration is presumed simply because an employee collects an original creditor’s genuine own accounts in the creditor’s name.\n\nNo collection-specific statutory burden-of-proof sentence equivalent to the CSO statute was located in the relied-on collection provisions. This report requires supporting facts without importing the CSO burden provision. [C013, C020.]\n\n# C. Approval, registration, qualification, location and supervision\n\n## C1. Credential and event sequence\n\n| Actor/event | Required step, trigger or clock | Consequence/limit |\n| --- | --- | --- |\n| **New agency/debt buyer** | Apply for and obtain agency license before conducting covered Minnesota business | Filing or paying alone is insufficient |\n| **Historical debt-buyer transition** | Statute required application no later than January 1, 2022; the separate continuation sentence applies to applications filed **before** that date and still pending | Not a current general pending-application privilege |\n| **Individual collector** | Licensed employer submits prescribed application and verification | Individual may begin on submission unless Commerce advises ineligibility |\n| **First company license, then collector submission** | Current Commerce procedure requires agency approval first | Individual submission cannot bootstrap an unlicensed company |\n| **Additional office** | Separate license for each place of business, except the statutory employee-location rule | One company identity does not automatically cover every office |\n| **Employee working elsewhere/home** | §332.33(5b) requires compliance with requirements that would apply at the licensed location | No additional branch license for a qualifying location |\n| **Contractor working from home** | Employee exception is not automatically applicable | Actual status and licensing/location treatment remain held |\n| **Qualified affiliates** | Single license and examination if all statutory conditions are met and names are listed | Active collectors do not satisfy the affiliate definition merely through common ownership |\n| **Company name/address/ownership change** | Written notice no later than ten days after change | Not the same as initial approval or a universal permission to transfer the license |\n| **Individual name/address/assumed-name change** | Written notice within ten days | Additional assumed name still requires registration and approval |\n| **Violation-based employee termination** | Notify Commerce within ten days if termination is based wholly or partly on a chapter violation | Not an invented statutory ten-day rule for every departure |\n| **Death of licensee** | Statutory executor/administrator route for unexpired term under probate-court direction | Not ordinary unrestricted transferability |\n| **June 30 expiration** | Agency licenses and individual registrations expire annually | No verified grace period or payment-only reinstatement permission |\n\n[S003, S010, S029; C022–C023, C026, C031–C033.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.33)\n\n## C2. Affiliate conditions\n\nAll four §332.31(9) elements must be present:\n\n1. Common control, or the specified direct/indirect control relationship.\n2. The same executive management team or controlling owner.\n3. A uniform network of corporate and compliance policies and procedures.\n4. **No active collection of debts by the affiliate.**\n\nThe Commerce form, dated **August 2021**, says affiliate names are entered in the electronic licensing record rather than printed on the license. That is an operational explanation of the statutory listing requirement, not a new exemption for branches or DBAs. The form expressly distinguishes those categories. [C014, C047.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.31)\n\n## C3. Qualifications and disqualifiers\n\n### Agency and management review\n\nSection 332.33(4) authorizes financial statements, references and investigation of reputation, integrity, competence and net worth, including managerial personnel. The initial investigation is at applicant expense, capped at $500, and Commerce may require an appropriate deposit. The public financial statement requests assets, liabilities and financial information; it does not itself establish a fixed minimum capital threshold. [C025, C034, C036.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.33)\n\nNo current collection-specific fixed years-of-manager-experience requirement, examination pass mark, mandatory course, or universal continuing-education number was established in the bodies read. That is a bounded finding, not a declaration that no general or transaction-specific requirement can apply.\n\n### Individual screening\n\n| Stage | Required screening |\n| --- | --- |\n| **Initial** | At hiring, before submission: national criminal search, attorney-licensing search, and county criminal searches for all counties of residence during the preceding five years |\n| **Renewal** | National criminal search and counties of residence during the immediately preceding year |\n| **Timing** | Renewal screening no more than 60 days before expiration or renewal |\n| **First-renewal exception** | No renewal screening required if initial screening occurred within 12 months of the first renewal |\n| **Later renewals** | Annual renewal screening required |\n| **Vendor and procedures** | Statute uses National Association of Professional Background Screeners or equivalent; Commerce currently refers to Professional Background Screening Association or equivalent. Licensee procedures remain reviewable. |\n\nThe difference in association names is preserved as statutory-versus-operational wording; no individual vendor’s qualification was verified. [C027–C028.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.33)\n\n### Section 332.35—and the necessary Chapter 364 qualification\n\nSection 332.35 identifies five-year disqualifying matters involving applicants/entities or their officers: fraud or felony convictions; identity-theft or financial-crime misdemeanors/gross misdemeanors; the specified failure-to-account judgments; and revoked or involuntarily suspended law licenses.\n\nIt also limits the civil-judgment ground: an ordinary civil judgment is not the specified disqualification merely because it exists. [C029.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.35)\n\n**That is not the end of the conviction analysis.** Section 364.03 contains a notwithstanding-other-law provision concerning directly related convictions and rehabilitation. Section 364.09’s exceptions were read; no collection-specific exception was identified, and background-check requirements remain preserved.\n\nLaws 2026, chapter 97, article 9, §2 changes the rehabilitation subsection, requiring both rehabilitation and present fitness and changing the listed evidentiary treatment. It took effect **May 19, 2026**, the day after the May 18 enactment. The displayed 2025 rehabilitation text therefore cannot be used without that overlay. [C030.] [MN Revisor+3](https://www.revisor.mn.gov/statutes/cite/364.03)\n\nNo responsive controlling decision was opened resolving every interaction between §§332.35 and 364.03 for these credentials. **Neither automatic denial for every conviction nor guaranteed approval after rehabilitation is established.**\n\n## C4. Supervision and credential consequences\n\nSection 332.355 assigns responsibility to the agency/debt buyer and the individual collector for required or prohibited acts. Sections 332.40, 332.42 and 45.027 provide examination, financial-information, investigation and sanction powers, subject to the applicable procedures.\n\nSection 332.42’s five-year record triggers differ for agency accounts and purchased accounts. Those provisions were read only to establish supervisory access and retention context—not to complete collection documentation, trust accounting or debt-proof requirements. [C034–C035.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.355)\n\nOperating without the required credential, or after revocation, suspension or expiration, is addressed by §332.33(2). A bond lapse can also create a failure of the continuing security obligation and expose the licensee to regulatory action. The report does not invent automatic suspension at the instant of every defect; statutory duties and actual enforcement steps must be distinguished. [C026, C043.]\n\n# D. Verified charges and public procedure\n\n## D1. Government-charge table\n\n| Item | Verified amount or rule | Source strength and limitation |\n| --- | --- | --- |\n| Agency license | **$500** | Statute, §332.33(3) |\n| Initial investigation | Actual initial expense, **not exceeding $500** | Statute, §332.33(4) |\n| Initial main-office application as currently instructed | **$1,000 total: $500 license + $500 investigation** | Commerce operating instruction |\n| Initial branch application | **$500 per branch** | Commerce instruction; underlying per-place license rule |\n| Agency/branch renewal | **$400 per license** | Statute and Commerce |\n| Individual initial registration | **$10 per collector** | Statute and Commerce |\n| Individual renewal | **$10 per collector** | Statute and Commerce |\n| Qualifying employee home location | **No additional branch license required** | Statute; not a contractor exemption |\n| Proration, late filing, reinstatement, transfer, amendment or nonresident surcharge | **Not verified** | Unknown is not zero; no amount imported from repealed rules |\n| Background-vendor price, Sircon transaction charge, premium or collateral | **Not determined** | Private/portal cost not inferred from government fee |\n| General education-provider fees under Chapter 45 | **Not added** | Those are not established collection-license charges |\n\n[C024–C026.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.33)\n\n## D2. Public application materials actually available\n\nThe current Commerce page uses **Sircon**, not the NMLS process used in other Minnesota debt-service categories. It describes company identity/control disclosures, background questions, an executed bond or accepted cash-deposit proof, a financial statement, organizational documents and assumed-name evidence. The live transactional application requires an account; it was not entered. [C046–C047.] [mn.gov // Minnesota's State Portal](https://mn.gov/commerce/licensing/list/business/collections/)\n\n| Public material | Version evidence | Read finding |\n| --- | --- | --- |\n| Commerce collection page | Undated substantive page; accessed October 27, 2026 | Initial/renewal instructions and update routes read |\n| Debt-buyer FAQ | Undated, three pages | Same collection-agency license; buyer-specific explanations; not a separate license type |\n| Affiliate notification | **8-2021**, one page | Four conditions, electronic-record listing, not DBA/branch notification |\n| Corporation/LLC bond | Undated, two pages | Instrument and calculation worksheet read |\n| Sole-proprietor bond | Undated, two pages | “Individual” means the business principal form, not a separate personal bond for each employee collector |\n| Partnership bond | Undated, two pages | Partnership execution and same worksheet structure |\n| Financial statement | Undated, one page | Asset/liability/net-worth fields; purchased accounts at purchase price for that form |\n| Individual name-change form | **8-2023**, one page | Ten-day instruction, legal supporting documents and certification |\n| Ownership-change form | **1-2021**, one page | Listed ownership/control persons and changes; its 10% owner field is not a statutory safe harbor for all smaller changes |\n\nThe public page’s abbreviated debt-buyer trust-account statement must be read with the FAQ and statutory distinction: a buyer’s collection of its own purchased debt is not the same as collecting third-party money for others. This is only a boundary note; no trust-control analysis is supplied. [C047, C058.] [mn.gov // Minnesota's State Portal+2](https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf)\n\n### Name and address changes: notice versus approval\n\nCommerce instructs business name/address notices **after** the change, within ten days, with the specified signed request and bond/rider documentation; a name change also requires amended organizational evidence. That does not authorize a new company to operate before its initial license, and it does not eliminate the individual assumed-name approval requirement. [C031–C032.] [mn.gov // Minnesota's State Portal](https://mn.gov/commerce/licensing/list/business/collections/)\n\n## D3. Renewal, lapse and status verification\n\nCommerce states that agency renewal becomes available during the first week of April, individual renewal on April 1, and the deadline is June 30. The statutory expiration is June 30.\n\nNo current public late-renewal/reinstatement schedule or automatic continuation rule was verified. The historical debt-buyer transition and repealed temporary-license language are not substitutes. [C026, C046.]\n\nThe public lookup directory links agencies and collectors to Sircon. The public landing page and consumer inquiry route were opened, but the tool returned a limited state-selection interface—not a named result. No name, license number, identifier or private information was submitted. Thus the route is established, but current result-field definitions, completeness and any named credential are not. [C048.] [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce/licensing/license-lookup/)\n\nCommerce’s complaint page has a **Collections & Debt** route and describes its complaint process. It was read without opening or submitting a complaint. A complaint route is not a finding of misconduct, and licensure is not proof of debt validity or claimant standing. [C049.] [mn.gov // Minnesota's State Portal](https://mn.gov/commerce/consumer/file-a-complaint)\n\n# E. Collection-specific bond and security\n\n## E1. Statutory measure\n\nLet:\n\n- RRR = money received from debtors located in Minnesota during the previous calendar year;\n- CCC = commissions earned during that year on those collections;\n- N=R−CN = R-CN=R−C.\n\nSection 332.34 provides the $50,000 base, the additional $5,000-per-$100,000 measure, and the $100,000 maximum. It requires each licensee to **file and maintain** the acceptable corporate surety bond. An approved cash deposit may substitute, but only in the amount, manner and depository accepted by the commissioner. [C037–C039.] [MN Revisor](https://www.revisor.mn.gov/statutes/cite/332.34)\n\nThe formula was enacted in Laws 2010, chapter 384, §94, expressly applicable to bonds obtained or renewed **after January 1, 2011**. That phrase is preserved; it is not rewritten as “on or after.” [C007.] [MN Revisor](https://www.revisor.mn.gov/laws/2010/0/384/)\n\n### What is not the base\n\nCollector headcount, number of employees, purchased-debt face value, provider revenue from all states, trust-account peak and bond premium are not substituted for the statutory receipt-minus-commission measure.\n\nFor a debt buyer, a purchase price, accounting discount or entire collection receipt is not automatically an “earned commission.” The current public financial-statement form’s treatment of purchased accounts does not resolve that separate bond deduction. [C037, C044.]\n\n## E2. Statute versus public worksheet\n\nThe official blank bond’s second page instructs:\n\nPlain text\n```\nA. Previous-calendar-year Minnesota debtor receipts.\nB. Commissions earned in that year on those receipts.\nC. A − B.\nD. C ÷ $100,000.\nE. D × $5,000.\nF. E + $50,000.\nG. Round F to the nearest multiple of $5,000.\nApply the $100,000 maximum.\n```\n\nThe statute does not expressly state this rounding method. The public worksheet does; no binding interpretation reconciling every fractional increment or midpoint was located. Therefore:\n\n- exact-increment examples are straightforward;\n- a nonmidpoint worksheet result can be reported **as the worksheet result**;\n- a midpoint is not silently rounded up, down or to even; and\n- neither algebraic prorating nor a different whole-block convention is asserted as controlling law without further authority.\n\n[C038; S032–S034.] [mn.gov // Minnesota's State Portal](https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf)\n\nOther unresolved measurement issues include consolidated versus per-location receipts, multiple licensed offices, predecessor transactions, reversals crossing year-end and the time for a midyear adjustment. No automatic collector-count bond increase was found.\n\n## E3. Public instrument terms\n\n| Term | Actual public-form content | Limit |\n| --- | --- | --- |\n| Principal and office | Named agency and the office covered | Does not prove one instrument covers all branches |\n| Surety | Corporate surety authorized to conduct insurance business in Minnesota | Actual authorization/instrument not checked |\n| Obligee/benefit | Commerce/State and persons damaged by covered failures | Not automatic consumer payment |\n| Condition | Compliance with covered collection obligations | Actual covered loss remains necessary |\n| Claim gateway | Commissioner or damaged person may pursue the stated action in the injured party’s name | Full surety litigation and defenses deferred |\n| Duration | Continuing until cancellation under the form | Not reset automatically each license year |\n| Cancellation | Written notice to obligee; effective 30 days after notice is **sent** | Not a certified-mail requirement borrowed from another bond form; no real deadline computed |\n| Earlier liability | Preserved despite later cancellation | Does not extend to all later conduct |\n| Aggregate limit | One continuing penal limit regardless of years or claim count | Not a separate full limit per claimant |\n| Claim-payment notice | Surety must notify Commerce before paying | No actual claim or payout evaluated |\n\nThe forms cite §§332.31–332.45, although the current chapter’s relevant endpoint is .44 and .45 is repealed. That stale citation must be preserved as a form defect/ambiguity—not used to revive repealed law. The exact accepted instrument and any rider remain necessary. [C040–C044, C058.] [mn.gov // Minnesota's State Portal](https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf)\n\n## E4. Security lapse and distinct money categories\n\nFailure to maintain security is not cured by paying a renewal fee. Replacement security must actually cover the relevant period. Whether Commerce issues a suspension, cease-and-desist order or another sanction involves the applicable authority and process; no automatic enforcement outcome is invented. [C043.]\n\n| Category | Distinction |\n| --- | --- |\n| Penal sum | Maximum stated bond obligation, subject to coverage and instrument terms |\n| Premium | Surety’s price; not the penal sum |\n| Collateral | Separate surety-required security, if any |\n| Approved cash substitute | Restricted security accepted under §332.34 |\n| Government fee | Licensing/registration charge |\n| Customer receipt/remittance | Collection transaction, not bond funding or premium |\n| Covered loss | Proven loss within the applicable obligation—not automatically the face value of debt or bond |\n\nA bond is not general insurance against every act by a licensed business. The limited published *Nichols* decision below illustrates that distinction. [C045, C051.]\n\n# F. Enactments, rules, discrepancies and published decisions\n\n## F1. Version/effect matrix\n\n| Material | What was established | Remaining limit |\n| --- | --- | --- |\n| Current Chapter 332 displays | Retrieved 2025 bodies, including specific 2026 warning on §332.32 | Not a fully consolidated October 2026 certificate |\n| 2010 ch.384 §94 | Current bond measure; bonds obtained/renewed after January 1, 2011 | No retroactive application to older instruments assumed |\n| 2014 ch.222 | Selected registration/name provisions and express repeal of Chapter 2870 parts read | Exact historical effective-date chain not fully certified; electronic publication date is not legal effectiveness |\n| 2021 first special session ch.4, art.5 | Debt-buyer definition/inclusion, affiliates and related provisions; selected clauses expressly effective August 1, 2021 | January 2022 transition is historical, not a current blanket pending privilege |\n| 2022 ch.70 §§1–2 | Employee remote-location exception, expressly effective June 1, 2022 | No contractor extension inferred |\n| 2024 ch.114 | Former §332.3351 repeal and new §332.3352 order-based waiver read | Precise historical transition date held; see discrepancy below |\n| 2026 ch.124 art.1 §57 | Licensed mortgage/student-loan-servicer exclusion effective August 1, 2026, 12:01 a.m. | Actual licensure/scope not established |\n| 2026 ch.97 art.9 §2 | Revised rehabilitation rule effective May 19, 2026 | Individual eligibility/harmonization remains held |\n| Federal definition source | Official USC text through Public Law 119-120, October 7, 2026 | No later federal-law certificate |\n| Regulation F | Current CFPB official definitions and interpretations read after the eCFR route failed | Exact consolidated eCFR currency metadata not recovered |\n\nSources: S018–S028, S043–S047. [MN Revisor+3](https://www.revisor.mn.gov/laws/2010/0/384/)\n\n### The 2024 date is deliberately not guessed\n\nThe enacted repeal of former §332.3351 has no date in paragraph (a); the adjacent January 1, 2025 clause expressly governs paragraph (b), a different repeal. New §332.3352 likewise has no local effective-date clause. The official House chapter summary broadly says January 1, 2025 unless otherwise noted.\n\nThat summary is not sufficient to assign the date to these particular unmarked provisions without completing the act-level reconciliation. **Their current repealed/replacement status is established; their exact original transition date remains held.** [C005, C058.] [MN Revisor+2](https://www.revisor.mn.gov/laws/2024/0/114/)\n\n### Statute, rule and form discrepancies\n\n| Issue | Authoritative distinction |\n| --- | --- |\n| Old Chapter 2870 requirements | Repealed; do not reuse historic charges or filing rules |\n| Former out-of-state exemption | Repealed; current waiver requires order/agreement/good standing |\n| Bond rounding | Worksheet supplies nearest-$5,000 instruction; statute does not expressly state rounding |\n| Bond endpoint citation | Public forms still cite .45; current law cannot be replaced by that stale reference |\n| Branch language in public FAQ | Must be read with the later statutory employee home-location exception |\n| Background-screening association name | Statute and current page use different names; both allow an equivalent vendor |\n| Affiliate names | Statute says listed on license; current form describes electronic record listing |\n| Initial main-office fee | Statute authorizes $500 license plus investigation up to $500; agency page currently instructs a full $1,000 |\n| Civil-judgment background questions | A broad disclosure question is not itself proof that every judgment disqualifies under §332.35 |\n| Ownership form’s 10% field | Does not replace the statute’s general ownership-change notice requirement |\n\n[C025, C029, C038, C047, C058.]\n\n## F2. Published decisions actually read\n\n**In the Matter of the Unlicensed Debt Collection Activity of PurCo Fleet Services, Inc., A25-0375 (Minn. App. Nov. 24, 2025), precedential, slip pp. 8–22.** The court affirmed Commerce’s final cease-and-desist order. Its holdings address unliquidated rental-damage obligations, collection for others despite assignment where proceeds are remitted, and Minnesota-business/transaction nexus. It rejected the as-applied vagueness challenge. It did not adjudicate every buyer or unrelated out-of-state activity. Official opinion read; no complete subsequent-history certification. [C012.] [mn.gov // Minnesota's State Portal](https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf)\n\n**Nichols v. Metropolitan Bank, 468 N.W.2d 84, 85–87 (Minn. App. 1991).** The published opinion affirmed dismissal of the surety claim arising from personal injury during automobile repossession under the then-applicable bond and law. It is not a current blanket repossession exemption or general immunity. The majority body was read through a public republication; an official image was not obtained. [C051.] [Justia Law](https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html)\n\nNo unpublished opinion or nonfinal administrative recommendation is used as controlling authority. Search-only materials concerning attorney collection and later administrative disputes were not adopted. No complete citator or all-final-order search is claimed.\n\n## F3. Necessary federal distinction\n\nThe FDCPA and Regulation F use their own consumer-debt, principal-purpose, regular-collection and exclusion tests. Their own-creditor employee, affiliate, public-duty, process-serving and nondefault-servicing provisions are not substitutes for §332.32. Conversely, a Minnesota lawyer or financial-institution exclusion does not automatically remove federal obligations. Federal security-interest treatment is also separate.\n\nThe CFPB’s official commentary expressly distinguishes a purchaser that neither collects for others nor has collection as its principal purpose. That is not Minnesota’s charged-off-debt-buyer definition. Section 332.37(a)(12)’s incorporation of federal prohibitions also requires a separate substantive analysis; it is not a reason to collapse the two credential tests. [C050.] [U.S. Code+2](https://uscode.house.gov/us/usc/119-120/t15/s1692a/)\n\n# G. Fictional postures and four worked examples\n\n## G1. Eighteen distinct fictional postures\n\n| Posture | Facts | Result or exact hold |\n| --- | --- | --- |\n| **P01** | Retailer collects its original invoice in its own name | No “for others” predicate on those stipulated facts; false-name or other facts can change the result |\n| **P02** | Same retailer invents a name implying an outside collection firm | §332.38 must be applied; original-creditor status is not sufficient |\n| **P03** | Agency collects business invoices for clients | Commercial purpose alone does not remove state collection coverage |\n| **P04** | Purchaser buys charged-off consumer accounts and outsources every contact | Debt-buyer definition expressly addresses outsourcing |\n| **P05** | Purchaser buys performing loans for investment | Charged-off-buyer limb not established; other activity/exclusion tests remain |\n| **P06** | Assignee collects and remits most proceeds to seller | Assignment alone does not defeat “for others”; *PurCo* facts are relevant |\n| **P07** | Remote agency contracts with a Minnesota business | Physical absence is not dispositive under *PurCo* |\n| **P08** | Nonresident agency relies solely on its home-state license | Current waiver predicates and actual order remain necessary |\n| **P09** | Bank collects its own account and bears loss | Express bank conditions are stipulated; unrelated vendor not included automatically |\n| **P10** | Finance company enforces purchased unsecured claims with seller recourse | Express exception to its listed exclusion must be tested |\n| **P11** | Lawyer collects in legal practice; separate nonlawyer company also collects | Lawyer category does not automatically cover the separate company |\n| **P12** | Licensed mortgage servicer performs only licensed servicing | New scope-limited exclusion may apply; unrelated collection remains separate |\n| **P13** | Student-loan actor is exempt from servicer licensing but not licensed | Cannot assume the new “licensed” exclusion; another route may matter |\n| **P14** | Qualifying §501(c)(6) association collects member motor-fuel charges | Narrow §604.15(4a) route; §332.37 still applies |\n| **P15** | Registered employee works at home | No extra branch if §332.33(5b) conditions hold |\n| **P16** | Contractor works from the same home arrangement | Employee exception not established; classification held |\n| **P17** | Commonly controlled affiliate actively collects | Does not meet the statutory non-active affiliate condition |\n| **P18** | Applicant has a conviction; licensee’s bond also lapses | Criminal eligibility requires separate §332.35/Chapter 364 analysis; security lapse is an independent issue |\n\nThese are applications of C008–C030, not actual permission decisions.\n\n## G2. Model 1 — Initial and renewal government charges; offices versus home employees\n\n### Assumptions\n\nFictional application on March 10, 2026:\n\n- one main office;\n- two separately licensable branches;\n- six individual collectors;\n- two of the six work from home as qualifying employees;\n- no additional location, surcharge or approved waiver;\n- agency’s published full $500 investigation charge applies.\n\n### Initial charges\n\nPlain text\n```\nMain license:                         $500.00\nInitial investigation:                $500.00\nTwo branches: 2 × $500               $1,000.00\nSix collectors: 6 × $10                 $60.00\nAdditional home branches:               $0.00\n                                      --------\nIdentified government charges:      $2,060.00\n```\n\nThe $0 home-branch line follows the stipulated employee exception—not a contractor rule.\n\n### Renewal charges\n\nPlain text\n```\nThree agency/location licenses:\n3 × $400                            $1,200.00\n\nSix collector renewals:\n6 × $10                                $60.00\n                                      --------\nIdentified renewal charges:         $1,260.00\n```\n\nPremium, collateral, background-vendor charges, portal charges and organizational filing costs are not included because their amounts were not established.\n\nThe bond is **not multiplied by six collectors**. Whether separate office instruments or a commissioner-accepted multi-office arrangement are required remains an actual-instrument question; this model does not silently assume one $50,000 bond covers everything.\n\nPaying $2,060 does not authorize the agency before approval. [C053.]\n\n## G3. Model 2 — Previous-calendar-year measure and the rounding boundary\n\n### Inputs\n\nFor a fictional 2026 bond calculation:\n\n- 2025 Minnesota debtor receipts: **$840,000**.\n- Commissions earned in 2025 on those receipts: **$200,000**.\n- All other amounts excluded from this stated base.\n- No purchase-price deduction is assumed.\n\n### Public worksheet calculation\n\nPlain text\n```\nA = $840,000\nB = $200,000\nC = A − B = $640,000\n\nD = $640,000 ÷ $100,000 = 6.4\nE = 6.4 × $5,000 = $32,000\nF = $32,000 + $50,000 = $82,000\n\nWorksheet nearest-$5,000 result = $80,000.\nMaximum does not change that result.\n```\n\n**$80,000 is the published worksheet result**, not a claim that this pass has independently adjudicated every statutory fractional-increment construction.\n\n### Boundary alternatives\n\n| Net base | Worksheet intermediate F | Nearest-multiple issue |\n| --- | --- | --- |\n| $640,000 | $82,000 | Nearest $5,000 is $80,000 |\n| $650,000 | $82,500 | Exactly halfway between $80,000 and $85,000; no tie rule verified |\n| $660,000 | $83,000 | Nearest $5,000 is $85,000 |\n| $700,000 | $85,000 | Exact increment; no rounding issue |\n\nThe arithmetic threshold does not authorize choosing the lower midpoint, treating ordinary purchase cost as commission, or using current-year receipts instead of the previous calendar year.\n\nThe calculation produces a **penal sum**, not the premium or a consumer’s reimbursement. [C054.]\n\n## G4. Model 3 — Timely renewal, collector addition, and interrupted security\n\n### Assumptions\n\nOne agency license and two collectors are current through June 30, 2026.\n\n- Renewal screening occurs May 15.\n- Renewal is submitted May 20.\n- Approval for the next term occurs June 10.\n- These are deliberately nonboundary dates; no weekend/holiday filing deadline is calculated.\n- The May 15 screening is 46 elapsed days before June 30 and within the statutory 60-day window.\n- Bond requirement is stipulated at **$90,000**, supported by an exact net base of $800,000:\n50,000 + (800,000 ÷ 100,000 × 5,000) = 90,000.\n\nPlain text\n```\nAgency renewal:                     $400.00\nTwo collector renewals: 2 × $10       $20.00\n                                    -------\nRenewal government charges:         $420.00\n```\n\nA third collector is properly screened and submitted October 15:\n\nPlain text\n```\nAdditional registration:              $10.00\nTotal identified year’s charges:     $430.00\n```\n\nThe headcount change does not itself change the receipt-based bond measure.\n\n### Security branches\n\n**Continuous branch:** An actual instrument’s valid cancellation is stipulated to become effective October 1. Replacement security is accepted and effective September 20. No gap is assumed.\n\n**Adverse branch:** Replacement instead begins October 5. October 1–4 is an uncovered interval under the stipulated instruments. The ten-day change-notice provision is not a security grace period. Paying the $420 renewal charge does not cure it.\n\n**License-lapse alternative:** If the renewal were not effective and the license expired June 30, July operation would not be authorized merely because an application or fee was pending. No late/reinstatement amount is invented. [C055.]\n\n## G5. Model 4 — Maximum bond, operating money, provider outlay and aggregate losses\n\n### Bond inputs\n\nPlain text\n```\nPrevious-calendar-year Minnesota receipts: $1,400,000\nQualifying commissions:                     $200,000\nNet base:                                 $1,200,000\n\n$1,200,000 ÷ $100,000 = 12\n12 × $5,000 = $60,000\n$60,000 + $50,000 = $110,000\nApply maximum:                            $100,000\n```\n\n### Provider outlay—not the penal sum\n\nAssume one agency renewal and four collector renewals:\n\nPlain text\n```\nGovernment charges = $400 + (4 × $10) = $440.\n```\n\nLet PPP be the actual surety premium and KKK any actual collateral requirement, both unknown.\n\nPlain text\n```\nIdentified surety-route cash components = $440 + P + K.\n```\n\nThe expression is **not** $100,440 unless a particular accepted cash-security arrangement creates that cash requirement. Even then, restricted security and an expensed government charge remain different categories.\n\n### Separate collection transaction\n\nAssume a hypothetical transaction receives $12,000, with a separately stipulated lawful $2,000 agency commission and $10,000 remittance:\n\nPlain text\n```\nCustomer receipts:                 $12,000\nCommission:                         $2,000\nCreditor remittance:                $10,000\nUnremitted balance:                     $0\n\n$12,000 − $2,000 − $10,000 = $0.\n```\n\nThis is not consumer-fee authority or a completed trust-control analysis. It only prevents confusing remitted client money with premium, collateral or bond capacity. No creditor principal balance is inferred beyond the stipulated remittance.\n\n### Aggregate hypothetical losses\n\nSuppose the actual issued instrument contains the public form’s continuing aggregate limit and two separately proven covered losses are assumed solely for illustration:\n\nPlain text\n```\nLoss A:                             $60,000\nLoss B:                             $55,000\nTotal:                             $115,000\nBond penal sum:                    $100,000\nArithmetic excess:                  $15,000\n```\n\nNo claimant allocation, priority, defense or automatic payment is decided. The form does not provide $100,000 separately for each claimant or reset the same continuing obligation every year. [C056.]\n\n# H. Source register\n\n**Access convention:** “Fresh” means retrieved during the October 27, 2026 session. Individual fetch timestamps were not exposed. Multiple sections within one enactment are not independent corroborating authorities. Public PDFs were read as text and relevant pages visually inspected.\n\n| Source ID | Issuer and complete HTTPS URL | Actual read scope; version/effect/access limit |\n| --- | --- | --- |\n| **S_MN-P10-S001** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.31](https://www.revisor.mn.gov/statutes/cite/332.31?utm_source=chatgpt.com) | Fresh full definitions, especially subds. 2, 3, 6, 8, 9. 2025 display. |\n| **S_MN-P10-S002** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.32](https://www.revisor.mn.gov/statutes/cite/332.32?utm_source=chatgpt.com) | Fresh full displayed exclusions and 2026 warning. Requires S019 overlay. |\n| **S_MN-P10-S003** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.33](https://www.revisor.mn.gov/statutes/cite/332.33?utm_source=chatgpt.com) | Fresh complete operative licensing/registration body, subds. 1–9. |\n| **S_MN-P10-S004** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.34](https://www.revisor.mn.gov/statutes/cite/332.34?utm_source=chatgpt.com) | Fresh complete bond statute and history. |\n| **S_MN-P10-S005** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.35](https://www.revisor.mn.gov/statutes/cite/332.35?utm_source=chatgpt.com) | Fresh complete disqualifier text and civil-judgment limitation. |\n| **S_MN-P10-S006** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.355](https://www.revisor.mn.gov/statutes/cite/332.355?utm_source=chatgpt.com) | Fresh complete responsibility provision. |\n| **S_MN-P10-S007** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.38](https://www.revisor.mn.gov/statutes/cite/332.38?utm_source=chatgpt.com) | Fresh complete anti-evasion/false-name provision. |\n| **S_MN-P10-S008** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.3352](https://www.revisor.mn.gov/statutes/cite/332.3352?utm_source=chatgpt.com) | Fresh complete waiver conditions. No actual order/agreement obtained. |\n| **S_MN-P10-S009** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.37](https://www.revisor.mn.gov/statutes/cite/332.37?utm_source=chatgpt.com) | Fresh relevant clauses, especially (a)(2), (9), (12), (16), (23), and (b). Full communications/conduct analysis deferred. |\n| **S_MN-P10-S010** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.385](https://www.revisor.mn.gov/statutes/cite/332.385?utm_source=chatgpt.com) | Fresh complete violation-based termination-notice rule. |\n| **S_MN-P10-S011** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.40](https://www.revisor.mn.gov/statutes/cite/332.40?utm_source=chatgpt.com) | Fresh licensing-related examination, investigation and sanction provisions. |\n| **S_MN-P10-S012** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.42](https://www.revisor.mn.gov/statutes/cite/332.42?utm_source=chatgpt.com) | Fresh financial-report, books and retention provisions; full conduct/record sufficiency deferred. |\n| **S_MN-P10-S013** | Revisor — [https://www.revisor.mn.gov/statutes/cite/45.027](https://www.revisor.mn.gov/statutes/cite/45.027?utm_source=chatgpt.com) | Fresh targeted licensing/sanction provisions, especially subds. 5a and 7. Not complete general enforcement analysis. |\n| **S_MN-P10-S014** | Revisor — [https://www.revisor.mn.gov/statutes/cite/604.15](https://www.revisor.mn.gov/statutes/cite/604.15?utm_source=chatgpt.com) | Fresh definitions and subd. 4a, with necessary surrounding motor-fuel provisions. No fee calculation imported. |\n| **S_MN-P10-S015** | Revisor — [https://www.revisor.mn.gov/statutes/cite/58.02](https://www.revisor.mn.gov/statutes/cite/58.02?utm_source=chatgpt.com) and [https://www.revisor.mn.gov/statutes/cite/58.04](https://www.revisor.mn.gov/statutes/cite/58.04?utm_source=chatgpt.com) | Fresh servicing definitions and licensing/exemption provisions. Selected Chapter 58 bodies, not full mortgage dossier. |\n| **S_MN-P10-S016** | Revisor — [https://www.revisor.mn.gov/statutes/cite/58B.02](https://www.revisor.mn.gov/statutes/cite/58B.02?utm_source=chatgpt.com) and [https://www.revisor.mn.gov/statutes/cite/58B.03](https://www.revisor.mn.gov/statutes/cite/58B.03?utm_source=chatgpt.com) | Fresh necessary borrower/service/license predicates and exemptions. Other 2026 sector amendments not certified. |\n| **S_MN-P10-S017** | Revisor — [https://www.revisor.mn.gov/statutes/cite/364.03](https://www.revisor.mn.gov/statutes/cite/364.03) and [https://www.revisor.mn.gov/statutes/cite/364.09](https://www.revisor.mn.gov/statutes/cite/364.09) | Fresh operative rehabilitation relationship/factors and complete exception body. 2025 subd. 3 requires S018 overlay. |\n| **S_MN-P10-S018** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0](https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0) | Fresh article 9 §2, adjacent §3, express effective clauses and signature. Effective May 19, 2026; not entire act. |\n| **S_MN-P10-S019** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0?utm_source=chatgpt.com) | Fresh complete article 1 §57 and boundary with §58. Enacted exclusion addition. Act-level classification retains identified prior reviewed context. |\n| **S_MN-P10-S020** | Revisor — [https://www.revisor.mn.gov/statutes/cite/645.02](https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com) | Fresh complete operative default dates and 12:01 a.m. rule. |\n| **S_MN-P10-S021** | House Public Information — [https://www.house.mn.gov/NewLaws/story/2026/5756](https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com) | Fresh Chapter 124 date statement, especially line 240. Official secondary chronology, not enacted wording. |\n| **S_MN-P10-S022** | Revisor — [https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026](https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com) | Fresh targeted Chapter 332 index entries. Regular-session index only. |\n| **S_MN-P10-S023** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2010/0/384/](https://www.revisor.mn.gov/laws/2010/0/384/?utm_source=chatgpt.com) | Fresh §94 and express bond applicability; adjacent historical exemption distinguished. |\n| **S_MN-P10-S024** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2014/0/222/](https://www.revisor.mn.gov/laws/2014/0/222/?utm_source=chatgpt.com) | Fresh selected art. 1 §§55–58 and related art. 2 changes/signature. Current rule repeal established; exact historical date chain held. |\n| **S_MN-P10-S025** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2021/1/4/](https://www.revisor.mn.gov/laws/2021/1/4/?utm_source=chatgpt.com) | Fresh selected art. 5 §§1–18 and related boundaries/effective clauses. Not complete omnibus act. |\n| **S_MN-P10-S026** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2022/0/70/](https://www.revisor.mn.gov/laws/2022/0/70/?utm_source=chatgpt.com) | Fresh §§1–2 and express June 1, 2022 date. |\n| **S_MN-P10-S027** | Legislature/Revisor — [https://www.revisor.mn.gov/laws/2024/0/114/](https://www.revisor.mn.gov/laws/2024/0/114/?utm_source=chatgpt.com) | Fresh art. 1 §17(a), art. 3 §68, adjacent effective clauses, title/date searches and signature. Exact historical transition date held. |\n| **S_MN-P10-S028** | Revisor rules — [https://www.revisor.mn.gov/rules/2870/full](https://www.revisor.mn.gov/rules/2870/full) | Fresh complete displayed repeal notices/history. No repealed operative rule used as current. |\n| **S_MN-P10-S029** | Commerce — [https://mn.gov/commerce/licensing/list/business/collections/](https://mn.gov/commerce/licensing/list/business/collections/?utm_source=chatgpt.com) | Fresh public application, renewal, screening, fees and update instructions. No substantive revision date; transactional account not entered. |\n| **S_MN-P10-S030** | Commerce — [https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf](https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf?utm_source=chatgpt.com) | Fresh complete three-page undated FAQ; visually inspected. Guidance, not statutory replacement. |\n| **S_MN-P10-S031** | Commerce — [https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf](https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf?utm_source=chatgpt.com) | Fresh complete one-page form, dated 8-2021; visually inspected. |\n| **S_MN-P10-S032** | Commerce — [https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf](https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf?utm_source=chatgpt.com) | Fresh complete two-page undated corporate/LLC bond and worksheet; both pages visually inspected. |\n| **S_MN-P10-S033** | Commerce — [https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf](https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf?utm_source=chatgpt.com) | Fresh two-page undated sole-proprietor bond/worksheet; relevant page visually inspected. Not an employee personal-bond requirement. |\n| **S_MN-P10-S034** | Commerce — [https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf](https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf?utm_source=chatgpt.com) | Fresh two-page undated partnership bond/worksheet; relevant page visually inspected. |\n| **S_MN-P10-S035** | Commerce — [https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf](https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf?utm_source=chatgpt.com) | Fresh complete one-page undated financial statement; visually inspected. |\n| **S_MN-P10-S036** | Commerce — [https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf](https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf?utm_source=chatgpt.com) | Fresh complete one-page August 2023 form; visually inspected. |\n| **S_MN-P10-S037** | Commerce — [https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf](https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf?utm_source=chatgpt.com) | Fresh complete one-page January 2021 form; actual page heading controls over retrieval metadata. |\n| **S_MN-P10-S038** | Sircon — [https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp](https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp?utm_source=chatgpt.com) and [https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y](https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y&utm_source=chatgpt.com) | Fresh public landing/inquiry route. Limited rendered selector; no account, identifier or entity search. |\n| **S_MN-P10-S039** | Commerce — [https://mn.gov/commerce/licensing/license-lookup/](https://mn.gov/commerce/licensing/license-lookup/?utm_source=chatgpt.com) | Fresh agency/collector lookup links and scope description. No named result. |\n| **S_MN-P10-S040** | Commerce — [https://mn.gov/commerce/consumer/file-a-complaint/](https://mn.gov/commerce/consumer/file-a-complaint/?utm_source=chatgpt.com) | Fresh complaint instructions and Collections & Debt route. No submission. |\n| **S_MN-P10-S041** | Minnesota Court of Appeals — [https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf](https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf?utm_source=chatgpt.com) | Fresh official 22-page precedential *PurCo* opinion, Nov. 24, 2025; operative analysis/disposition read; relevant pages visually inspected. |\n| **S_MN-P10-S042** | Published opinion republication — [https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html](https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html) | Fresh *Nichols*, 468 N.W.2d 84, particularly pp. 85–87. Official image not obtained; no complete citator. |\n| **S_MN-P10-S043** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692a/](https://uscode.house.gov/us/usc/119-120/t15/s1692a/) | Fresh relevant definitions, especially (4)–(6). Text through October 7, 2026. |\n| **S_MN-P10-S044** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/2/](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com) | Fresh (g)–(i) and relevant official interpretations. Recovered after eCFR failure; no broader Regulation F review. |\n| **S_MN-P10-S045** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.44](https://www.revisor.mn.gov/statutes/cite/332.44?utm_source=chatgpt.com) | Fresh complete rulemaking-authority paragraph. Authority does not revive repealed rules. |\n| **S_MN-P10-S046** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.3351](https://www.revisor.mn.gov/statutes/cite/332.3351?utm_source=chatgpt.com) | Fresh current repeal notice; old exemption not reused. |\n| **S_MN-P10-S047** | House Public Information — [https://www.house.mn.gov/NewLaws/consolidated/2024](https://www.house.mn.gov/NewLaws/consolidated/2024) | Fresh Chapter 114 summary around lines 346–354. Broad January 1 statement distinguished from section-specific enacted text. |\n\n## Retrieval limits and bounded searches\n\nThe eCFR route\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.2\nfailed. S044 recovered the relevant official CFPB body.\n\nThe historical House route\nhttps://www.house.mn.gov/NewLaws/consolidated/2014\nwas inaccessible. The enacted 2014 statute and current rule repeal notices were read; no historical effective date was guessed from the failed page.\n\n*PurCo* was first located through public republications, then recovered from the official court archive. Those are one opinion, not independent authorities. *Nichols* remained a disclosed republication.\n\nBounded searches covered exact statute/rule numbers and terms including collection licensing, debt buyers, reciprocity, bond calculation, exclusions and published opinions, using official Revisor, Commerce and court sources. Nonfinal recommendations, unpublished opinions, complaints and proposed bills were not adopted as controlling law. No complete citator, all-order inventory or later-enactment certificate is claimed.\n\n# I. Atomic claim register\n\n“High—text” means the opened body supports the proposition within its stated version. “Conditional” requires facts or interpretation. “Held” identifies missing authority or implementation evidence.\n\n| Claim | Actor/predicate, required step/clock and effect | Sources/pinpoints | Confidence/limits |\n| --- | --- | --- | --- |\n| **C001** | Currentness is limited to retrieved 2025 displays, 2026 overlays and targeted index | S001–S028 | High as version finding |\n| **C002** | Licensed servicer exclusion added effective Aug. 1, 2026, 12:01 a.m. | S019 §57; S020–S021 | High narrow finding |\n| **C003** | Debt-buyer/affiliate changes have selected Aug. 1, 2021 effect and historical Jan. 2022 transition | S025 art.5; S003(1) | High—text; no current general continuation |\n| **C004** | Employee remote-location exception effective June 1, 2022 | S026 §§1–2 | High—text |\n| **C005** | Old reciprocity exclusion repealed; current order-based provision controls | S008,S027,S046 | Current status high; exact historical transition held |\n| **C006** | Chapter2870 operative provisions displayed as repealed | S024 art.1§58; S028 | High; broader rules sweep not certified |\n| **C007** | Bond formula applies to bonds obtained/renewed after Jan. 1, 2011 | S023 §94 | High—express applicability |\n| **C008** | Collection for others and debt buyers are separate definition routes | S001(3),(8) | High—text |\n| **C009** | State definition has no general consumer-purpose or nondefault exclusion | S001(3),(8) | High textual distinction |\n| **C010** | Charged-off purchaser remains included when outsourcing or hiring lawyers | S001(8) | High—text; actual exclusions still matter |\n| **C011** | Pretended assignments and misleading third-party names trigger anti-evasion provision | S007 | High—text |\n| **C012** | *PurCo* establishes stated assignment, indebtedness and Minnesota-nexus holdings | S041 pp.8–22 | Precedential; facts and review limits preserved |\n| **C013** | Individual collector registration is distinct from entity licensing | S001(6); S003(1),(5a) | High—text; contractor route held |\n| **C014** | Affiliate single-license route requires all four conditions and listing | S001(9); S003(9); S031 | High—text; active affiliate fails definition |\n| **C015** | Bank exclusion requires own accounts and bank loss exposure | S002(a) | High—text |\n| **C016** | Other listed categories are actual actor exclusions, not label-based vendor exemptions | S002(a) | Conditional application |\n| **C017** | Loan/finance exclusion has purchased-unsecured-claim/seller-recourse exception | S002(a) | High—text |\n| **C018** | Trade-association route requires §604.15(4a) facts; §332.37 survives | S002(b); S014(4a) | High—text |\n| **C019** | New servicer route requires actual license and licensed activity scope | S019; S015–S016 | High—text |\n| **C020** | State entity exclusion does not automatically establish individual, vendor or federal exclusion | S001–S003; S043–S044 | Conditional boundary |\n| **C021** | Nonresident waiver needs commissioner order, effective agreement and good standing | S008 | High—text; no actual order found |\n| **C022** | Entity must obtain license; qualifying individual may begin on prescribed submission | S003(1),(5a); S029 | High—text |\n| **C023** | Per-location licensing has a conditional employee-location exception | S003(3),(5b) | High—text; contractors not automatically included |\n| **C024** | Statutory agency/renewal/individual charges are $500/$400/$10 | S003(3) | High—text |\n| **C025** | Investigation cap is $500; current main application instruction totals $1,000 | S003(4); S029 application§7 | Statute and procedure distinguished |\n| **C026** | June30 expiration; no verified general grace/reinstatement amount | S003(2)–(3); S029 renewal | Expiry high; missing fees/procedure held |\n| **C027** | Initial collector screening has specified national, attorney and five-year county searches | S003(8)(a)–(b) | High—text |\n| **C028** | Renewal screening uses specified searches, ≤60-day window and limited first-renewal exception | S003(8)(c)–(d) | High—text |\n| **C029** | §332.35 lists five-year matters and a narrow civil-judgment limitation | S005 | High—text; Chapter364 interaction preserved |\n| **C030** | Chapter364 relationship/rehabilitation must be considered with 2026 overlay | S017–S018 | Text high; applicant harmonization held |\n| **C031** | Business DBA and one additional approved individual assumed name are distinct | S003(1); S009(a)(16) | High—text |\n| **C032** | Company/individual changes require specified ten-day notices | S003(7); S036–S037 | High—text; notice not blanket transfer approval |\n| **C033** | Violation-based termination triggers ten-day notice | S010 | High—text; not every termination |\n| **C034** | Financial/management investigation and regulatory examination powers apply | S003(4); S011–S013 | High gateway finding |\n| **C035** | Agency/debt buyer and individual have statutory responsibility | S006 | High—text |\n| **C036** | No current fixed capital amount or collector examination/CE requirement established in read materials | S003,S028–S029,S035 | Bounded finding, not universal absence |\n| **C037** | Bond uses prior-calendar-year MN receipts less specified earned commissions, $50k–$100k | S004 | High—text |\n| **C038** | Public worksheet rounds nearest$5k; statute does not expressly prescribe rounding | S004; S032 p.2 | Discrepancy preserved; midpoint held |\n| **C039** | Initial zero-base minimum and cash substitute are conditional on actual facts/approval | S004 | High text; no universal predecessor assumption |\n| **C040** | Public forms identify authorized surety, principal, office and covered obligation | S032–S034 p.1 | Form evidence; actual instrument absent |\n| **C041** | Public form claim route and aggregate limit do not promise automatic payout | S032–S034 clauses1–3,5 | Form-only application |\n| **C042** | Form cancellation is30days after notice sent, preserving earlier liability | S032–S034 clause4 | Actual notice/instrument required |\n| **C043** | Continuous-security duty and regulatory consequences are separate from renewal payment | S004,S011,S013 | High duty; no automatic sanction invented |\n| **C044** | Multi-office bond allocation and debt-buyer commission treatment remain unresolved | S004; S032–S035 | Held |\n| **C045** | Penal sum, premium, collateral, receipts and covered loss are different | S004; forms; examples | Analytical distinction |\n| **C046** | Current public procedure uses Sircon; transactional applications were not entered | S029,S038 | High access finding |\n| **C047** | Public forms/FAQ have stated versions and limitations | S030–S037 | Fresh read, not current acceptance certification |\n| **C048** | Lookup route verified, not result fields or named status | S038–S039 | Partial public usability |\n| **C049** | Complaint route exists; no complaint or debt-validity finding | S040 | High route-only finding |\n| **C050** | Federal FDCPA/RegF actor tests differ from state credentials | S043(4)–(6); S044(g)–(i) | Narrow comparison; full federal coverage held |\n| **C051** | *Nichols* limits the historical surety claim on its repossession facts | S042 pp.85–87 | Published republication; not universal current exemption |\n| **C052** | Bounded search is not complete case/order/later-law certification | Research record | Express limit |\n| **C053** | M01 reconciles $2,060 initial and $1,260 renewal charges on its facts | M01; C023–C025 | Conditional arithmetic |\n| **C054** | M02 separates worksheet result from unresolved midpoint construction | M02; C037–C038 | Conditional calculation |\n| **C055** | M03 separates $430 charges, headcount and uninterrupted security | M03; C026–C028,C043 | Hypothetical dates/status |\n| **C056** | M04 separates $100k bond, $440 charges, variables and $115k losses | M04; C037,C041,C045 | No recovery allocation |\n| **C057** | Postures test distinct facts without actual eligibility | G1 | Hypothetical only |\n| **C058** | Statute/rule/form discrepancies remain expressly identified | F1 and sources there | No invented resolution |\n| **C059** | P01 remaining-state statement and current inventory are separate provenance records | Supplied context | No fabricated original collection row |\n| **C060** | Licensure does not prove debt validity, standing or method legality | Scope of credential authorities | No actual claim adjudicated |\n| **C061** | No broader state/local/tribal or parent acceptance follows | Scope limits | Express hold |\n| **C062** | No numeric “materiality,” proration or missing-charge assumption is supplied | Read fee/security materials | Unknown remains unknown |\n| **C063** | No current reciprocal order, accepted actual bond or private status was verified | S008,S032–S039 | Explicit evidence gap |\n| **C064** | P09 and earlier debt-relief security formulas are not premises | Research scope | Provenance preserved |\n\n# J. Granular coverage and exact next evidence\n\n| Requested issue | Status | Claims/models | Missing evidence or next action |\n| --- | --- | --- | --- |\n| Collection-agency definition | **Answered** | C008 | Actual conduct for application |\n| Individual collector definition | **Answered** | C013 | Actual duties and relationship |\n| Debt-buyer charged-off predicate | **Answered** | C010 | Actual acquisition/status/purpose |\n| Passive outsourced buyer | **Answered textually** | C010 | Any genuine exclusion/affiliate facts |\n| Performing-debt purchaser | **Partial application** | C008–C010 | Ownership, beneficiary, servicing and exclusion facts |\n| Original-creditor own-name collection | **Answered conditionally** | C011 | Genuine ownership/no false third-party impression |\n| Sham assignment/false name | **Answered** | C011 | Actual arrangement/communications |\n| Collection systems/forms | **Answered textually** | C008 | Actual system representations |\n| Holding out/preparatory solicitation | **Unresolved at margin** | B1 | Actual conduct and responsive construction |\n| Consumer versus commercial | **Answered gateway distinction** | C009 | Full conduct rules remain separate |\n| Default timing | **Answered distinction** | C009–C010,C050 | Actual charged-off/default facts |\n| Minnesota-business nexus | **Answered with precedent** | C012 | Actual contract and activities |\n| Minnesota-transaction nexus | **Answered with precedent** | C012 | Actual origin of obligation |\n| Remote/nonresident business | **Answered conditionally** | C021 | Actual waiver or licensing |\n| Current reciprocal agreement/order | **Unverified** | C021,C063 | Effective agreement and commissioner order |\n| Bank exclusion | **Answered textually** | C015 | Bank status, own debt and loss exposure |\n| Abstract escrow exclusion | **Answered textually** | C016 | Actual actor/activity |\n| Real-estate broker exclusion | **Answered textually** | C016 | Actual legal status/activity |\n| Public officer/court-order categories | **Answered textually** | C016 | Actual office/order |\n| Lawyer versus separate company | **Partial application** | C016,C020 | Actual actor/practice/entity facts |\n| Trust/insurance/credit-union/savings categories | **Answered textually** | C016 | Actual institution status |\n| Loan/finance recourse exception | **Answered** | C017 | Purchase, unsecured status, seller recourse |\n| Motor-fuel trade association | **Answered narrowly** | C018 | §501(c)(6), member retailer and authorized services |\n| Licensed mortgage-servicer exclusion | **Answered with 2026 overlay** | C019 | Actual license and scope |\n| Licensed student-loan-servicer exclusion | **Answered with overlay** | C019 | Same |\n| License-exempt but unlicensed servicer | **Partial** | C020 | Alternative actual exclusion |\n| Generic nonprofit claim | **No blanket exclusion established** | C016,C020 | Specific statutory route |\n| Employee versus contractor | **Partial** | C013,C023 | Actual employment/agency and filing treatment |\n| Affiliates | **Answered textually** | C014 | All four conditions and listing |\n| Main/branch licensing | **Answered** | C023 | Actual places of business |\n| Home/other employee location | **Answered conditionally** | C023 | §5b compliance facts |\n| Entity approval versus individual submission | **Answered** | C022 | Actual filing/approval events |\n| Historical debt-buyer transition | **Answered as historical** | C003 | No present general continuation inferred |\n| Initial financial/management qualification | **Answered narrowly** | C034 | Actual financial and management records |\n| Statutory disqualifiers | **Answered with qualification** | C029–C030 | Individual Chapter364 harmonization |\n| 2026 rehabilitation amendment | **Answered textually/date** | C030 | Actual rehabilitation/present-fitness record |\n| Initial background checks | **Answered** | C027 | Actual compliant screening |\n| Renewal screening/window | **Answered** | C028 | Actual date and residence history |\n| Fixed training/exam/minimum-capital claim | **Not established** | C036 | Any specific current operative requirement |\n| Agency/individual/branch fees | **Answered** | C024–C025 | Actual number/type of credentials |\n| Initial investigation charge | **Answered distinction** | C025 | Actual assessed charge if different from public instruction |\n| Proration | **Unverified** | C026,C062 | Current operative authority/instruction |\n| Late/reinstatement fee and process | **Unverified** | C026 | Current accepted procedure and charge |\n| Transfer/amendment/nonresident surcharge | **Unverified** | C062 | Applicable current authority; not assumed zero |\n| June30 renewal/expiration | **Answered** | C026 | Actual credential status |\n| Individual assumed name | **Answered** | C031 | Actual approval |\n| Company DBA/name/address/ownership | **Answered** | C031–C032 | Actual notices/documents and separate approvals |\n| Ownership-form10% field | **Answered as form limitation** | C047,C058 | No statutory safe harbor inferred |\n| Violation-based termination notice | **Answered** | C033 | Actual reason/date |\n| Death/probate transfer | **Answered narrowly** | C032 | Actual probate authority |\n| Agency/collector responsibility | **Answered** | C035 | Actual conduct |\n| Inspection/financial statement/retention | **Answered gateway-only** | C034 | Full records/compliance dossier deferred |\n| Bond amount/base/period | **Answered textually** | C037 | Actual qualifying receipts/commissions |\n| Initial bond with zero prior receipts | **Answered conditionally** | C039 | Predecessor/acquired-business facts |\n| Bond rounding | **Partial** | C038,M02 | Authoritative midpoint/fractional interpretation |\n| Collector-count change | **Answered: not bond base** | M03 | Fees/registration still apply |\n| Multi-location instruments | **Unresolved** | C044 | Accepted bond coverage and allocation |\n| Debt-buyer commission deductions | **Unresolved application** | C044 | Actual earned-commission basis and regulator interpretation |\n| Cross-year reversals/midyear adjustment | **Unresolved** | C037,C044 | Current calculation instruction |\n| Surety qualification/cash alternative | **Answered textually** | C039–C040 | Actual authorized surety/approved deposit |\n| Principal/beneficiary/condition | **Public form read** | C040–C041 | Actual executed instrument |\n| Continuity/cancellation | **Answered form/statute distinction** | C042–C043 | Actual notice and replacement dates |\n| Lapse/suspension consequence | **Answered gateway-only** | C043 | Actual regulator action/procedure |\n| Aggregate versus per-claim limit | **Answered form-only** | C041,M04 | Actual bond and claim facts |\n| Premium/collateral/government fees | **Separated** | C045 | Actual quote/contract |\n| Limited surety claim predicate | **Answered with limits** | C041,C051 | Full litigation/priority/defenses deferred |\n| Current Sircon public procedure | **Answered publicly; account boundary retained** | C046 | Authenticated field/attachment verification not performed |\n| Current lookup usability/result fields | **Partial** | C048 | Public current result description or lawful generic demonstration |\n| Actual provider/collector status | **Not searched** | C063 | Not authorized by this request |\n| Public complaint route | **Answered** | C049 | No submission |\n| 2010 bond applicability | **Answered** | C007 | None for stated clause |\n| 2014 rule repeal/current codification | **Answered current status; historical date limited** | C006 | Complete original date chain if historical liability matters |\n| 2021 definitions/transition | **Answered** | C003 | No broader act certification |\n| 2022 remote-location amendment | **Answered** | C004 | None within selected sections |\n| 2024 reciprocity transition date | **Held** | C005,C058 | Section-specific effective-date reconciliation |\n| 2026 collection exclusion | **Answered narrowly** | C002 | Complete later-law sweep remains separate |\n| Published *PurCo* construction | **Read** | C012 | Complete subsequent-history check not performed |\n| Published *Nichols* limitation | **Read via republication** | C051 | Official image/current extension/citator not established |\n| Binding administrative interpretations | **No additional responsive final construction adopted** | C052 | Exact final order/body if relied upon |\n| P01 contribution crosswalk | **Preserved below** | C059 | No invented original row |\n| M01 initial/renewal composition | **Completed** | C053 | Assumptions essential |\n| M02 threshold/rounding | **Completed with hold** | C054 | Midpoint remains unresolved |\n| M03 renewal/security interruption | **Completed conditionally** | C055 | No real filing deadline |\n| M04 bond/outlay/loss separation | **Completed conditionally** | C056 | No payout or allocation decision |\n| P01–P18 fictional postures | **Completed individually** | G1 | No actual actor authorization |\n| FDCPA/RegF actor comparison | **Answered narrowly** | C050 | Full federal coverage/conduct deferred |\n| Debt-relief fees/agreements/trust/referrals/CROA | **Deferred** | C064 | Separate earlier components |\n| Collection communications/validation/evidence | **Deferred** | C061 | Separate substantive dimension |\n| Service/default/vacatur/limitations/judgment | **Deferred** | C061 | Separate procedural dimension |\n| Wage/bank/other-property enforcement | **Deferred** | C061 | Separate enforcement dimension |\n| Secured and sector-specific rules | **Deferred except narrow boundary** | C051,C061 | Actual activity and governing law |\n| Local/tribal/sovereign/territorial questions | **Unresolved/deferred** | C061 | Specific connections and authority |\n| Full remedies/surety priority/subrogation | **Deferred** | C041,C061 | Separate remedies dossier |\n| State parent/A066/A097/A098 acceptance | **Not established** | C061 | Remaining dimensions remain open |\n\n# K. Contribution crosswalk—no fabricated P01 collection row\n\n| Documented basis | Original status/scope preserved | PASS-10 contribution |\n| --- | --- | --- |\n| P01 same-coordinator scoped review, October 25, 2026, 06:05:22.078169Z | Provider/fee component; “every remaining state, contract, sector, local and tribal category” retained | Fresh collection credential/security gateway findings only |\n| Current component inventory | collection_conduct_documentation_reporting remains **unaccepted** | This pass addresses only its credential-related gateway, not the entire dimension |\n| S_MN parent assignment | Separately requires collection licensing and original-creditor versus third-party coverage | Definitions, exclusions, public procedure and security analyzed with stated holds |\n| P01–P08 | Existing separate scopes, review limits and provenance | Not rewritten or expanded by implication |\n| P09 | Saved but **unreviewed** | Not used as a premise; no DMP/settlement custody or bond formula imported |\n\n# L. Researcher self-check and disposition\n\n**Actually read:** The relevant current Chapter 332 bodies, necessary exclusion and qualification cross-references, selected enacted amendments, current repeal notices, public Commerce procedures and blank forms, the official *PurCo* opinion, the published *Nichols* body through a disclosed republication, and the narrow federal definitions comparison. Relevant PDF pages were visually inspected.\n\n**Not established:** An actual actor’s exclusion or credential, current reciprocal-waiver order, accepted issued bond, complete public reinstatement procedure, a midpoint bond-rounding rule, multi-location bond allocation, every debt-buyer commission deduction, full criminal-history eligibility analysis, or complete later-law/citator coverage.\n\nThe four examples distinguish government charges, bond penal amounts, unknown private costs, collection receipts, creditor remittances and assumed losses. None treats payment of a charge, submission of an application, ownership of a debt or possession of a bond as permission to conduct every collection activity.\n\n**Bottom line:** Minnesota’s collection credential gateway is broader than a simple “third-party consumer collector” label. Charged-off purchasers, remote activities, assigned claims, employees, affiliates and new servicer exclusions require their own predicates. The principal statutory and public-procedure framework is documented here; the stated interpretation and implementation gaps remain open.\n\nNo actual permission, state-parent completion, independent review, A066, A097 or A098 acceptance is claimed.\n\n**END S_MN PASS-10**\n\n","tables":[{"headers":["Actor/activity","State credential analysis","Required fact or unresolved boundary"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor/activity","State credential analysis","Required fact or unresolved boundary"],["Third-party collection agency","A person in the business of collecting an account, bill, or other indebtedness for others falls within §332.31(3), subject to exclusions.","Identify the actual collection business and beneficiary—not merely the contract title."],["Charged-off debt buyer","Included in “collection agency or licensee”; purchasing charged-off debt for collection is sufficient even if collection is outsourced.","Actual purchase, charged-off status, collection purpose, and any genuine exclusion."],["Passive purchaser using another agency or lawyers","Outsourcing does not remove the debt-buyer definition.","A qualifying non-active affiliated company may use the distinct single-license provision; that is not universal exemption."],["Purchaser of performing/noncharged-off debt","Does not satisfy the charged-off-debt limb merely because it purchased a receivable.","Test “for others,” actual servicing, exclusions, and anti-evasion provisions."],["Original creditor collecting its genuine own debt in its own name","Ordinarily outside the “for others” limb and not a charged-off-debt purchaser on those facts.","An assignment, third-party beneficiary, fictitious name, or separate affiliate can change the analysis."],["Assignee remitting collections to the original holder","Assignment ownership does not necessarily defeat “for others.”","Actual economic and contractual arrangement; PurCo is directly relevant."],["Individual collector","A person collecting under an agency’s or debt buyer’s authority is separately addressed by the registration provisions.","Employer/licensee relationship, actual duties, and prescribed submission."],["Independent contractor","Calling a collector a contractor does not establish exclusion from §332.33(1).","The employee submission and remote-work provisions do not automatically establish a contractor’s filing route or branch exception."],["Collection-system or form supplier","The definition expressly includes the specified systems/forms simulating agency collection, even when payment goes directly to the creditor.","Actual names, representations and services supplied."],["General advertiser or preparatory solicitation","Chapter 332’s collection gateway is not written identically to the debt-relief chapters’ broad offer/advertising clauses.","No blanket permission for pre-license solicitation is established; actual conduct of collection business or simulated collection must be tested."],["Affiliate","A single-license route exists only for companies meeting all four statutory affiliate conditions.","Common control alone is insufficient."],["Property recovery/repossessor","Pure property recovery and monetary collection must be distinguished.","No universal secured-activity exclusion is announced; Nichols is historical and limited."]]},{"headers":["Nexus fact","Result established"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Nexus fact","Result established"],["Agency physically operates in Minnesota","Ordinary §332.33 business-location inquiry applies."],["Remote agency collects for a Minnesota business","The published PurCo holding addresses this nexus."],["Debt originates in a Minnesota transaction","PurCo also addresses this basis."],["Debtor is currently located in Minnesota","Material to several provisions, especially the bond’s receipt base; it is not the exclusive possible licensing nexus."],["Debtor, creditor and transaction all outside Minnesota","No conclusion is made merely because a company has unrelated Minnesota business."],["Nonresident agency has another state’s license","That license alone is not Minnesota authority."],["Reciprocity is claimed","Current §332.3352 requires the stated agreement, good standing and commissioner order."],["Tribal, sovereign, federal or local special status is claimed","No blanket resolution; actual status, territory and governing authority remain separate."]]},{"headers":["Listed category","Actual statutory qualification or boundary","What is not established merely by the label"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Listed category","Actual statutory qualification or boundary","What is not established merely by the label"],["Bank","Collecting accounts owed to the bank and the bank bears the loss if uncollectible","A bank-affiliated marketer, outside collection vendor, or nominal account ownership does not automatically qualify"],["Abstract company","Doing an escrow business","Every service offered by a title-related company"],["Real-estate broker","Listed category","That any entity using “real estate” in its name is a broker or that other regimes disappear"],["Public officer","Listed category","A private contractor’s public-client relationship"],["Person acting under court order","Actual court-order predicate","Merely anticipating litigation or possessing a private collection contract"],["Lawyer","Listed category","Automatic extension to a nonlawyer agency, purchaser, affiliate or vendor"],["Trust company","Listed category","A business that merely maintains a trust account"],["Insurance company","Listed category","An insurance-related service vendor"],["Credit union","Listed category","A company using a credit union’s banking services"],["Savings association","Listed category","Every lender or purchaser"],["Loan or finance company","Exclusion does not apply to the specified enforcement of purchased unsecured claims with recourse to the seller for all or part if uncollected","Universal exclusion for every debt purchaser calling itself a finance company"],["Qualifying trade association","Services authorized by §604.15(4a): the specified IRS-recognized §501(c)(6) association acting for member retailers in the motor-fuel context","Generic nonprofit collection activity; §332.37 remains expressly applicable"],["Licensed residential mortgage servicer","New §332.32(c): Chapter 58 license and activities subject to that licensure","Merely being exempt from Chapter 58 licensing, or conducting unrelated collection"],["Licensed student-loan servicer","New §332.32(c): Chapter 58B license and activities subject to that licensure","Merely being a loan owner, federal contractor, or license-exempt institution"]]},{"headers":["Actor/event","Required step, trigger or clock","Consequence/limit"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor/event","Required step, trigger or clock","Consequence/limit"],["New agency/debt buyer","Apply for and obtain agency license before conducting covered Minnesota business","Filing or paying alone is insufficient"],["Historical debt-buyer transition","Statute required application no later than January 1, 2022; the separate continuation sentence applies to applications filed before that date and still pending","Not a current general pending-application privilege"],["Individual collector","Licensed employer submits prescribed application and verification","Individual may begin on submission unless Commerce advises ineligibility"],["First company license, then collector submission","Current Commerce procedure requires agency approval first","Individual submission cannot bootstrap an unlicensed company"],["Additional office","Separate license for each place of business, except the statutory employee-location rule","One company identity does not automatically cover every office"],["Employee working elsewhere/home","§332.33(5b) requires compliance with requirements that would apply at the licensed location","No additional branch license for a qualifying location"],["Contractor working from home","Employee exception is not automatically applicable","Actual status and licensing/location treatment remain held"],["Qualified affiliates","Single license and examination if all statutory conditions are met and names are listed","Active collectors do not satisfy the affiliate definition merely through common ownership"],["Company name/address/ownership change","Written notice no later than ten days after change","Not the same as initial approval or a universal permission to transfer the license"],["Individual name/address/assumed-name change","Written notice within ten days","Additional assumed name still requires registration and approval"],["Violation-based employee termination","Notify Commerce within ten days if termination is based wholly or partly on a chapter violation","Not an invented statutory ten-day rule for every departure"],["Death of licensee","Statutory executor/administrator route for unexpired term under probate-court direction","Not ordinary unrestricted transferability"],["June 30 expiration","Agency licenses and individual registrations expire annually","No verified grace period or payment-only reinstatement permission"]]},{"headers":["Stage","Required screening"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Stage","Required screening"],["Initial","At hiring, before submission: national criminal search, attorney-licensing search, and county criminal searches for all counties of residence during the preceding five years"],["Renewal","National criminal search and counties of residence during the immediately preceding year"],["Timing","Renewal screening no more than 60 days before expiration or renewal"],["First-renewal exception","No renewal screening required if initial screening occurred within 12 months of the first renewal"],["Later renewals","Annual renewal screening required"],["Vendor and procedures","Statute uses National Association of Professional Background Screeners or equivalent; Commerce currently refers to Professional Background Screening Association or equivalent. Licensee procedures remain reviewable."]]},{"headers":["Item","Verified amount or rule","Source strength and limitation"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Item","Verified amount or rule","Source strength and limitation"],["Agency license","$500","Statute, §332.33(3)"],["Initial investigation","Actual initial expense, not exceeding $500","Statute, §332.33(4)"],["Initial main-office application as currently instructed","$1,000 total: $500 license + $500 investigation","Commerce operating instruction"],["Initial branch application","$500 per branch","Commerce instruction; underlying per-place license rule"],["Agency/branch renewal","$400 per license","Statute and Commerce"],["Individual initial registration","$10 per collector","Statute and Commerce"],["Individual renewal","$10 per collector","Statute and Commerce"],["Qualifying employee home location","No additional branch license required","Statute; not a contractor exemption"],["Proration, late filing, reinstatement, transfer, amendment or nonresident surcharge","Not verified","Unknown is not zero; no amount imported from repealed rules"],["Background-vendor price, Sircon transaction charge, premium or collateral","Not determined","Private/portal cost not inferred from government fee"],["General education-provider fees under Chapter 45","Not added","Those are not established collection-license charges"]]},{"headers":["Public material","Version evidence","Read finding"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Public material","Version evidence","Read finding"],["Commerce collection page","Undated substantive page; accessed October 27, 2026","Initial/renewal instructions and update routes read"],["Debt-buyer FAQ","Undated, three pages","Same collection-agency license; buyer-specific explanations; not a separate license type"],["Affiliate notification","8-2021, one page","Four conditions, electronic-record listing, not DBA/branch notification"],["Corporation/LLC bond","Undated, two pages","Instrument and calculation worksheet read"],["Sole-proprietor bond","Undated, two pages","“Individual” means the business principal form, not a separate personal bond for each employee collector"],["Partnership bond","Undated, two pages","Partnership execution and same worksheet structure"],["Financial statement","Undated, one page","Asset/liability/net-worth fields; purchased accounts at purchase price for that form"],["Individual name-change form","8-2023, one page","Ten-day instruction, legal supporting documents and certification"],["Ownership-change form","1-2021, one page","Listed ownership/control persons and changes; its 10% owner field is not a statutory safe harbor for all smaller changes"]]},{"headers":["Term","Actual public-form content","Limit"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Term","Actual public-form content","Limit"],["Principal and office","Named agency and the office covered","Does not prove one instrument covers all branches"],["Surety","Corporate surety authorized to conduct insurance business in Minnesota","Actual authorization/instrument not checked"],["Obligee/benefit","Commerce/State and persons damaged by covered failures","Not automatic consumer payment"],["Condition","Compliance with covered collection obligations","Actual covered loss remains necessary"],["Claim gateway","Commissioner or damaged person may pursue the stated action in the injured party’s name","Full surety litigation and defenses deferred"],["Duration","Continuing until cancellation under the form","Not reset automatically each license year"],["Cancellation","Written notice to obligee; effective 30 days after notice is sent","Not a certified-mail requirement borrowed from another bond form; no real deadline computed"],["Earlier liability","Preserved despite later cancellation","Does not extend to all later conduct"],["Aggregate limit","One continuing penal limit regardless of years or claim count","Not a separate full limit per claimant"],["Claim-payment notice","Surety must notify Commerce before paying","No actual claim or payout evaluated"]]},{"headers":["Category","Distinction"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Category","Distinction"],["Penal sum","Maximum stated bond obligation, subject to coverage and instrument terms"],["Premium","Surety’s price; not the penal sum"],["Collateral","Separate surety-required security, if any"],["Approved cash substitute","Restricted security accepted under §332.34"],["Government fee","Licensing/registration charge"],["Customer receipt/remittance","Collection transaction, not bond funding or premium"],["Covered loss","Proven loss within the applicable obligation—not automatically the face value of debt or bond"]]},{"headers":["Material","What was established","Remaining limit"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","What was established","Remaining limit"],["Current Chapter 332 displays","Retrieved 2025 bodies, including specific 2026 warning on §332.32","Not a fully consolidated October 2026 certificate"],["2010 ch.384 §94","Current bond measure; bonds obtained/renewed after January 1, 2011","No retroactive application to older instruments assumed"],["2014 ch.222","Selected registration/name provisions and express repeal of Chapter 2870 parts read","Exact historical effective-date chain not fully certified; electronic publication date is not legal effectiveness"],["2021 first special session ch.4, art.5","Debt-buyer definition/inclusion, affiliates and related provisions; selected clauses expressly effective August 1, 2021","January 2022 transition is historical, not a current blanket pending privilege"],["2022 ch.70 §§1–2","Employee remote-location exception, expressly effective June 1, 2022","No contractor extension inferred"],["2024 ch.114","Former §332.3351 repeal and new §332.3352 order-based waiver read","Precise historical transition date held; see discrepancy below"],["2026 ch.124 art.1 §57","Licensed mortgage/student-loan-servicer exclusion effective August 1, 2026, 12:01 a.m.","Actual licensure/scope not established"],["2026 ch.97 art.9 §2","Revised rehabilitation rule effective May 19, 2026","Individual eligibility/harmonization remains held"],["Federal definition source","Official USC text through Public Law 119-120, October 7, 2026","No later federal-law certificate"],["Regulation F","Current CFPB official definitions and interpretations read after the eCFR route failed","Exact consolidated eCFR currency metadata not recovered"]]},{"headers":["Issue","Authoritative distinction"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Authoritative distinction"],["Old Chapter 2870 requirements","Repealed; do not reuse historic charges or filing rules"],["Former out-of-state exemption","Repealed; current waiver requires order/agreement/good standing"],["Bond rounding","Worksheet supplies nearest-$5,000 instruction; statute does not expressly state rounding"],["Bond endpoint citation","Public forms still cite .45; current law cannot be replaced by that stale reference"],["Branch language in public FAQ","Must be read with the later statutory employee home-location exception"],["Background-screening association name","Statute and current page use different names; both allow an equivalent vendor"],["Affiliate names","Statute says listed on license; current form describes electronic record listing"],["Initial main-office fee","Statute authorizes $500 license plus investigation up to $500; agency page currently instructs a full $1,000"],["Civil-judgment background questions","A broad disclosure question is not itself proof that every judgment disqualifies under §332.35"],["Ownership form’s 10% field","Does not replace the statute’s general ownership-change notice requirement"]]},{"headers":["Posture","Facts","Result or exact hold"],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Facts","Result or exact hold"],["P01","Retailer collects its original invoice in its own name","No “for others” predicate on those stipulated facts; false-name or other facts can change the result"],["P02","Same retailer invents a name implying an outside collection firm","§332.38 must be applied; original-creditor status is not sufficient"],["P03","Agency collects business invoices for clients","Commercial purpose alone does not remove state collection coverage"],["P04","Purchaser buys charged-off consumer accounts and outsources every contact","Debt-buyer definition expressly addresses outsourcing"],["P05","Purchaser buys performing loans for investment","Charged-off-buyer limb not established; other activity/exclusion tests remain"],["P06","Assignee collects and remits most proceeds to seller","Assignment alone does not defeat “for others”; PurCo facts are relevant"],["P07","Remote agency contracts with a Minnesota business","Physical absence is not dispositive under PurCo"],["P08","Nonresident agency relies solely on its home-state license","Current waiver predicates and actual order remain necessary"],["P09","Bank collects its own account and bears loss","Express bank conditions are stipulated; unrelated vendor not included automatically"],["P10","Finance company enforces purchased unsecured claims with seller recourse","Express exception to its listed exclusion must be tested"],["P11","Lawyer collects in legal practice; separate nonlawyer company also collects","Lawyer category does not automatically cover the separate company"],["P12","Licensed mortgage servicer performs only licensed servicing","New scope-limited exclusion may apply; unrelated collection remains separate"],["P13","Student-loan actor is exempt from servicer licensing but not licensed","Cannot assume the new “licensed” exclusion; another route may matter"],["P14","Qualifying §501(c)(6) association collects member motor-fuel charges","Narrow §604.15(4a) route; §332.37 still applies"],["P15","Registered employee works at home","No extra branch if §332.33(5b) conditions hold"],["P16","Contractor works from the same home arrangement","Employee exception not established; classification held"],["P17","Commonly controlled affiliate actively collects","Does not meet the statutory non-active affiliate condition"],["P18","Applicant has a conviction; licensee’s bond also lapses","Criminal eligibility requires separate §332.35/Chapter 364 analysis; security lapse is an independent issue"]]},{"headers":["Net base","Worksheet intermediate F","Nearest-multiple issue"],"index":12,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Net base","Worksheet intermediate F","Nearest-multiple issue"],["$640,000","$82,000","Nearest $5,000 is $80,000"],["$650,000","$82,500","Exactly halfway between $80,000 and $85,000; no tie rule verified"],["$660,000","$83,000","Nearest $5,000 is $85,000"],["$700,000","$85,000","Exact increment; no rounding issue"]]},{"headers":["Source ID","Issuer and complete HTTPS URL","Actual read scope; version/effect/access limit"],"index":13,"links":[{"href":"https://www.revisor.mn.gov/statutes/cite/332.31?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.31"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.32?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.32"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.33?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.33"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.34?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.34"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.35?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.35"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.355?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.355"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.38?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.38"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.3352?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.3352"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.37?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.37"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.385?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.385"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.40?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.40"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.42?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.42"},{"href":"https://www.revisor.mn.gov/statutes/cite/45.027?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/45.027"},{"href":"https://www.revisor.mn.gov/statutes/cite/604.15?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/604.15"},{"href":"https://www.revisor.mn.gov/statutes/cite/58.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58.02"},{"href":"https://www.revisor.mn.gov/statutes/cite/58.04?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58.04"},{"href":"https://www.revisor.mn.gov/statutes/cite/58B.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58B.02"},{"href":"https://www.revisor.mn.gov/statutes/cite/58B.03?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58B.03"},{"href":"https://www.revisor.mn.gov/statutes/cite/364.03","text":"https://www.revisor.mn.gov/statutes/cite/364.03"},{"href":"https://www.revisor.mn.gov/statutes/cite/364.09","text":"https://www.revisor.mn.gov/statutes/cite/364.09"},{"href":"https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0","text":"https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0"},{"href":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0"},{"href":"https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/645.02"},{"href":"https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com","text":"https://www.house.mn.gov/NewLaws/story/2026/5756"},{"href":"https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026"},{"href":"https://www.revisor.mn.gov/laws/2010/0/384/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2010/0/384/"},{"href":"https://www.revisor.mn.gov/laws/2014/0/222/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2014/0/222/"},{"href":"https://www.revisor.mn.gov/laws/2021/1/4/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2021/1/4/"},{"href":"https://www.revisor.mn.gov/laws/2022/0/70/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2022/0/70/"},{"href":"https://www.revisor.mn.gov/laws/2024/0/114/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2024/0/114/"},{"href":"https://www.revisor.mn.gov/rules/2870/full","text":"https://www.revisor.mn.gov/rules/2870/full"},{"href":"https://mn.gov/commerce/licensing/list/business/collections/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/licensing/list/business/collections/"},{"href":"https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf"},{"href":"https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf"},{"href":"https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp?utm_source=chatgpt.com","text":"https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp"},{"href":"https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y&utm_source=chatgpt.com","text":"https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y"},{"href":"https://mn.gov/commerce/licensing/license-lookup/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/licensing/license-lookup/"},{"href":"https://mn.gov/commerce/consumer/file-a-complaint/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/consumer/file-a-complaint/"},{"href":"https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf?utm_source=chatgpt.com","text":"https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf"},{"href":"https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html","text":"https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.44?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.44"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.3351?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.3351"},{"href":"https://www.house.mn.gov/NewLaws/consolidated/2024","text":"https://www.house.mn.gov/NewLaws/consolidated/2024"}],"row_links":[[],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.31?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.31"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.32?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.32"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.33?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.33"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.34?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.34"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.35?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.35"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.355?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.355"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.38?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.38"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.3352?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.3352"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.37?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.37"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.385?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.385"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.40?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.40"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.42?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.42"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/45.027?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/45.027"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/604.15?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/604.15"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/58.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58.02"},{"href":"https://www.revisor.mn.gov/statutes/cite/58.04?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58.04"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/58B.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58B.02"},{"href":"https://www.revisor.mn.gov/statutes/cite/58B.03?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/58B.03"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/364.03","text":"https://www.revisor.mn.gov/statutes/cite/364.03"},{"href":"https://www.revisor.mn.gov/statutes/cite/364.09","text":"https://www.revisor.mn.gov/statutes/cite/364.09"}],[{"href":"https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0","text":"https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0"}],[{"href":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/645.02"}],[{"href":"https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com","text":"https://www.house.mn.gov/NewLaws/story/2026/5756"}],[{"href":"https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026"}],[{"href":"https://www.revisor.mn.gov/laws/2010/0/384/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2010/0/384/"}],[{"href":"https://www.revisor.mn.gov/laws/2014/0/222/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2014/0/222/"}],[{"href":"https://www.revisor.mn.gov/laws/2021/1/4/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2021/1/4/"}],[{"href":"https://www.revisor.mn.gov/laws/2022/0/70/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2022/0/70/"}],[{"href":"https://www.revisor.mn.gov/laws/2024/0/114/?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/laws/2024/0/114/"}],[{"href":"https://www.revisor.mn.gov/rules/2870/full","text":"https://www.revisor.mn.gov/rules/2870/full"}],[{"href":"https://mn.gov/commerce/licensing/list/business/collections/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/licensing/list/business/collections/"}],[{"href":"https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf"}],[{"href":"https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf"}],[{"href":"https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp?utm_source=chatgpt.com","text":"https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp"},{"href":"https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y&utm_source=chatgpt.com","text":"https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y"}],[{"href":"https://mn.gov/commerce/licensing/license-lookup/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/licensing/license-lookup/"}],[{"href":"https://mn.gov/commerce/consumer/file-a-complaint/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/consumer/file-a-complaint/"}],[{"href":"https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf?utm_source=chatgpt.com","text":"https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf"}],[{"href":"https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html","text":"https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/2/"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.44?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.44"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.3351?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.3351"}],[{"href":"https://www.house.mn.gov/NewLaws/consolidated/2024","text":"https://www.house.mn.gov/NewLaws/consolidated/2024"}]],"rows":[["Source ID","Issuer and complete HTTPS URL","Actual read scope; version/effect/access limit"],["S_MN-P10-S001","Revisor — https://www.revisor.mn.gov/statutes/cite/332.31","Fresh full definitions, especially subds. 2, 3, 6, 8, 9. 2025 display."],["S_MN-P10-S002","Revisor — https://www.revisor.mn.gov/statutes/cite/332.32","Fresh full displayed exclusions and 2026 warning. Requires S019 overlay."],["S_MN-P10-S003","Revisor — https://www.revisor.mn.gov/statutes/cite/332.33","Fresh complete operative licensing/registration body, subds. 1–9."],["S_MN-P10-S004","Revisor — https://www.revisor.mn.gov/statutes/cite/332.34","Fresh complete bond statute and history."],["S_MN-P10-S005","Revisor — https://www.revisor.mn.gov/statutes/cite/332.35","Fresh complete disqualifier text and civil-judgment limitation."],["S_MN-P10-S006","Revisor — https://www.revisor.mn.gov/statutes/cite/332.355","Fresh complete responsibility provision."],["S_MN-P10-S007","Revisor — https://www.revisor.mn.gov/statutes/cite/332.38","Fresh complete anti-evasion/false-name provision."],["S_MN-P10-S008","Revisor — https://www.revisor.mn.gov/statutes/cite/332.3352","Fresh complete waiver conditions. No actual order/agreement obtained."],["S_MN-P10-S009","Revisor — https://www.revisor.mn.gov/statutes/cite/332.37","Fresh relevant clauses, especially (a)(2), (9), (12), (16), (23), and (b). Full communications/conduct analysis deferred."],["S_MN-P10-S010","Revisor — https://www.revisor.mn.gov/statutes/cite/332.385","Fresh complete violation-based termination-notice rule."],["S_MN-P10-S011","Revisor — https://www.revisor.mn.gov/statutes/cite/332.40","Fresh licensing-related examination, investigation and sanction provisions."],["S_MN-P10-S012","Revisor — https://www.revisor.mn.gov/statutes/cite/332.42","Fresh financial-report, books and retention provisions; full conduct/record sufficiency deferred."],["S_MN-P10-S013","Revisor — https://www.revisor.mn.gov/statutes/cite/45.027","Fresh targeted licensing/sanction provisions, especially subds. 5a and 7. Not complete general enforcement analysis."],["S_MN-P10-S014","Revisor — https://www.revisor.mn.gov/statutes/cite/604.15","Fresh definitions and subd. 4a, with necessary surrounding motor-fuel provisions. No fee calculation imported."],["S_MN-P10-S015","Revisor — https://www.revisor.mn.gov/statutes/cite/58.02 and https://www.revisor.mn.gov/statutes/cite/58.04","Fresh servicing definitions and licensing/exemption provisions. Selected Chapter 58 bodies, not full mortgage dossier."],["S_MN-P10-S016","Revisor — https://www.revisor.mn.gov/statutes/cite/58B.02 and https://www.revisor.mn.gov/statutes/cite/58B.03","Fresh necessary borrower/service/license predicates and exemptions. Other 2026 sector amendments not certified."],["S_MN-P10-S017","Revisor — https://www.revisor.mn.gov/statutes/cite/364.03 and https://www.revisor.mn.gov/statutes/cite/364.09","Fresh operative rehabilitation relationship/factors and complete exception body. 2025 subd. 3 requires S018 overlay."],["S_MN-P10-S018","Legislature/Revisor — https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0","Fresh article 9 §2, adjacent §3, express effective clauses and signature. Effective May 19, 2026; not entire act."],["S_MN-P10-S019","Legislature/Revisor — https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0","Fresh complete article 1 §57 and boundary with §58. Enacted exclusion addition. Act-level classification retains identified prior reviewed context."],["S_MN-P10-S020","Revisor — https://www.revisor.mn.gov/statutes/cite/645.02","Fresh complete operative default dates and 12:01 a.m. rule."],["S_MN-P10-S021","House Public Information — https://www.house.mn.gov/NewLaws/story/2026/5756","Fresh Chapter 124 date statement, especially line 240. Official secondary chronology, not enacted wording."],["S_MN-P10-S022","Revisor — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Fresh targeted Chapter 332 index entries. Regular-session index only."],["S_MN-P10-S023","Legislature/Revisor — https://www.revisor.mn.gov/laws/2010/0/384/","Fresh §94 and express bond applicability; adjacent historical exemption distinguished."],["S_MN-P10-S024","Legislature/Revisor — https://www.revisor.mn.gov/laws/2014/0/222/","Fresh selected art. 1 §§55–58 and related art. 2 changes/signature. Current rule repeal established; exact historical date chain held."],["S_MN-P10-S025","Legislature/Revisor — https://www.revisor.mn.gov/laws/2021/1/4/","Fresh selected art. 5 §§1–18 and related boundaries/effective clauses. Not complete omnibus act."],["S_MN-P10-S026","Legislature/Revisor — https://www.revisor.mn.gov/laws/2022/0/70/","Fresh §§1–2 and express June 1, 2022 date."],["S_MN-P10-S027","Legislature/Revisor — https://www.revisor.mn.gov/laws/2024/0/114/","Fresh art. 1 §17(a), art. 3 §68, adjacent effective clauses, title/date searches and signature. Exact historical transition date held."],["S_MN-P10-S028","Revisor rules — https://www.revisor.mn.gov/rules/2870/full","Fresh complete displayed repeal notices/history. No repealed operative rule used as current."],["S_MN-P10-S029","Commerce — https://mn.gov/commerce/licensing/list/business/collections/","Fresh public application, renewal, screening, fees and update instructions. No substantive revision date; transactional account not entered."],["S_MN-P10-S030","Commerce — https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf","Fresh complete three-page undated FAQ; visually inspected. Guidance, not statutory replacement."],["S_MN-P10-S031","Commerce — https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf","Fresh complete one-page form, dated 8-2021; visually inspected."],["S_MN-P10-S032","Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf","Fresh complete two-page undated corporate/LLC bond and worksheet; both pages visually inspected."],["S_MN-P10-S033","Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf","Fresh two-page undated sole-proprietor bond/worksheet; relevant page visually inspected. Not an employee personal-bond requirement."],["S_MN-P10-S034","Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf","Fresh two-page undated partnership bond/worksheet; relevant page visually inspected."],["S_MN-P10-S035","Commerce — https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf","Fresh complete one-page undated financial statement; visually inspected."],["S_MN-P10-S036","Commerce — https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf","Fresh complete one-page August 2023 form; visually inspected."],["S_MN-P10-S037","Commerce — https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf","Fresh complete one-page January 2021 form; actual page heading controls over retrieval metadata."],["S_MN-P10-S038","Sircon — https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp and https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y","Fresh public landing/inquiry route. Limited rendered selector; no account, identifier or entity search."],["S_MN-P10-S039","Commerce — https://mn.gov/commerce/licensing/license-lookup/","Fresh agency/collector lookup links and scope description. No named result."],["S_MN-P10-S040","Commerce — https://mn.gov/commerce/consumer/file-a-complaint/","Fresh complaint instructions and Collections & Debt route. No submission."],["S_MN-P10-S041","Minnesota Court of Appeals — https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf","Fresh official 22-page precedential PurCo opinion, Nov. 24, 2025; operative analysis/disposition read; relevant pages visually inspected."],["S_MN-P10-S042","Published opinion republication — https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html","Fresh Nichols, 468 N.W.2d 84, particularly pp. 85–87. Official image not obtained; no complete citator."],["S_MN-P10-S043","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692a/","Fresh relevant definitions, especially (4)–(6). Text through October 7, 2026."],["S_MN-P10-S044","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","Fresh (g)–(i) and relevant official interpretations. Recovered after eCFR failure; no broader Regulation F review."],["S_MN-P10-S045","Revisor — https://www.revisor.mn.gov/statutes/cite/332.44","Fresh complete rulemaking-authority paragraph. Authority does not revive repealed rules."],["S_MN-P10-S046","Revisor — https://www.revisor.mn.gov/statutes/cite/332.3351","Fresh current repeal notice; old exemption not reused."],["S_MN-P10-S047","House Public Information — https://www.house.mn.gov/NewLaws/consolidated/2024","Fresh Chapter 114 summary around lines 346–354. Broad January 1 statement distinguished from section-specific enacted text."]]},{"headers":["Claim","Actor/predicate, required step/clock and effect","Sources/pinpoints","Confidence/limits"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Actor/predicate, required step/clock and effect","Sources/pinpoints","Confidence/limits"],["C001","Currentness is limited to retrieved 2025 displays, 2026 overlays and targeted index","S001–S028","High as version finding"],["C002","Licensed servicer exclusion added effective Aug. 1, 2026, 12:01 a.m.","S019 §57; S020–S021","High narrow finding"],["C003","Debt-buyer/affiliate changes have selected Aug. 1, 2021 effect and historical Jan. 2022 transition","S025 art.5; S003(1)","High—text; no current general continuation"],["C004","Employee remote-location exception effective June 1, 2022","S026 §§1–2","High—text"],["C005","Old reciprocity exclusion repealed; current order-based provision controls","S008,S027,S046","Current status high; exact historical transition held"],["C006","Chapter2870 operative provisions displayed as repealed","S024 art.1§58; S028","High; broader rules sweep not certified"],["C007","Bond formula applies to bonds obtained/renewed after Jan. 1, 2011","S023 §94","High—express applicability"],["C008","Collection for others and debt buyers are separate definition routes","S001(3),(8)","High—text"],["C009","State definition has no general consumer-purpose or nondefault exclusion","S001(3),(8)","High textual distinction"],["C010","Charged-off purchaser remains included when outsourcing or hiring lawyers","S001(8)","High—text; actual exclusions still matter"],["C011","Pretended assignments and misleading third-party names trigger anti-evasion provision","S007","High—text"],["C012","PurCo establishes stated assignment, indebtedness and Minnesota-nexus holdings","S041 pp.8–22","Precedential; facts and review limits preserved"],["C013","Individual collector registration is distinct from entity licensing","S001(6); S003(1),(5a)","High—text; contractor route held"],["C014","Affiliate single-license route requires all four conditions and listing","S001(9); S003(9); S031","High—text; active affiliate fails definition"],["C015","Bank exclusion requires own accounts and bank loss exposure","S002(a)","High—text"],["C016","Other listed categories are actual actor exclusions, not label-based vendor exemptions","S002(a)","Conditional application"],["C017","Loan/finance exclusion has purchased-unsecured-claim/seller-recourse exception","S002(a)","High—text"],["C018","Trade-association route requires §604.15(4a) facts; §332.37 survives","S002(b); S014(4a)","High—text"],["C019","New servicer route requires actual license and licensed activity scope","S019; S015–S016","High—text"],["C020","State entity exclusion does not automatically establish individual, vendor or federal exclusion","S001–S003; S043–S044","Conditional boundary"],["C021","Nonresident waiver needs commissioner order, effective agreement and good standing","S008","High—text; no actual order found"],["C022","Entity must obtain license; qualifying individual may begin on prescribed submission","S003(1),(5a); S029","High—text"],["C023","Per-location licensing has a conditional employee-location exception","S003(3),(5b)","High—text; contractors not automatically included"],["C024","Statutory agency/renewal/individual charges are $500/$400/$10","S003(3)","High—text"],["C025","Investigation cap is $500; current main application instruction totals $1,000","S003(4); S029 application§7","Statute and procedure distinguished"],["C026","June30 expiration; no verified general grace/reinstatement amount","S003(2)–(3); S029 renewal","Expiry high; missing fees/procedure held"],["C027","Initial collector screening has specified national, attorney and five-year county searches","S003(8)(a)–(b)","High—text"],["C028","Renewal screening uses specified searches, ≤60-day window and limited first-renewal exception","S003(8)(c)–(d)","High—text"],["C029","§332.35 lists five-year matters and a narrow civil-judgment limitation","S005","High—text; Chapter364 interaction preserved"],["C030","Chapter364 relationship/rehabilitation must be considered with 2026 overlay","S017–S018","Text high; applicant harmonization held"],["C031","Business DBA and one additional approved individual assumed name are distinct","S003(1); S009(a)(16)","High—text"],["C032","Company/individual changes require specified ten-day notices","S003(7); S036–S037","High—text; notice not blanket transfer approval"],["C033","Violation-based termination triggers ten-day notice","S010","High—text; not every termination"],["C034","Financial/management investigation and regulatory examination powers apply","S003(4); S011–S013","High gateway finding"],["C035","Agency/debt buyer and individual have statutory responsibility","S006","High—text"],["C036","No current fixed capital amount or collector examination/CE requirement established in read materials","S003,S028–S029,S035","Bounded finding, not universal absence"],["C037","Bond uses prior-calendar-year MN receipts less specified earned commissions, $50k–$100k","S004","High—text"],["C038","Public worksheet rounds nearest$5k; statute does not expressly prescribe rounding","S004; S032 p.2","Discrepancy preserved; midpoint held"],["C039","Initial zero-base minimum and cash substitute are conditional on actual facts/approval","S004","High text; no universal predecessor assumption"],["C040","Public forms identify authorized surety, principal, office and covered obligation","S032–S034 p.1","Form evidence; actual instrument absent"],["C041","Public form claim route and aggregate limit do not promise automatic payout","S032–S034 clauses1–3,5","Form-only application"],["C042","Form cancellation is30days after notice sent, preserving earlier liability","S032–S034 clause4","Actual notice/instrument required"],["C043","Continuous-security duty and regulatory consequences are separate from renewal payment","S004,S011,S013","High duty; no automatic sanction invented"],["C044","Multi-office bond allocation and debt-buyer commission treatment remain unresolved","S004; S032–S035","Held"],["C045","Penal sum, premium, collateral, receipts and covered loss are different","S004; forms; examples","Analytical distinction"],["C046","Current public procedure uses Sircon; transactional applications were not entered","S029,S038","High access finding"],["C047","Public forms/FAQ have stated versions and limitations","S030–S037","Fresh read, not current acceptance certification"],["C048","Lookup route verified, not result fields or named status","S038–S039","Partial public usability"],["C049","Complaint route exists; no complaint or debt-validity finding","S040","High route-only finding"],["C050","Federal FDCPA/RegF actor tests differ from state credentials","S043(4)–(6); S044(g)–(i)","Narrow comparison; full federal coverage held"],["C051","Nichols limits the historical surety claim on its repossession facts","S042 pp.85–87","Published republication; not universal current exemption"],["C052","Bounded search is not complete case/order/later-law certification","Research record","Express limit"],["C053","M01 reconciles $2,060 initial and $1,260 renewal charges on its facts","M01; C023–C025","Conditional arithmetic"],["C054","M02 separates worksheet result from unresolved midpoint construction","M02; C037–C038","Conditional calculation"],["C055","M03 separates $430 charges, headcount and uninterrupted security","M03; C026–C028,C043","Hypothetical dates/status"],["C056","M04 separates $100k bond, $440 charges, variables and $115k losses","M04; C037,C041,C045","No recovery allocation"],["C057","Postures test distinct facts without actual eligibility","G1","Hypothetical only"],["C058","Statute/rule/form discrepancies remain expressly identified","F1 and sources there","No invented resolution"],["C059","P01 remaining-state statement and current inventory are separate provenance records","Supplied context","No fabricated original collection row"],["C060","Licensure does not prove debt validity, standing or method legality","Scope of credential authorities","No actual claim adjudicated"],["C061","No broader state/local/tribal or parent acceptance follows","Scope limits","Express hold"],["C062","No numeric “materiality,” proration or missing-charge assumption is supplied","Read fee/security materials","Unknown remains unknown"],["C063","No current reciprocal order, accepted actual bond or private status was verified","S008,S032–S039","Explicit evidence gap"],["C064","P09 and earlier debt-relief security formulas are not premises","Research scope","Provenance preserved"]]},{"headers":["Requested issue","Status","Claims/models","Missing evidence or next action"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested issue","Status","Claims/models","Missing evidence or next action"],["Collection-agency definition","Answered","C008","Actual conduct for application"],["Individual collector definition","Answered","C013","Actual duties and relationship"],["Debt-buyer charged-off predicate","Answered","C010","Actual acquisition/status/purpose"],["Passive outsourced buyer","Answered textually","C010","Any genuine exclusion/affiliate facts"],["Performing-debt purchaser","Partial application","C008–C010","Ownership, beneficiary, servicing and exclusion facts"],["Original-creditor own-name collection","Answered conditionally","C011","Genuine ownership/no false third-party impression"],["Sham assignment/false name","Answered","C011","Actual arrangement/communications"],["Collection systems/forms","Answered textually","C008","Actual system representations"],["Holding out/preparatory solicitation","Unresolved at margin","B1","Actual conduct and responsive construction"],["Consumer versus commercial","Answered gateway distinction","C009","Full conduct rules remain separate"],["Default timing","Answered distinction","C009–C010,C050","Actual charged-off/default facts"],["Minnesota-business nexus","Answered with precedent","C012","Actual contract and activities"],["Minnesota-transaction nexus","Answered with precedent","C012","Actual origin of obligation"],["Remote/nonresident business","Answered conditionally","C021","Actual waiver or licensing"],["Current reciprocal agreement/order","Unverified","C021,C063","Effective agreement and commissioner order"],["Bank exclusion","Answered textually","C015","Bank status, own debt and loss exposure"],["Abstract escrow exclusion","Answered textually","C016","Actual actor/activity"],["Real-estate broker exclusion","Answered textually","C016","Actual legal status/activity"],["Public officer/court-order categories","Answered textually","C016","Actual office/order"],["Lawyer versus separate company","Partial application","C016,C020","Actual actor/practice/entity facts"],["Trust/insurance/credit-union/savings categories","Answered textually","C016","Actual institution status"],["Loan/finance recourse exception","Answered","C017","Purchase, unsecured status, seller recourse"],["Motor-fuel trade association","Answered narrowly","C018","§501(c)(6), member retailer and authorized services"],["Licensed mortgage-servicer exclusion","Answered with 2026 overlay","C019","Actual license and scope"],["Licensed student-loan-servicer exclusion","Answered with overlay","C019","Same"],["License-exempt but unlicensed servicer","Partial","C020","Alternative actual exclusion"],["Generic nonprofit claim","No blanket exclusion established","C016,C020","Specific statutory route"],["Employee versus contractor","Partial","C013,C023","Actual employment/agency and filing treatment"],["Affiliates","Answered textually","C014","All four conditions and listing"],["Main/branch licensing","Answered","C023","Actual places of business"],["Home/other employee location","Answered conditionally","C023","§5b compliance facts"],["Entity approval versus individual submission","Answered","C022","Actual filing/approval events"],["Historical debt-buyer transition","Answered as historical","C003","No present general continuation inferred"],["Initial financial/management qualification","Answered narrowly","C034","Actual financial and management records"],["Statutory disqualifiers","Answered with qualification","C029–C030","Individual Chapter364 harmonization"],["2026 rehabilitation amendment","Answered textually/date","C030","Actual rehabilitation/present-fitness record"],["Initial background checks","Answered","C027","Actual compliant screening"],["Renewal screening/window","Answered","C028","Actual date and residence history"],["Fixed training/exam/minimum-capital claim","Not established","C036","Any specific current operative requirement"],["Agency/individual/branch fees","Answered","C024–C025","Actual number/type of credentials"],["Initial investigation charge","Answered distinction","C025","Actual assessed charge if different from public instruction"],["Proration","Unverified","C026,C062","Current operative authority/instruction"],["Late/reinstatement fee and process","Unverified","C026","Current accepted procedure and charge"],["Transfer/amendment/nonresident surcharge","Unverified","C062","Applicable current authority; not assumed zero"],["June30 renewal/expiration","Answered","C026","Actual credential status"],["Individual assumed name","Answered","C031","Actual approval"],["Company DBA/name/address/ownership","Answered","C031–C032","Actual notices/documents and separate approvals"],["Ownership-form10% field","Answered as form limitation","C047,C058","No statutory safe harbor inferred"],["Violation-based termination notice","Answered","C033","Actual reason/date"],["Death/probate transfer","Answered narrowly","C032","Actual probate authority"],["Agency/collector responsibility","Answered","C035","Actual conduct"],["Inspection/financial statement/retention","Answered gateway-only","C034","Full records/compliance dossier deferred"],["Bond amount/base/period","Answered textually","C037","Actual qualifying receipts/commissions"],["Initial bond with zero prior receipts","Answered conditionally","C039","Predecessor/acquired-business facts"],["Bond rounding","Partial","C038,M02","Authoritative midpoint/fractional interpretation"],["Collector-count change","Answered: not bond base","M03","Fees/registration still apply"],["Multi-location instruments","Unresolved","C044","Accepted bond coverage and allocation"],["Debt-buyer commission deductions","Unresolved application","C044","Actual earned-commission basis and regulator interpretation"],["Cross-year reversals/midyear adjustment","Unresolved","C037,C044","Current calculation instruction"],["Surety qualification/cash alternative","Answered textually","C039–C040","Actual authorized surety/approved deposit"],["Principal/beneficiary/condition","Public form read","C040–C041","Actual executed instrument"],["Continuity/cancellation","Answered form/statute distinction","C042–C043","Actual notice and replacement dates"],["Lapse/suspension consequence","Answered gateway-only","C043","Actual regulator action/procedure"],["Aggregate versus per-claim limit","Answered form-only","C041,M04","Actual bond and claim facts"],["Premium/collateral/government fees","Separated","C045","Actual quote/contract"],["Limited surety claim predicate","Answered with limits","C041,C051","Full litigation/priority/defenses deferred"],["Current Sircon public procedure","Answered publicly; account boundary retained","C046","Authenticated field/attachment verification not performed"],["Current lookup usability/result fields","Partial","C048","Public current result description or lawful generic demonstration"],["Actual provider/collector status","Not searched","C063","Not authorized by this request"],["Public complaint route","Answered","C049","No submission"],["2010 bond applicability","Answered","C007","None for stated clause"],["2014 rule repeal/current codification","Answered current status; historical date limited","C006","Complete original date chain if historical liability matters"],["2021 definitions/transition","Answered","C003","No broader act certification"],["2022 remote-location amendment","Answered","C004","None within selected sections"],["2024 reciprocity transition date","Held","C005,C058","Section-specific effective-date reconciliation"],["2026 collection exclusion","Answered narrowly","C002","Complete later-law sweep remains separate"],["Published PurCo construction","Read","C012","Complete subsequent-history check not performed"],["Published Nichols limitation","Read via republication","C051","Official image/current extension/citator not established"],["Binding administrative interpretations","No additional responsive final construction adopted","C052","Exact final order/body if relied upon"],["P01 contribution crosswalk","Preserved below","C059","No invented original row"],["M01 initial/renewal composition","Completed","C053","Assumptions essential"],["M02 threshold/rounding","Completed with hold","C054","Midpoint remains unresolved"],["M03 renewal/security interruption","Completed conditionally","C055","No real filing deadline"],["M04 bond/outlay/loss separation","Completed conditionally","C056","No payout or allocation decision"],["P01–P18 fictional postures","Completed individually","G1","No actual actor authorization"],["FDCPA/RegF actor comparison","Answered narrowly","C050","Full federal coverage/conduct deferred"],["Debt-relief fees/agreements/trust/referrals/CROA","Deferred","C064","Separate earlier components"],["Collection communications/validation/evidence","Deferred","C061","Separate substantive dimension"],["Service/default/vacatur/limitations/judgment","Deferred","C061","Separate procedural dimension"],["Wage/bank/other-property enforcement","Deferred","C061","Separate enforcement dimension"],["Secured and sector-specific rules","Deferred except narrow boundary","C051,C061","Actual activity and governing law"],["Local/tribal/sovereign/territorial questions","Unresolved/deferred","C061","Specific connections and authority"],["Full remedies/surety priority/subrogation","Deferred","C041,C061","Separate remedies dossier"],["State parent/A066/A097/A098 acceptance","Not established","C061","Remaining dimensions remain open"]]},{"headers":["Documented basis","Original status/scope preserved","PASS-10 contribution"],"index":16,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Documented basis","Original status/scope preserved","PASS-10 contribution"],["P01 same-coordinator scoped review, October 25, 2026, 06:05:22.078169Z","Provider/fee component; “every remaining state, contract, sector, local and tribal category” retained","Fresh collection credential/security gateway findings only"],["Current component inventory","collection_conduct_documentation_reporting remains unaccepted","This pass addresses only its credential-related gateway, not the entire dimension"],["S_MN parent assignment","Separately requires collection licensing and original-creditor versus third-party coverage","Definitions, exclusions, public procedure and security analyzed with stated holds"],["P01–P08","Existing separate scopes, review limits and provenance","Not rewritten or expanded by implication"],["P09","Saved but unreviewed","Not used as a premise; no DMP/settlement custody or bond formula imported"]]}],"claims":[{"claim_id":"S_MN-P10-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Actor/predicate, required step/clock and effect":"Currentness is limited to retrieved 2025 displays, 2026 overlays and targeted index","Sources/pinpoints":"S001–S028","Confidence/limits":"High as version finding"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Actor/predicate, required step/clock and effect":"Licensed servicer exclusion added effective Aug. 1, 2026, 12:01 a.m.","Sources/pinpoints":"S019 §57; S020–S021","Confidence/limits":"High narrow finding"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Actor/predicate, required step/clock and effect":"Debt-buyer/affiliate changes have selected Aug. 1, 2021 effect and historical Jan. 2022 transition","Sources/pinpoints":"S025 art.5; S003(1)","Confidence/limits":"High—text; no current general continuation"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Actor/predicate, required step/clock and effect":"Employee remote-location exception effective June 1, 2022","Sources/pinpoints":"S026 §§1–2","Confidence/limits":"High—text"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Actor/predicate, required step/clock and effect":"Old reciprocity exclusion repealed; current order-based provision controls","Sources/pinpoints":"S008,S027,S046","Confidence/limits":"Current status high; exact historical transition held"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Actor/predicate, required step/clock and effect":"Chapter2870 operative provisions displayed as repealed","Sources/pinpoints":"S024 art.1§58; S028","Confidence/limits":"High; broader rules sweep not certified"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Actor/predicate, required step/clock and effect":"Bond formula applies to bonds obtained/renewed after Jan. 1, 2011","Sources/pinpoints":"S023 §94","Confidence/limits":"High—express applicability"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Actor/predicate, required step/clock and effect":"Collection for others and debt buyers are separate definition routes","Sources/pinpoints":"S001(3),(8)","Confidence/limits":"High—text"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Actor/predicate, required step/clock and effect":"State definition has no general consumer-purpose or nondefault exclusion","Sources/pinpoints":"S001(3),(8)","Confidence/limits":"High textual distinction"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Actor/predicate, required step/clock and effect":"Charged-off purchaser remains included when outsourcing or hiring lawyers","Sources/pinpoints":"S001(8)","Confidence/limits":"High—text; actual exclusions still matter"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Actor/predicate, required step/clock and effect":"Pretended assignments and misleading third-party names trigger anti-evasion provision","Sources/pinpoints":"S007","Confidence/limits":"High—text"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Actor/predicate, required step/clock and effect":"PurCo establishes stated assignment, indebtedness and Minnesota-nexus holdings","Sources/pinpoints":"S041 pp.8–22","Confidence/limits":"Precedential; facts and review limits preserved"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence 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records","Sources/pinpoints":"Supplied context","Confidence/limits":"No fabricated original collection row"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C060","Actor/predicate, required step/clock and effect":"Licensure does not prove debt validity, standing or method legality","Sources/pinpoints":"Scope of credential authorities","Confidence/limits":"No actual claim adjudicated"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C061","Actor/predicate, required step/clock and effect":"No broader state/local/tribal or parent acceptance follows","Sources/pinpoints":"Scope limits","Confidence/limits":"Express hold"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C062","Actor/predicate, required step/clock and effect":"No numeric “materiality,” proration or missing-charge assumption is supplied","Sources/pinpoints":"Read fee/security materials","Confidence/limits":"Unknown remains unknown"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C063","Actor/predicate, required step/clock and effect":"No current reciprocal order, accepted actual bond or private status was verified","Sources/pinpoints":"S008,S032–S039","Confidence/limits":"Explicit evidence gap"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_MN-P10-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C064","Actor/predicate, required step/clock and effect":"P09 and earlier debt-relief security formulas are not premises","Sources/pinpoints":"Research scope","Confidence/limits":"Provenance preserved"},"raw_table_index":14,"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"S_MN-P10-S001","urls":["https://www.revisor.mn.gov/statutes/cite/332.31","https://www.revisor.mn.gov/statutes/cite/332.31?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S001","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.31","Actual read scope; version/effect/access limit":"Fresh full definitions, especially subds. 2, 3, 6, 8, 9. 2025 display."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.31 full definitions1–9 packet01","finding":"State for-others/forms/charged-off buyer incl outsourcing, individual collector and all four nonactive affiliate conditions; no federal consumer-purpose/default test imported."}},{"source_id":"S_MN-P10-S002","urls":["https://www.revisor.mn.gov/statutes/cite/332.32","https://www.revisor.mn.gov/statutes/cite/332.32?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S002","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.32","Actual read scope; version/effect/access limit":"Fresh full displayed exclusions and 2026 warning. Requires S019 overlay."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.32 complete displayed a–b packet01; 2026c124art1§57 packet07","finding":"Actual bank loss/own-account, listed categories, loan/finance purchased unsecured seller-recourse exception, narrow trade association and new licensed-servicer scope predicates retained."}},{"source_id":"S_MN-P10-S003","urls":["https://www.revisor.mn.gov/statutes/cite/332.33","https://www.revisor.mn.gov/statutes/cite/332.33?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S003","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.33","Actual read scope; version/effect/access limit":"Fresh complete operative licensing/registration body, subds. 1–9."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.33 complete operative1–9 packets01–02","finding":"Agency apply AND obtain distinct from qualifying individual submission; separate location/employee exception, charges/June30, screening and event notices read. No current general pending-application privilege/minimum capital invented."}},{"source_id":"S_MN-P10-S004","urls":["https://www.revisor.mn.gov/statutes/cite/332.34","https://www.revisor.mn.gov/statutes/cite/332.34?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S004","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.34","Actual read scope; version/effect/access limit":"Fresh complete bond statute and history."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.34 fullbody packet01","finding":"Maintain approved corporate surety50k plus5k/100k previous-calendar-year MN receipts less commissions, max100k; approved cash alternative. Statute supplies no explicit rounding method."}},{"source_id":"S_MN-P10-S005","urls":["https://www.revisor.mn.gov/statutes/cite/332.35","https://www.revisor.mn.gov/statutes/cite/332.35?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S005","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.35","Actual read scope; version/effect/access limit":"Fresh complete disqualifier text and civil-judgment limitation."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.35 fullbody packet02","finding":"Five-year criminal categories and narrow failure-to-account civil judgment/law-license conditions read; not every ordinary civil judgment disqualifying. Chapter364 individual harmonization held."}},{"source_id":"S_MN-P10-S006","urls":["https://www.revisor.mn.gov/statutes/cite/332.355","https://www.revisor.mn.gov/statutes/cite/332.355?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S006","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.355","Actual read scope; version/effect/access limit":"Fresh complete responsibility provision."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.355 fullbody packet04","finding":"Commissioner MAY action licensee and individual collector for same statutory violations, not automatic consequence."}},{"source_id":"S_MN-P10-S007","urls":["https://www.revisor.mn.gov/statutes/cite/332.38","https://www.revisor.mn.gov/statutes/cite/332.38?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S007","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.38","Actual read scope; version/effect/access limit":"Fresh complete anti-evasion/false-name provision."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.38 fullbody packet05","finding":"Pretended purchase/assignment evasion and false outside-party-name gateway read; genuine original-creditor label not dispositive."}},{"source_id":"S_MN-P10-S008","urls":["https://www.revisor.mn.gov/statutes/cite/332.3352","https://www.revisor.mn.gov/statutes/cite/332.3352?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S008","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.3352","Actual read scope; version/effect/access limit":"Fresh complete waiver conditions. No actual order/agreement obtained."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.3352 fullbody packet03","finding":"Nonresident waiver MAY by commissioner order requires effective written reciprocal agreement and home good standing; no actual order/agreement verified."}},{"source_id":"S_MN-P10-S009","urls":["https://www.revisor.mn.gov/statutes/cite/332.37","https://www.revisor.mn.gov/statutes/cite/332.37?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S009","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.37","Actual read scope; version/effect/access limit":"Fresh relevant clauses, especially (a)(2), (9), (12), (16), (23), and (b). Full communications/conduct analysis deferred."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S010","urls":["https://www.revisor.mn.gov/statutes/cite/332.385","https://www.revisor.mn.gov/statutes/cite/332.385?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S010","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.385","Actual read scope; version/effect/access limit":"Fresh complete violation-based termination-notice rule."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.385 fullbody packet10","finding":"Ten-day employee termination notice only where based wholly/partly on chapter violation; not universal departure rule."}},{"source_id":"S_MN-P10-S011","urls":["https://www.revisor.mn.gov/statutes/cite/332.40","https://www.revisor.mn.gov/statutes/cite/332.40?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S011","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.40","Actual read scope; version/effect/access limit":"Fresh licensing-related examination, investigation and sanction provisions."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.40 full subdivisions1–4 packet10","finding":"Examination/investigation and notice/hearing sanction predicates; separate subpoena/powers. Not universal automatic revocation."}},{"source_id":"S_MN-P10-S012","urls":["https://www.revisor.mn.gov/statutes/cite/332.42","https://www.revisor.mn.gov/statutes/cite/332.42?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S012","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.42","Actual read scope; version/effect/access limit":"Fresh financial-report, books and retention provisions; full conduct/record sufficiency deferred."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.42 fullbody packet10","finding":"Discretionary verified financial statement; agency five years after final remittance or returned paid account versus buyer five years after final collection; no full trust review."}},{"source_id":"S_MN-P10-S013","urls":["https://www.revisor.mn.gov/statutes/cite/45.027","https://www.revisor.mn.gov/statutes/cite/45.027?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S013","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/45.027","Actual read scope; version/effect/access limit":"Fresh targeted licensing/sanction provisions, especially subds. 5a and 7. Not complete general enforcement analysis."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S014","urls":["https://www.revisor.mn.gov/statutes/cite/604.15","https://www.revisor.mn.gov/statutes/cite/604.15?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S014","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/604.15","Actual read scope; version/effect/access limit":"Fresh definitions and subd. 4a, with necessary surrounding motor-fuel provisions. No fee calculation imported."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"604.15 definitions/4a and surrounding2–5 packet12","finding":"IRS-exempt501c6 member-retailer motor-fuel route narrowly; no fee computation or universal association exclusion."}},{"source_id":"S_MN-P10-S015","urls":["https://www.revisor.mn.gov/statutes/cite/58.02","https://www.revisor.mn.gov/statutes/cite/58.04","https://www.revisor.mn.gov/statutes/cite/58.02?utm_source=chatgpt.com","https://www.revisor.mn.gov/statutes/cite/58.04?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S015","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/58.02 and https://www.revisor.mn.gov/statutes/cite/58.04","Actual read scope; version/effect/access limit":"Fresh servicing definitions and licensing/exemption provisions. Selected Chapter 58 bodies, not full mortgage dossier."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S016","urls":["https://www.revisor.mn.gov/statutes/cite/58B.02","https://www.revisor.mn.gov/statutes/cite/58B.03","https://www.revisor.mn.gov/statutes/cite/58B.02?utm_source=chatgpt.com","https://www.revisor.mn.gov/statutes/cite/58B.03?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S016","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/58B.02 and https://www.revisor.mn.gov/statutes/cite/58B.03","Actual read scope; version/effect/access limit":"Fresh necessary borrower/service/license predicates and exemptions. Other 2026 sector amendments not certified."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S017","urls":["https://www.revisor.mn.gov/statutes/cite/364.03","https://www.revisor.mn.gov/statutes/cite/364.09"],"researcher_record":{"Source ID":"S_MN-P10-S017","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/364.03 and https://www.revisor.mn.gov/statutes/cite/364.09","Actual read scope; version/effect/access limit":"Fresh operative rehabilitation relationship/factors and complete exception body. 2025 subd. 3 requires S018 overlay."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"364.03 complete oldbody and364.09all(a)–(h) packet02","finding":"Direct-relationship factors/exceptions/background requirement preserved; old rehab subsection must be overlaid with2026enactment. No actual conviction/eligibility determination."}},{"source_id":"S_MN-P10-S018","urls":["https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0"],"researcher_record":{"Source ID":"S_MN-P10-S018","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2026/0/97/laws.9.2.0","Actual read scope; version/effect/access limit":"Fresh article 9 §2, adjacent §3, express effective clauses and signature. Effective May 19, 2026; not entire act."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"2026c97art9§2 complete amendment/own effective clause, adjacent§3 and signature packets04–05/08","finding":"May18,2026signature plus own next-day clause supportsMay19; changes disqualification/evidence phrasing while both rehab and present fitness required. No complete act/later-law certification."}},{"source_id":"S_MN-P10-S019","urls":["https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0","https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S019","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0","Actual read scope; version/effect/access limit":"Fresh complete article 1 §57 and boundary with §58. Enacted exclusion addition. Act-level classification retains identified prior reviewed context."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"2026c124art1§57 complete and58boundary packet07","finding":"New licensed Chapter58/58B servicing within activities subject to licensure; not all servicers, license-exempt actors or unrelated activities. Act classification remains dated reviewedP02reuse."}},{"source_id":"S_MN-P10-S020","urls":["https://www.revisor.mn.gov/statutes/cite/645.02","https://www.revisor.mn.gov/statutes/cite/645.02?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S020","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/645.02","Actual read scope; version/effect/access limit":"Fresh complete operative default dates and 12:01 a.m. rule."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"645.02 completebody packet11","finding":"DefaultAug1 versus appropriationJuly1 and12:01am read; do not decide mixed-act classification from isolated§57."}},{"source_id":"S_MN-P10-S021","urls":["https://www.house.mn.gov/NewLaws/story/2026/5756","https://www.house.mn.gov/NewLaws/story/2026/5756?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S021","Issuer and complete HTTPS URL":"House Public Information — https://www.house.mn.gov/NewLaws/story/2026/5756","Actual read scope; version/effect/access limit":"Fresh Chapter 124 date statement, especially line 240. Official secondary chronology, not enacted wording."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S022","urls":["https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","https://www.revisor.mn.gov/statutes/2026/table2?full&page=5&per_page=500&year=2026&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S022","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Actual read scope; version/effect/access limit":"Fresh targeted Chapter 332 index entries. Regular-session index only."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S023","urls":["https://www.revisor.mn.gov/laws/2010/0/384/","https://www.revisor.mn.gov/laws/2010/0/384/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S023","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2010/0/384/","Actual read scope; version/effect/access limit":"Fresh §94 and express bond applicability; adjacent historical exemption distinguished."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"2010c384§94 own effective clause packet07","finding":"Applies bonds obtained or renewed AFTERJan1,2011; adjacent§93old exemption different clause, not imported."}},{"source_id":"S_MN-P10-S024","urls":["https://www.revisor.mn.gov/laws/2014/0/222/","https://www.revisor.mn.gov/laws/2014/0/222/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S024","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2014/0/222/","Actual read scope; version/effect/access limit":"Fresh selected art. 1 §§55–58 and related art. 2 changes/signature. Current rule repeal established; exact historical date chain held."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S025","urls":["https://www.revisor.mn.gov/laws/2021/1/4/","https://www.revisor.mn.gov/laws/2021/1/4/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S025","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2021/1/4/","Actual read scope; version/effect/access limit":"Fresh selected art. 5 §§1–18 and related boundaries/effective clauses. Not complete omnibus act."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S026","urls":["https://www.revisor.mn.gov/laws/2022/0/70/","https://www.revisor.mn.gov/laws/2022/0/70/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S026","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2022/0/70/","Actual read scope; version/effect/access limit":"Fresh §§1–2 and express June 1, 2022 date."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"2022c70§§1–2 own clauses packet12","finding":"Remote EMPLOYEE exception effectiveJune1,2022; unrelated§3notice dates not imported."}},{"source_id":"S_MN-P10-S027","urls":["https://www.revisor.mn.gov/laws/2024/0/114/","https://www.revisor.mn.gov/laws/2024/0/114/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S027","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2024/0/114/","Actual read scope; version/effect/access limit":"Fresh art. 1 §17(a), art. 3 §68, adjacent effective clauses, title/date searches and signature. Exact historical transition date held."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S028","urls":["https://www.revisor.mn.gov/rules/2870/full"],"researcher_record":{"Source ID":"S_MN-P10-S028","Issuer and complete HTTPS URL":"Revisor rules — https://www.revisor.mn.gov/rules/2870/full","Actual read scope; version/effect/access limit":"Fresh complete displayed repeal notices/history. No repealed operative rule used as current."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"2870complete repeal entries packets05/12","finding":"All displayedparts repealed, including final.5100; old operative temp/late rules not current. Exact historical effective chain not newly resolved."}},{"source_id":"S_MN-P10-S029","urls":["https://mn.gov/commerce/licensing/list/business/collections/","https://mn.gov/commerce/licensing/list/business/collections/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S029","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce/licensing/list/business/collections/","Actual read scope; version/effect/access limit":"Fresh public application, renewal, screening, fees and update instructions. No substantive revision date; transactional account not entered."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"Commerce collections public procedure lines24–175 packets03/05/06","finding":"Sircon agency approval before individual process; instructions1000initial500branch400renew10collector, public screening and event updates. No account/identity/entity query or complete missing-fee schedule."}},{"source_id":"S_MN-P10-S030","urls":["https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf","https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S030","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/debt-buyer-faq.pdf","Actual read scope; version/effect/access limit":"Fresh complete three-page undated FAQ; visually inspected. Guidance, not statutory replacement."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S031","urls":["https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf","https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S031","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collections-affiliated-company-form.pdf","Actual read scope; version/effect/access limit":"Fresh complete one-page form, dated 8-2021; visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S032","urls":["https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf","https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S032","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-corporation.pdf","Actual read scope; version/effect/access limit":"Fresh complete two-page undated corporate/LLC bond and worksheet; both pages visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"Corporate/LLC bond bothpages all85extractedlines packet03","finding":"Clauses1–6/signatures/POA/notaries/worksheet; continuous aggregate/prior liability/notice30daysaftersent/Commerce-before-claim-payment and nearest5k/max100k. Actual issued/accepted form unknown; no coordinatorpixels."}},{"source_id":"S_MN-P10-S033","urls":["https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf","https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S033","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-individual.pdf","Actual read scope; version/effect/access limit":"Fresh two-page undated sole-proprietor bond/worksheet; relevant page visually inspected. Not an employee personal-bond requirement."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S034","urls":["https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf","https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S034","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collection-bond-partnership.pdf","Actual read scope; version/effect/access limit":"Fresh two-page undated partnership bond/worksheet; relevant page visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S035","urls":["https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf","https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S035","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collection-financial-statement.pdf","Actual read scope; version/effect/access limit":"Fresh complete one-page undated financial statement; visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"Financialstatement all65extractedlines packet11","finding":"Purchased accounts actualpurchaseprice is assetfield, not statutory bond-commission deduction or fixed minimum capital. No coordinatorpixels."}},{"source_id":"S_MN-P10-S036","urls":["https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf","https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S036","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/licensing/financial-institutions/name-change-individual-non-insurance_8-2023.pdf","Actual read scope; version/effect/access limit":"Fresh complete one-page August 2023 form; visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S037","urls":["https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf","https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S037","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/collection-agency-ownership-change.pdf","Actual read scope; version/effect/access limit":"Fresh complete one-page January 2021 form; actual page heading controls over retrieval metadata."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S038","urls":["https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp","https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y","https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp?utm_source=chatgpt.com","https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S038","Issuer and complete HTTPS URL":"Sircon — https://www.sircon.com/landingPages/states/minnesota/otherBiz/content.jsp and https://www.sircon.com/ComplianceExpress/Inquiry/consumerInquiry.do?nonSscrb=Y","Actual read scope; version/effect/access limit":"Fresh public landing/inquiry route. Limited rendered selector; no account, identifier or entity search."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S039","urls":["https://mn.gov/commerce/licensing/license-lookup/","https://mn.gov/commerce/licensing/license-lookup/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S039","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce/licensing/license-lookup/","Actual read scope; version/effect/access limit":"Fresh agency/collector lookup links and scope description. No named result."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S040","urls":["https://mn.gov/commerce/consumer/file-a-complaint/","https://mn.gov/commerce/consumer/file-a-complaint/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S040","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce/consumer/file-a-complaint/","Actual read scope; version/effect/access limit":"Fresh complaint instructions and Collections & Debt route. No submission."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S041","urls":["https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf","https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S041","Issuer and complete HTTPS URL":"Minnesota Court of Appeals — https://mn.gov/law-library-stat/archive/ctappub/2025/OPa250375-112425.pdf","Actual read scope; version/effect/access limit":"Fresh official 22-page precedential PurCo opinion, Nov. 24, 2025; operative analysis/disposition read; relevant pages visually inspected."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"OfficialPurCo22page opinion intro/facts selected1–4 and operative5–22 packets06–09","finding":"Affirmedcease-desist: unliquidated pecuniary rentaldamage, collectionforothers despite assumedvalidassignment, MNbusiness/transactionnexus and as-applied vagueness. Specificfacts/MNactivity footnote11; not all buyers/outofstateconduct. Factspp4–5 not fully reread; no complete citator/pixels."}},{"source_id":"S_MN-P10-S042","urls":["https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html"],"researcher_record":{"Source ID":"S_MN-P10-S042","Issuer and complete HTTPS URL":"Published opinion republication — https://law.justia.com/cases/minnesota/court-of-appeals/1991/c5-90-2067.html","Actual read scope; version/effect/access limit":"Fresh Nichols, 468 N.W.2d 84, particularly pp. 85–87. Official image not obtained; no complete citator."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"Nichols468NW2d84,85–87 published majority reproduction packets06–07","finding":"Affirmed dismissal of surety personal-injury repossession claim under thenbond/law. Not current blanket repossessor exclusion/general immunity; official image/citator absent."}},{"source_id":"S_MN-P10-S043","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692a/"],"researcher_record":{"Source ID":"S_MN-P10-S043","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692a/","Actual read scope; version/effect/access limit":"Fresh relevant definitions, especially (4)–(6). Text through October 7, 2026."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"1692a(4)–(6) and editorialnote packet11","finding":"Consumer purpose/principal-purpose/for-another/default/own-name/security-limited predicates different from MN charged-off credentials. OLRCthroughOct7,2026not all laterlaw."}},{"source_id":"S_MN-P10-S044","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S044","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","Actual read scope; version/effect/access limit":"Fresh (g)–(i) and relevant official interpretations. Recovered after eCFR failure; no broader Regulation F review."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"1006.2(g)–(i) and actualembeddedinterpretations packets11–12","finding":"Own purchased defaulted debt is not automatically FDCPAcollector; both statutory alternatives and exclusions matter. No broad communications validation work in this review."}},{"source_id":"S_MN-P10-S045","urls":["https://www.revisor.mn.gov/statutes/cite/332.44","https://www.revisor.mn.gov/statutes/cite/332.44?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S045","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.44","Actual read scope; version/effect/access limit":"Fresh complete rulemaking-authority paragraph. Authority does not revive repealed rules."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"pinpoint":"332.44completebody packet10","finding":"Rulemaking power does not revive repealed2870rules."}},{"source_id":"S_MN-P10-S046","urls":["https://www.revisor.mn.gov/statutes/cite/332.3351","https://www.revisor.mn.gov/statutes/cite/332.3351?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P10-S046","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.3351","Actual read scope; version/effect/access limit":"Fresh current repeal notice; old exemption not reused."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}},{"source_id":"S_MN-P10-S047","urls":["https://www.house.mn.gov/NewLaws/consolidated/2024"],"researcher_record":{"Source ID":"S_MN-P10-S047","Issuer and complete HTTPS URL":"House Public Information — https://www.house.mn.gov/NewLaws/consolidated/2024","Actual read scope; version/effect/access limit":"Fresh Chapter 114 summary around lines 346–354. Broad January 1 statement distinguished from section-specific enacted text."},"coordinator_verification_status":"scoped_reviewed_selected_evidence;not_all_source_or_current_law_certification","coordinator_review_file":"[internal evidence reference]","coordinator_selected_check":{"finding":"Not freshly reopened here; preserve attributed researcher findings and explicit evidence limits."}}],"coverage":[{"topic":"Collection-agency definition","researcher_record":{"Requested issue":"Collection-agency definition","Status":"Answered","Claims/models":"C008","Missing evidence or next action":"Actual conduct for application"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Individual collector definition","researcher_record":{"Requested issue":"Individual collector definition","Status":"Answered","Claims/models":"C013","Missing evidence or next action":"Actual duties and relationship"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Debt-buyer charged-off predicate","researcher_record":{"Requested issue":"Debt-buyer charged-off predicate","Status":"Answered","Claims/models":"C010","Missing evidence or next action":"Actual acquisition/status/purpose"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Passive outsourced buyer","researcher_record":{"Requested issue":"Passive outsourced buyer","Status":"Answered textually","Claims/models":"C010","Missing evidence or next action":"Any genuine exclusion/affiliate facts"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Performing-debt purchaser","researcher_record":{"Requested issue":"Performing-debt purchaser","Status":"Partial application","Claims/models":"C008–C010","Missing evidence or next action":"Ownership, beneficiary, servicing and exclusion facts"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Original-creditor own-name collection","researcher_record":{"Requested issue":"Original-creditor own-name collection","Status":"Answered conditionally","Claims/models":"C011","Missing evidence or next action":"Genuine ownership/no false third-party impression"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Sham assignment/false name","researcher_record":{"Requested issue":"Sham assignment/false name","Status":"Answered","Claims/models":"C011","Missing evidence or next action":"Actual arrangement/communications"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Collection systems/forms","researcher_record":{"Requested issue":"Collection systems/forms","Status":"Answered textually","Claims/models":"C008","Missing evidence or next action":"Actual system representations"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Holding out/preparatory solicitation","researcher_record":{"Requested issue":"Holding out/preparatory solicitation","Status":"Unresolved at margin","Claims/models":"B1","Missing evidence or next action":"Actual conduct and responsive construction"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Consumer versus commercial","researcher_record":{"Requested issue":"Consumer versus commercial","Status":"Answered gateway distinction","Claims/models":"C009","Missing evidence or next action":"Full conduct rules remain separate"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Default timing","researcher_record":{"Requested issue":"Default timing","Status":"Answered distinction","Claims/models":"C009–C010,C050","Missing evidence or next action":"Actual charged-off/default facts"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Minnesota-business nexus","researcher_record":{"Requested issue":"Minnesota-business nexus","Status":"Answered with precedent","Claims/models":"C012","Missing evidence or next action":"Actual contract and activities"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Minnesota-transaction nexus","researcher_record":{"Requested issue":"Minnesota-transaction nexus","Status":"Answered with precedent","Claims/models":"C012","Missing evidence or next action":"Actual origin of obligation"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Remote/nonresident business","researcher_record":{"Requested issue":"Remote/nonresident business","Status":"Answered conditionally","Claims/models":"C021","Missing evidence or next action":"Actual waiver or licensing"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Current reciprocal agreement/order","researcher_record":{"Requested issue":"Current reciprocal agreement/order","Status":"Unverified","Claims/models":"C021,C063","Missing evidence or next action":"Effective agreement and commissioner order"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Bank exclusion","researcher_record":{"Requested issue":"Bank exclusion","Status":"Answered textually","Claims/models":"C015","Missing evidence or next action":"Bank status, own debt and loss exposure"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Abstract escrow exclusion","researcher_record":{"Requested issue":"Abstract escrow exclusion","Status":"Answered textually","Claims/models":"C016","Missing evidence or next action":"Actual actor/activity"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Real-estate broker exclusion","researcher_record":{"Requested issue":"Real-estate broker exclusion","Status":"Answered textually","Claims/models":"C016","Missing evidence or next action":"Actual legal status/activity"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Public officer/court-order categories","researcher_record":{"Requested issue":"Public officer/court-order categories","Status":"Answered textually","Claims/models":"C016","Missing evidence or next action":"Actual office/order"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Lawyer versus separate company","researcher_record":{"Requested issue":"Lawyer versus separate company","Status":"Partial application","Claims/models":"C016,C020","Missing evidence or next action":"Actual actor/practice/entity facts"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Trust/insurance/credit-union/savings categories","researcher_record":{"Requested issue":"Trust/insurance/credit-union/savings categories","Status":"Answered textually","Claims/models":"C016","Missing evidence or next action":"Actual institution status"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Loan/finance recourse exception","researcher_record":{"Requested issue":"Loan/finance recourse exception","Status":"Answered","Claims/models":"C017","Missing evidence or next action":"Purchase, unsecured status, seller recourse"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Motor-fuel trade association","researcher_record":{"Requested issue":"Motor-fuel trade association","Status":"Answered narrowly","Claims/models":"C018","Missing evidence or next action":"§501(c)(6), member retailer and authorized services"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Licensed mortgage-servicer exclusion","researcher_record":{"Requested issue":"Licensed mortgage-servicer exclusion","Status":"Answered with 2026 overlay","Claims/models":"C019","Missing evidence or next action":"Actual license and scope"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Licensed student-loan-servicer exclusion","researcher_record":{"Requested issue":"Licensed student-loan-servicer exclusion","Status":"Answered with overlay","Claims/models":"C019","Missing evidence or next action":"Same"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"License-exempt but unlicensed servicer","researcher_record":{"Requested issue":"License-exempt but unlicensed servicer","Status":"Partial","Claims/models":"C020","Missing evidence or next action":"Alternative actual 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dimension"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Secured and sector-specific rules","researcher_record":{"Requested issue":"Secured and sector-specific rules","Status":"Deferred except narrow boundary","Claims/models":"C051,C061","Missing evidence or next action":"Actual activity and governing law"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Local/tribal/sovereign/territorial questions","researcher_record":{"Requested issue":"Local/tribal/sovereign/territorial questions","Status":"Unresolved/deferred","Claims/models":"C061","Missing evidence or next action":"Specific connections and authority"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Full remedies/surety priority/subrogation","researcher_record":{"Requested issue":"Full remedies/surety priority/subrogation","Status":"Deferred","Claims/models":"C041,C061","Missing evidence or next action":"Separate remedies dossier"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"State parent/A066/A097/A098 acceptance","researcher_record":{"Requested issue":"State parent/A066/A097/A098 acceptance","Status":"Not established","Claims/models":"C061","Missing evidence or next action":"Remaining dimensions remain open"},"raw_table_index":15,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"New agency/debt buyer","researcher_record":{"Actor/event":"New agency/debt buyer","Required step, trigger or clock":"Apply for and obtain agency license before conducting covered Minnesota business","Consequence/limit":"Filing or paying alone is insufficient"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Historical debt-buyer transition","researcher_record":{"Actor/event":"Historical debt-buyer transition","Required step, trigger or clock":"Statute required application no later than January 1, 2022; the separate continuation sentence applies to applications filed before that date and still pending","Consequence/limit":"Not a current general pending-application privilege"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Individual collector","researcher_record":{"Actor/event":"Individual collector","Required step, trigger or clock":"Licensed employer submits prescribed application and verification","Consequence/limit":"Individual may begin on submission unless Commerce advises ineligibility"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"First company license, then collector submission","researcher_record":{"Actor/event":"First company license, then collector submission","Required step, trigger or clock":"Current Commerce procedure requires agency approval first","Consequence/limit":"Individual submission cannot bootstrap an unlicensed company"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Additional office","researcher_record":{"Actor/event":"Additional office","Required step, trigger or clock":"Separate license for each place of business, except the statutory employee-location rule","Consequence/limit":"One company identity does not automatically cover every office"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Employee working elsewhere/home","researcher_record":{"Actor/event":"Employee working elsewhere/home","Required step, trigger or clock":"§332.33(5b) requires compliance with requirements that would apply at the licensed location","Consequence/limit":"No additional branch license for a qualifying location"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Contractor working from home","researcher_record":{"Actor/event":"Contractor working from home","Required step, trigger or clock":"Employee exception is not automatically applicable","Consequence/limit":"Actual status and licensing/location treatment remain held"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Qualified affiliates","researcher_record":{"Actor/event":"Qualified affiliates","Required step, trigger or clock":"Single license and examination if all statutory conditions are met and names are listed","Consequence/limit":"Active collectors do not satisfy the affiliate definition merely through common ownership"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Company name/address/ownership change","researcher_record":{"Actor/event":"Company name/address/ownership change","Required step, trigger or clock":"Written notice no later than ten days after change","Consequence/limit":"Not the same as initial approval or a universal permission to transfer the license"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Individual name/address/assumed-name change","researcher_record":{"Actor/event":"Individual name/address/assumed-name change","Required step, trigger or clock":"Written notice within ten days","Consequence/limit":"Additional assumed name still requires registration and approval"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Violation-based employee termination","researcher_record":{"Actor/event":"Violation-based employee termination","Required step, trigger or clock":"Notify Commerce within ten days if termination is based wholly or partly on a chapter violation","Consequence/limit":"Not an invented statutory ten-day rule for every departure"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Death of licensee","researcher_record":{"Actor/event":"Death of licensee","Required step, trigger or clock":"Statutory executor/administrator route for unexpired term under probate-court direction","Consequence/limit":"Not ordinary unrestricted transferability"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"June 30 expiration","researcher_record":{"Actor/event":"June 30 expiration","Required step, trigger or clock":"Agency licenses and individual registrations expire annually","Consequence/limit":"No verified grace period or payment-only reinstatement permission"},"raw_table_index":3,"record_kind":"credential_event_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Initial","researcher_record":{"Stage":"Initial","Required screening":"At hiring, before submission: national criminal search, attorney-licensing search, and county criminal searches for all counties of residence during the preceding five years"},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Renewal","researcher_record":{"Stage":"Renewal","Required screening":"National criminal search and counties of residence during the immediately preceding year"},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Timing","researcher_record":{"Stage":"Timing","Required screening":"Renewal screening no more than 60 days before expiration or renewal"},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"First-renewal exception","researcher_record":{"Stage":"First-renewal exception","Required screening":"No renewal screening required if initial screening occurred within 12 months of the first renewal"},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Later renewals","researcher_record":{"Stage":"Later renewals","Required screening":"Annual renewal screening required"},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"},{"topic":"Vendor and procedures","researcher_record":{"Stage":"Vendor and procedures","Required screening":"Statute uses National Association of Professional Background Screeners or equivalent; Commerce currently refers to Professional Background Screening Association or equivalent. Licensee procedures remain reviewable."},"raw_table_index":4,"record_kind":"screening_workflow","coordinator_acceptance":"scoped_review_complete_with_material_evidence_holds;not_accepted","coordinator_review_file":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_MN-P10-credentials-security-rounding-currentness-holds-20261027","status":"scoped_review_complete_collection_credentials_security_rounding_instrument_currentness_holds","at":"2026-10-27T12:31:26.827426+00:00"}]}