{"meta":{"key":"s_mn--pass-11","task":"S_MN","title":"SMN Ordinary consumer collection communications, validation, and disputes","parent_title":"Minnesota debt and debt relief law","edition":"pass-11","path":"/research/s_mn--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-27","tables":25,"claims":65,"sources":48,"review_status":"scoped_review_complete_communications_state_notices_records_validation_timing_currentness_holds","review_complete":true,"sha256":"2cd377b45ad5896a4ddf00fb22ef3c1d430329f2c56bc84b1ad2449097aa0d3d","headings":["A. Conclusions that must remain separate","B1. State and federal coverage are different tests","Necessary 2026 exclusion overlay","Principal-purpose buyers and knowledge","B2. Communication, attempt, and limited-content message","C1. Conduct and notice matrix","The workplace callback exception is not affirmative permission","C2. Counseling-resource document: actual body and dates","C3. Who actually receives the “reports” or “free access”?","D1. Time, place, work and representation","D2. Who may be contacted?","Location inquiries","D3. Whole-debt cessation versus medium-specific requests","D4. Telephone frequency","D5. Email, text, wrong-party and public-media controls","E1. Initial versus later disclosure duties","E2. Validation notice trigger and contents","Receipt and the validation period","Form safe harbor is limited","E3. Dispute and original-creditor request matrix","E4. What verification establishes under the Eighth Circuit","Verification is not all of the following","E5. Known disputes and credit-information communications","E6. Sending verification electronically","F1. Decisions actually read","F2. State protection and federal authority","F3. Currentness and conflict matrix","Common conditions","Example 1 — Initial call, mailed validation, itemization and receipt calculation","Facts and arithmetic","Event analysis","Assumed receipt calculation","Example 2 — Oral dispute, timely written request, pause and resumption","Amount reconciliation","Adverse alternatives","Example 3 — Calls, conversations, workplace restrictions and third parties","Call-count branch","Conversation branch—not added to the preceding facts","State and privacy branches","Example 4 — LCM, email, wrong party, opt-out and state information","Main sequence","Wrong-number branch","Failed-email branch","Failed routes, discovery-only material, and search limits"],"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-11","facets":{"geography":["us","us-mn"],"debt_type":[],"stage":["collection"],"subject":["validation-disputes","collection-conduct"]},"scope":"ReviewedP01 remaining-state statement + current collection dimension narrowed to ordinary consumer communications/validation/dispute workflow; P10UNREVIEWEDnotpremise.","pending_corrections":0},"markdown":"# S_MN PASS-11 — Ordinary consumer collection communications, validation, and disputes\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**Scope:** The collection-communications, contact, validation, and dispute-handling gateway—not credentials, debt-relief fees, litigation procedure, or full-state clearance.\n\n**Disposition:** The principal state and federal duties are established within the source-version limits below. Significant application questions remain, including particular actor coverage, Minnesota’s application to a federal limited-content message, harmonized notice design, certain electronic-delivery facts, and the sufficiency of verification in a particular dispute.\n\n**P10 is not a premise.** Necessary actor predicates were freshly researched. Earlier answers, dates, review limits, and unresolved findings remain preserved.\n\nThroughout, **S001** means **S_MN-P11-S001**. The source register supplies each source’s complete HTTPS URL, issuer, pinpoint, read scope, and limitations. **C001–C065** are this pass’s claims.\n\n## A. Conclusions that must remain separate\n\n**A validation notice is not proof that a debt is legally enforceable.** A verification response can satisfy the narrow federal dispute procedure without deciding liability, standing, limitations, admissibility, identity theft, bankruptcy, or the evidence needed to win a lawsuit. [C048–C049.] [ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf)\n\n**A timely written dispute creates a collection pause, not a 30-day response deadline.** The collector must satisfy the applicable verification or original-creditor response condition before resuming the affected collection activity. The cited provisions do not require a response within 30 days or extinguish the debt if no response arrives. [C044–C047.] [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\n**Minnesota adds requirements that federal labels do not erase.** These include licensed-business-name identification, the specified initial-mail licensing disclosure, a counseling-resource document, and particular callback and recorded-message restrictions. Federal model-form or limited-content-message treatment is not blanket Minnesota approval. [C015–C020.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.37)\n\n**Seven calls is not general permission to harass.** Regulation F establishes rebuttable telephone-frequency presumptions, subject to definitions and exclusions. Other harassment, inconvenience, representation, privacy, workplace, cease-contact, and state rules continue to apply. [C024–C038.] [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/)\n\n# B. Actor and communication gateway\n\n## B1. State and federal coverage are different tests\n\n| Actor or circumstance | Minnesota conduct inquiry | Federal FDCPA/Regulation F inquiry |\n| --- | --- | --- |\n| **Genuine original creditor collecting its own debt in its own name** | The ordinary “for others” agency limb is not established solely by those facts. State anti-evasion, false-name, sector-specific, and other applicable laws remain separate. | Ordinarily distinguish creditor collection from statutory debt collection; the false-third-party-name provision and actual principal-purpose facts still matter. |\n| **Third-party collection agency** | Test §332.31’s collection-for-others definition and actual exclusions. | Test regular collection of another’s consumer debt or the principal-purpose definition. |\n| **Charged-off debt buyer** | The state definition expressly includes purchasing charged-off debt for collection, including outsourcing. | Ownership does not automatically eliminate principal-purpose coverage; neither does every purchase automatically establish it. |\n| **Servicer** | Actual services and exclusions matter. The 2026 amendment adds a scope-limited exclusion for specified **licensed** mortgage and student-loan servicers. | The nondefault-at-acquisition exclusion and other definitions must be applied separately. |\n| **Employee or affiliate** | Actual authority, activity, exclusion, and anti-evasion facts matter; no general exemption is assumed from the label. | The own-creditor employee and common-control affiliate exclusions have specific predicates. The affiliate exclusion is not simply “same corporate group.” |\n| **Attorney** | A state collection-agency exclusion does not resolve every applicable professional or conduct law. | There is no current blanket attorney exemption from the FDCPA debt-collector definition. |\n| **Security-interest actor** | No universal state secured-activity conclusion is supplied here. | The special definition for §1692f(6) is distinct from full debt-collector coverage; additional monetary collection may change the analysis. |\n| **Mistakenly targeted person** | Actual state actor and conduct provisions still require analysis. | “Consumer” includes a natural person allegedly obligated; a collector’s mistake does not remove that person from the definition. |\n| **Remote actor** | Physical absence is not itself a conduct exemption; actual Minnesota connections and applicable exclusions must be established. | Federal actor, debt, and communication predicates remain necessary. |\n| **Business-purpose obligation** | Minnesota’s collection definition is not generally limited to consumer-purpose debt. | The FDCPA’s “debt” definition requires the specified personal, family, or household transaction purpose. |\n\nSources: §§332.31, .32, .38; 15 USC 1692a; 12 CFR 1006.2 and official interpretations. [C008–C012.] [MN Revisor+3](https://www.revisor.mn.gov/statutes/cite/332.31)\n\n### Necessary 2026 exclusion overlay\n\nLaws 2026, chapter 124, article 1, §57 adds the licensed mortgage-servicer and student-loan-servicer exclusion only for activities subject to the applicable licensure. It became effective August 1, 2026, at 12:01 a.m., under the section, official chapter chronology, and general date rule, with the previously reviewed act-level classification retained as dated context.\n\nThe amendment is **not a federal contact exemption**, and no actor’s actual license or scope was checked here. The displayed §332.32 page remains a 2025 compilation with an amendment warning. [C005.] [MN Revisor+2](https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0)\n\n### Principal-purpose buyers and knowledge\n\nIn **Reygadas v. DNF Associates, LLC**, the Eighth Circuit upheld debt-collector classification on the particular principal-purpose record even though collection was outsourced. It expressly declined a universal rule covering every purchaser.\n\nThe court separately vacated the liability judgment. The buyer’s knowledge of representation did not automatically establish the independent collector’s knowledge or the necessary agency basis for imputing its conduct. Actor status, knowledge, agency, and a prohibited communication remain separate questions. [C012.] [U.S. Court of Appeals+1](https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf)\n\n## B2. Communication, attempt, and limited-content message\n\n| Term | Governing distinction | Consequence |\n| --- | --- | --- |\n| **Communication** | Conveying information about a debt directly or indirectly to a person | Can trigger disclosure, privacy, initial-communication and other duties. |\n| **Attempt to communicate** | An act to initiate a communication or contact about a debt, including a qualifying limited-content message | Rules expressly covering attempts still apply even when no debt information is conveyed. |\n| **Limited-content message—LCM** | A narrowly specified **voicemail to a consumer**, containing only required and permitted optional information | Not a federal “communication,” but still an attempt. It is not an email or text-message category. |\n| **Initial communication** | First communication about the debt to the consumer, with specified exclusions for validation purposes | Starts the relevant initial-disclosure/validation analysis; an LCM alone does not. |\n| **Formal pleading** | Excluded for specified initial-validation and collection-disclosure purposes | Not a blanket exemption from every FDCPA prohibition. |\n| **Required tax/privacy notice** | Certain notices unrelated to collecting the debt are excluded from the initial-communication definition | An ordinary demand cannot become excluded merely by including a required notice. |\n\nFor an LCM, the business name must not indicate debt collection, and the required callback information and permitted optional elements must fit §1006.2(j). Additional debt content defeats that treatment. A message knowingly left for a third party is not the specified consumer voicemail. [C013–C014.] [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/)\n\n**Minnesota hold:** Section 332.37(a)(16) requires the full licensed agency/debt-buyer name or Commerce-registered DBA when attempting collection. A federal LCM using a shortened or different name does not automatically satisfy that state requirement. Whether a particular neutral registered DBA and message satisfy all requirements needs actual records and content. No universal harmonized LCM was approved. [C015.]\n\n# C. Minnesota-specific duties and record-access boundaries\n\n## C1. Conduct and notice matrix\n\n| State provision | Actor, trigger, medium or recipient | Required conduct or restriction |\n| --- | --- | --- |\n| **§332.37(a)(16)** | Agency, buyer or collector attempting collection | Provide the business’s full licensed name or registered DBA. |\n| **§332.37(a)(23)** | Initial contact with a Minnesota debtor **by mail** | Include the prescribed agency-or-buyer licensing statement, in the required relative type size/font. |\n| **§332.365(2)** | Covered collection agency’s initial written communication through the specified mail/email/text media | Include the commissioner’s counseling-resource document. |\n| **§332.37(a)(1)** | Threat involving a particular lawyer | The lawyer-retention predicate must actually exist; other legality and intent restrictions remain. |\n| **§332.37(a)(2), (4)–(6), (9)** | Public-officer, legal-service, lawyer-document or government-impression conduct | No false governmental/legal authority, misleading judicial appearance, or unauthorized legal conduct. |\n| **§332.37(a)(7), (22)** | Public shaming or fabricated collection material | The stated intimidation and deceptive-document conduct is prohibited. |\n| **§332.37(a)(13)** | Recorded message using an automatic dialing-announcing device after express stop instruction | The specified method must cease. No universal robocall permission is supplied. |\n| **§332.37(a)(15)** | Debtor has a listed number; neighbor/third party is asked to relay a callback request | Prohibited except the specified co-resident/authorized-person conditions; narrow workplace callback language is separately stated. |\n| **§332.37(a)(20)** | Amount incidental to the charge-off obligation | Agreement or legal authorization is required; an itemization does not itself establish it. |\n| **§332.37(a)(12)** | Covered state actors collecting an account, bill or indebtedness | Prohibits violating the incorporated FDCPA provisions. This pass does not assume that every later regulation is automatically incorporated without further construction. |\n\nThe buyer exceptions in §332.37(b) are limited to enumerated client/funds-related clauses; they do not create a general communications exemption merely because the buyer owns the debt. [C015–C020.] [MN Revisor+1](https://www.revisor.mn.gov/statutes/cite/332.37)\n\n### The workplace callback exception is not affirmative permission\n\nMinnesota’s callback clause does not override federal restrictions based on known employer prohibitions, inconvenience, third-party disclosure, representation, or a cease request. A callback message can satisfy one narrow state clause and still be impermissible under another applicable rule.\n\n## C2. Counseling-resource document: actual body and dates\n\nThe currently linked Commerce document was retrieved and visually inspected:\n\n**URL:** https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf\n\nIt is one page, printed **August 2023**, with the required multilingual nonendorsement text and three counseling-organization contact groups. This establishes the body presently linked from the public page—not current eligibility or service quality of those organizations. [C004, C017.] [mn.gov // Minnesota's State Portal+1](https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf)\n\n| Event | Verified date or clock |\n| --- | --- |\n| Statutory section effective | July 1, 2022 |\n| Commissioner’s initial document completion deadline | July 1, 2023 |\n| Agency inclusion requirement applicable | On or after September 1, 2023 |\n| Earliest first commissioner update | September 1, 2024 |\n| Later agency implementation after notice of an update | 120 days after receiving commissioner notice |\n| Retrieved document’s printed revision | August 2023 |\n\nThe statute permits updates no more than annually. No later update-notification history was established. [C003–C004.] [MN Revisor](https://www.revisor.mn.gov/laws/2022/0/70/)\n\n**Interpretive limit:** The statute’s reference to “initial written communication” and its following “if the initial communication” condition should not be silently rewritten. No controlling interpretation was located resolving every oral-first sequence. The examples include the sheet with the first mailed notice without purporting to adjudicate that wording issue.\n\nNo text-message attachment implementation, combined notice layout, or current notification recipient list was certified.\n\n## C3. Who actually receives the “reports” or “free access”?\n\nThree provisions must not be converted into a universal debtor-file right:\n\n| Provision | Actual beneficiary/purpose | What it does not establish |\n| --- | --- | --- |\n| **§332.37(a)(8)** | Client/claimant/forwarder return of claims, accounting, and reports | A debtor’s general right to a complete free file within those client-accounting clocks |\n| **§332.40** | Commissioner’s examination, investigation and access to books/records | A debtor’s equivalent free inspection right |\n| **§332.42** | Regulatory financial information and record preservation | A universal debtor-requested document checklist or a separate 30-day validation regime |\n\nNo responsive body read here establishes a general Minnesota requirement to supply every original contract, assignment, creditor ledger and investigation record on any debtor request. The **federal triggered verification duties remain**, and stronger contractual, sector-specific, FCRA, litigation or other legal rights may apply. Those must be established under their own authority. [C021–C022.] [MN Revisor+2](https://www.revisor.mn.gov/statutes/cite/332.42)\n\n# D. Contact, privacy, consent, and cessation\n\n## D1. Time, place, work and representation\n\n| Issue | Governing predicate and effect | Exceptions or limits |\n| --- | --- | --- |\n| **Time** | Absent contrary circumstances, before 8 a.m. and after 9 p.m. at the consumer’s location are inconvenient. Known inconvenient times can be narrower. | The ordinary hours are not a permission window overriding other restrictions. |\n| **Electronic timing** | Commentary uses the time the collector **sends** the email/text, not when opened. | Ambiguous locations require the rule’s location analysis. |\n| **Inconvenient place** | No communication or attempt at a place known or reasonably known to be inconvenient. | A mobile address/number is not inherently tied to a place; actual knowledge matters. |\n| **Employment** | No covered contact at work when the collector knows or has reason to know the employer prohibits it. | A statement that personal calls are prohibited can provide the necessary information. |\n| **Known representation** | When the collector knows the consumer has counsel for the debt and knows or can readily ascertain counsel’s name/address, direct contact is restricted. | Specified nonresponse, attorney-consent, direct prior consumer-consent or court-permission predicates must actually fit. |\n| **Consumer-initiated response** | A narrowly responsive interaction can be permitted under the commentary’s conditions. | It does not erase knowledge of representation or permanently waive an inconvenient-time/place restriction. |\n\nNo magic word is required to establish inconvenience. Consent for these exceptions must satisfy the rule’s direct-to-this-collector requirement; an original creditor’s generic contract is not automatically enough. [C024–C026.] [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t15/s1692c/)\n\n## D2. Who may be contacted?\n\nFor §1006.6’s communications rules, “consumer” includes the specified spouse, parent of a minor, guardian, executor/administrator or authorized estate representative, and confirmed successor-in-interest categories. This communications classification **does not establish personal liability** for the debt.\n\nOther permitted recipients include the consumer’s attorney, a consumer reporting agency when otherwise permitted, the creditor, and the specified creditor/collector attorneys. Location-information contacts have their own narrower rules. [C027–C029.] [U.S. Code+2](https://uscode.house.gov/us/usc/119-120/t15/s1692b/)\n\n### Location inquiries\n\nThe collector must use the prescribed identification and location-confirmation approach, generally not disclose the debt, and ordinarily not contact the same third party more than once unless a specified reason permits another contact. Employer identity is disclosed only if expressly requested under the location rule. Postcards and revealing envelopes are restricted.\n\nA request that a neighbor make the consumer call the collector is not automatically a lawful location inquiry. Minnesota’s listed-number callback restriction must also be applied.\n\nFor deceased consumers, identifying the authorized estate representative is different from demanding payment from an unverified relative. [C029, C065.]\n\n## D3. Whole-debt cessation versus medium-specific requests\n\n| Request/event | Trigger | Effect |\n| --- | --- | --- |\n| Written refusal to pay or request to cease further communication | Collector receives it; accepted electronic channels can qualify | No further covered communication about the debt except the three statutory categories: termination of efforts, specified ordinary remedies, or intended specified remedy |\n| Oral request to stop a particular medium/number/address | The request meets §1006.14(h)’s scope | Stop using that medium/destination, subject to the narrow exceptions |\n| Email/text opt-out | Electronic communications/attempts require a reasonable, simple opt-out method | Opt-out must be honored; no demand for unrelated information |\n| Consumer later initiates a communication | Apply the particular rule’s response exception and the facts | A one-response or narrowly responsive interaction is not general reauthorization |\n| Timely written dispute | Separate verification-pause rule | It is not the same thing as a whole-debt cease request |\n| Both cease request and dispute | Both applicable conditions must be reconciled | Sending verification does not automatically erase the separate cease-contact protection |\n\nThe full cease/refusal notification is complete on receipt—not when placed in the mail. The limited exceptions do not extinguish the debt or authorize otherwise unlawful remedies. [C030–C031, C053.] [U.S. Code+2](https://uscode.house.gov/us/usc/119-120/t15/s1692c/)\n\n## D4. Telephone frequency\n\n| Rule | Exact distinction |\n| --- | --- |\n| Seven-call framework | More than seven placed calls to a particular person about a particular debt within seven consecutive days creates the stated presumption. |\n| After a conversation | Calls within the seven-consecutive-day period following the relevant telephone conversation create the separate presumption; commentary counts the conversation date as day one. |\n| Calls that ring or reach voicemail | Count unless an actual exclusion applies. |\n| Calls that do not connect | The rule excludes the specified nonconnecting calls; an unanswered ringing call is not automatically excluded. |\n| Direct voluntary prior consent | The limited exclusion has a maximum seven-day duration and can end earlier through revocation, a shorter instruction, or the relevant conversation. |\n| Certain professional recipients | Specified calls are excluded from this numerical calculation. |\n| Other media | Email/text volume is not added mechanically to the telephone count, but combined conduct can still be harassing. |\n| Presumptions | Neither seven calls nor an excluded call establishes compliance with all other law. |\n\nA single abusive call can violate the general prohibition. Closely clustered calls can rebut a presumed-compliant pattern. [C032–C034.] [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/)\n\n## D5. Email, text, wrong-party and public-media controls\n\n| Route or event | Conditions actually established |\n| --- | --- |\n| Consumer uses an email address with this collector about the debt | Relevant route requires the stated facts and absence of opt-out; it does not waive other restrictions. |\n| Consumer supplies an optional email field | Direct consent can depend on clear, conspicuous disclosure that it will be used for debt communications. The blank field alone is not universal consent. |\n| Creditor supplies an email address | The prescribed route requires prior use, a specific transfer/opt-out notice, at least a 35-day response period, waiting/no opt-out, and domain/employer-address conditions. |\n| Prior collector supplies an address | The prior and current procedural predicates must actually be met. |\n| Text messages | Apply the specified consumer-use/direct-consent route and its 60-day use, renewed-consent or qualifying reassignment-check conditions. A telephone conversation is not automatically texting consent. |\n| Employer-provided email | Generally restricted, with the specified consumer-use/direct-consent or qualifying prior-collector routes. |\n| Wrong-party notification | Actual notice of a prohibited disclosure defeats reliance on lack of knowledge under the identified procedures. |\n| Public social-media message | Prohibited when visible to the public or the person’s social-media contacts. A private message still requires the other rules. |\n| Required disclosure after opt-out | An opted-out address/number cannot be used merely because the communication is mandatory. |\n\nThe email/text procedures are relevant to the specified bona-fide-error treatment for unintentional third-party disclosure. They are **not general immunity or a universal consent rule**. [C035–C038, C050.] [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/)\n\n# E. Initial disclosures, validation, disputes and verification\n\n## E1. Initial versus later disclosure duties\n\nThe FDCPA requires the full collection-purpose/use-of-information disclosure in the initial written communication and, when initial contact is oral, the initial oral disclosure plus the first written disclosure. Subsequent communications require the specified debt-collector identification. Formal pleadings have the stated exception. Accurate translations must satisfy the applicable rule rather than substitute incomplete wording. [C023.] [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t15/s1692e/)\n\nThese federal duties coexist with Minnesota’s licensed-name and initial-mail requirements. This report supplies no personalized script or approved combined form.\n\n## E2. Validation notice trigger and contents\n\nUnder §1006.34, validation information is supplied in the initial communication, within five days afterward, or orally in the initial communication as the rule permits. The paid-before-follow-up exception is limited to its stated facts.\n\nThe five-day follow-up requirement is **not the same clock** as the five-day assumed-receipt calculation. No weekend/holiday extension for the follow-up deadline is assumed in the examples, which send the notice the next day. [C039.] [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t15/s1692g/)\n\n| Content category | Required information, subject to the precise rule |\n| --- | --- |\n| Collector and consumer | Collector name/mailing address for disputes and original-creditor requests; consumer name/address |\n| Debt identity | Current creditor; creditor at itemization where the consumer-financial-product provision applies; account number or permitted truncation |\n| Itemization reference | One permissible reference date: last statement, charge-off, last payment, transaction, or judgment date |\n| Amounts | Itemization-date amount; itemized interest, fees, payments and credits since that date; current amount |\n| Rights | End date of the validation period; dispute, verification and original-creditor rights; required consumer-protection statement |\n| Response portion | Required response prompts, dispute reasons and original-creditor-request option; applicable electronic contact information |\n\nThe selected itemization date must be used consistently for that collector’s disclosures for that debt. Another collector may select a different permitted date. Zero-valued required itemization categories are not silently omitted. [C040.] [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n### Receipt and the validation period\n\nThe period begins when validation information is provided and ends 30 days after actual or permitted assumed receipt. For the assumption, the collector may use a date at least five days after providing the notice, excluding Saturdays, Sundays and the legal public holidays identified in 5 USC 6103(a).\n\nThe 30-day interval is not converted into 30 business days. A failed delivery cannot simply be treated as successful notice; the commentary addresses replacement notice and the ensuing period. [C041.] [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/)\n\n### Form safe harbor is limited\n\nModel-form treatment under §1006.34 is limited to the specified information and format requirements. It does not establish debt validity, all communications compliance, or Minnesota compliance.\n\nState-required disclosures can be accommodated only under the applicable additional-information placement rules and state requirements. The Minnesota relative-font requirement and resource sheet must not be omitted merely because a federal model was used. No finished form or layout was tested here. [C042.] [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n## E3. Dispute and original-creditor request matrix\n\n| Event | Legal effect | What it does not establish |\n| --- | --- | --- |\n| **Oral dispute** | Can dispute the debt; relevant to accuracy and known-dispute representations | Does not by itself trigger the written-dispute verification pause |\n| **Written dispute submitted within validation period** | Upon receipt, cease collection of the debt or disputed portion until the applicable written/electronic verification or judgment response is sent | No automatic 30-day response deadline |\n| **Accepted email/portal dispute** | Can satisfy “in writing” under the official commentary | A consumer need not obtain the seller-style E-SIGN consent used for certain outgoing disclosures |\n| **Timely written original-creditor request** | Upon receipt, cease collection until the required name/address response, or the specific same-creditor notification route, is completed | Current-creditor information alone does not justify ignoring the request |\n| **Partial dispute** | Pause applies to the disputed portion, unless another request or restriction requires a broader pause | Amount and other contact restrictions still matter for the remainder |\n| **Duplicate dispute** | Narrow definition requires a previously answered dispute without material new information; the rule supplies a response route | No license to ignore every repeated communication |\n| **Material new information** | Not automatically a duplicate; requires the applicable treatment | The collector cannot make it duplicate merely by labeling it repetitive |\n| **Late dispute** | The specific timely-written pause is not automatically established | False amounts, known errors, privacy, cease requests and other duties do not disappear |\n| **No dispute** | Statutory non-admission protection remains | Silence is not a judicial admission of liability |\n| **No verification response** | Affected collection cannot resume under the pause rule | Debt is not automatically paid, extinguished or adjudicated invalid |\n\nAuthorities: §1692g; §1006.38 and comments 38-1 through -3, 38(c), 38(d)(2). [C043–C049, C065.] [Consumer Financial Protection Bureau+3](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\n**Timeliness and receipt are different:** the rule addresses a dispute or request **submitted within the validation period**, while the pause obligation begins on the collector’s receipt. The examples use same-day accepted email so they do not depend on an unresolved postal-boundary fact.\n\n## E4. What verification establishes under the Eighth Circuit\n\n**Dunham v. Portfolio Recovery Associates, LLC, 663 F.3d 997, 1002–04 (8th Cir. 2011)** affirmed judgment on the particular verification record while rejecting the lower court’s conclusion that a mistakenly targeted person was not a consumer.\n\nThe identifying and account information in that case demonstrated that the collector had the wrong person. The court rejected the asserted need for more original-creditor material **on those facts** and expressly recognized that different facts might require more. It did not announce that any balance statement always suffices or that a collector may continue pursuing a person known not to owe the debt. [C048.] [ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf)\n\nTherefore, this pass does not impose—or reject for every circumstance—a universal checklist consisting of an original signed contract, every assignment, complete payment history and litigation-ready evidence. The response must be evaluated against the actual dispute and controlling law.\n\n### Verification is not all of the following\n\nIt is not automatically:\n\n- a determination of the correct defendant or ownership chain;\n- proof sufficient for judgment;\n- an answer to identity theft, discharge, limitations or standing;\n- a credit-report correction; or\n- permission to use a prohibited contact method.\n\nThose separate legal questions remain deferred except for the necessary distinction.\n\n## E5. Known disputes and credit-information communications\n\nSection 1692e(8) addresses communicating credit information known or reasonably known to be false, including failure to communicate that a debt is disputed.\n\n**Wilhelm v. Credico, Inc., 519 F.3d 416 (8th Cir. 2008)** rejected the reporting theory on its particular record but reversed summary judgment on a threat claim. This pass does not turn that decision into a complete current FCRA furnishing/update rule. If the collector communicates credit information, the known-dispute rule must be tested; the full reporting regime remains separate. [C052.] [U.S. Code+1](https://uscode.house.gov/us/usc/119-120/t15/s1692e/)\n\n## E6. Sending verification electronically\n\nSection 1006.42 requires required disclosures to be sent in a manner reasonably expected to provide actual notice and in a form the consumer can retain and access.\n\nIts express E-SIGN requirement covers the specified **follow-up validation notice**, original-creditor response, and verification response. An initial electronic validation notice is not simply treated as identical to every later electronic disclosure. An email opt-out or known delivery failure matters independently. [C050–C051.] [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/)\n\nThe underlying E-SIGN consumer-consent provision was read in an official **2024** edition after the attempted updated routes failed. It requires more than a generic contract checkbox: affirmative consent, disclosures about paper/withdrawal/scope, access requirements, and the specified demonstration of electronic access. No actual consent or 2026-complete E-SIGN source chain is certified. [GovInfo](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm)\n\n# F. Published decisions, authority, and currentness\n\n## F1. Decisions actually read\n\n| Decision | Holding/posture used | Limits |\n| --- | --- | --- |\n| **Dunham, 663 F.3d 997 (8th Cir. Dec. 15, 2011)** | Wrongly targeted natural person can be a consumer; verification sufficient on that record; judgment affirmed on alternative reasoning. | No universal document minimum or maximum; the court did not resolve every “debt” predicate. |\n| **Wilhelm, 519 F.3d 416 (8th Cir. Mar. 3, 2008)** | Reporting claim rejected on its record; threat claim remanded; fact-specific clerical-error defense discussed. | No current complete FCRA rule or universal bona-fide-error defense. |\n| **Scheffler v. Gurstel Chargo, P.A., 902 F.3d 757 (8th Cir. Aug. 27, 2018)** | Affirmed summary judgment where specified remedy communication and a narrow response to the consumer’s initiated question did not violate the cease provision. | The waiver was for answering that question—not blanket future contact permission. No garnishment-procedure analysis imported. |\n| **Reygadas v. DNF Associates, LLC, 982 F.3d 1119 (8th Cir. Dec. 14, 2020)** | Principal-purpose classification upheld on the record; judgment vacated because the necessary liability/agency analysis was not established. | Not all purchasers are covered; no automatic imputation of every actor’s knowledge. |\n\nAll four official appellate PDFs were read in the relevant majority portions and dispositions; relevant pages were visually inspected. No unpublished opinion, headnote, dissent or quoted underlying decision is represented as a newly read controlling body. No complete subsequent-history or citator review was performed. [C012, C048, C052–C053.] [U.S. Court of Appeals+3](https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf)\n\n## F2. State protection and federal authority\n\nSection 1692l(d) supplies rulemaking authority; §§1692k and 1692l address liability and enforcement separately. Section 1692n and §1006.104 preserve state law except to the extent of inconsistency and do not treat greater state consumer protection as inconsistent merely for being greater.\n\nThis does not establish that every provision of Regulation F is automatically a Minnesota licensing rule, nor that a federal safe harbor resolves every independent state obligation. Full remedies, defenses, and enforcement proceedings remain deferred. [C055, C064.] [U.S. Code+3](https://uscode.house.gov/us/usc/119-120/t15/s1692k/)\n\n## F3. Currentness and conflict matrix\n\n| Material | Freshly established status | Remaining qualification |\n| --- | --- | --- |\n| Minnesota current sections | Displayed 2025 bodies; targeted 2026 regular-session index checked | Not a complete later/special-session certification |\n| 2021 Chapter 4, art. 5, §17 | Buyer inclusion, updated recorded-message/name/initial-mail provisions; effective August 1, 2021 | Historical earlier language not reused |\n| 2022 Chapter 70, §3 | Counseling document and staged dates established | Current update-notification history not obtained |\n| 2026 Chapter 124, §57 | Narrow servicer exclusion effective August 1, 2026 | Not actor approval or federal exemption |\n| Chapter 2870 | Current codification consists of repeal notices; 2014 repealer read | Exact original effective-date chain not reconstructed; webpage publication is not legal effect |\n| FDCPA official text | OLRC through Public Law 119-120, October 7, 2026 | No later-enactment certificate |\n| Regulation F | eCFR through October 23, 2026; actual CFPB rule/commentary bodies read | Title update date is not asserted as each section’s amendment date |\n| 2020 and 2021 final rules | Both relevant sets effective November 30, 2021 | Proposed January 29, 2022 delay was withdrawn |\n| 2022 correction | Effective November 1, 2022; restored omitted commentary, including electronic written disputes and estate treatment | Not a new universal substantive debt-validation clock |\n| Counseling PDF | Currently linked document printed August 2023 | “Currently linked” is not a claim of a 2026 revision |\n| E-SIGN | Official 2024 operative consumer-consent text recovered | Updated route failed; currentness hold retained |\n| Federal form versus state notice | Federal safe harbor and state font/document requirements differ | No completed combined notice approved |\n| LCM versus state identification | Different definitions and triggers | No automatic state exemption |\n| Follow-up disclosure wording | Operative first-written disclosure rule and validation-form commentary must be read together | Examples use the full initial written disclosure; no abbreviated-template approval |\n| State record provisions | Regulator/client rights differ from consumer validation rights | No invented universal free-copy right |\n\nSources: S009–S018, S038–S044. [C001–C007, C056.] [MN Revisor+5](https://www.revisor.mn.gov/laws/2021/1/4/)\n\n# G. Sixteen new fictional postures\n\n| Posture | Fictional facts | Next step or hold |\n| --- | --- | --- |\n| **P01 — Original creditor** | Retailer pursues its own consumer invoice under its genuine name | Do not assume federal collector coverage; do not assume all state/sector law disappears. |\n| **P02 — False outside name** | Same retailer uses a name suggesting an independent collector | Reassess both federal false-name and state anti-evasion provisions. |\n| **P03 — Principal-purpose buyer** | Buyer’s business purpose is collecting purchased debts through vendors | Apply the actual principal-purpose facts; outsourcing is not dispositive. |\n| **P04 — Servicer timing** | Servicer obtained the account before default | Federal exclusion may matter; state exclusion requires its own facts. |\n| **P05 — Attorney collector** | Lawyer regularly collects consumer debts | State actor exclusion does not establish FDCPA exemption. |\n| **P06 — Wrong person** | Notice reaches a same-name person who denies the debt | Do not deny consumer status solely because the person does not actually owe it. |\n| **P07 — LCM** | Neutral-business-name voicemail contains only permitted fields | Federal LCM classification remains conditional; state full-name/DBA rule must also fit. |\n| **P08 — Listed number/neighbor** | Collector asks a neighbor to have debtor call | State callback rule and federal location/privacy limits apply independently. |\n| **P09 — Work restriction** | Consumer says employer prohibits personal collection calls | Do not rely on ordinary calling hours or a callback exception to continue. |\n| **P10 — Representation** | Collector knows counsel and can ascertain counsel’s address | Direct consumer contact requires an actual exception; a later inbound question is not blanket waiver. |\n| **P11 — Oral dispute** | Consumer orally contests $120 | Accuracy and disputed-status duties matter; written-verification pause is not automatic. |\n| **P12 — Written partial dispute plus original-creditor request** | Accepted email timely raises both | Original-creditor request can require broader pause than the $120 portion alone. |\n| **P13 — Repeated dispute/new proof** | Consumer repeats request but adds a material payment record | Not automatically a duplicate dispute. |\n| **P14 — Email opt-out** | Consumer stops one email address | Stop that destination; do not equate it automatically with debt-wide cessation. |\n| **P15 — Wrong-number text** | Recipient reports that the number belongs to someone else | Actual knowledge affects privacy procedures; a voice-call history is not texting consent. |\n| **P16 — Estate relative** | Adult child is contacted after death but has no established authority | Do not equate family relationship with authorized estate representative or personal liability. |\n\nThese are conditional applications, not actual actor findings. [C061, C065.]\n\n# H. Four fully worked fictional event examples\n\n## Common conditions\n\nEach example assumes an ordinary unsecured consumer debt, an actor subject to the identified federal provisions, and applicable Minnesota agency/buyer conduct duties unless a branch expressly changes that fact.\n\nNo legal validity, license status, actual authorization, or consumer identity is established. Dates are fictional **2026** dates. No script, contact, submission or real deadline is produced.\n\n## Example 1 — Initial call, mailed validation, itemization and receipt calculation\n\n### Facts and arithmetic\n\n- Tuesday, **September 8**, 10 a.m.: first actual consumer telephone communication, at a convenient time, without representation or cease-contact restriction.\n- Required initial oral collection disclosure is assumed.\n- Complete oral validation information is **not** assumed.\n- Wednesday, **September 9**: complete written validation notice mailed.\n- Itemization date: August 31, a permitted last-statement date.\n- Starting balance: $1,000.\n- Subsequent lawful interest assumed: $20.\n- Fees: $0.\n- Payment already credited: $100.\n- Other credits: $0.\n\nPlain text\n```\n$1,000 + $20 + $0 − $100 − $0 = $920 current balance.\n```\n\nThe itemization does not prove the interest is lawful; that is an express model assumption.\n\n### Event analysis\n\n| Event | Rule/trigger | Result |\n| --- | --- | --- |\n| September 8 phone communication | §§1692e(11), 1692g; §§1006.18(e), .34(a) | Initial oral disclosure applies; follow-up validation obligation remains. |\n| September 9 mailing | Next day, well within the five-day follow-up requirement | No weekend-extension rule is needed. |\n| First mailed Minnesota contact | §332.37(a)(23) | Prescribed licensing statement and relative-font requirement included. |\n| Counseling document | §332.365 | Model includes the currently linked sheet; oral-first wording ambiguity is not used to omit it. |\n| Written disclosure | Operative §1006.18(e)(1) | Model includes the full initial written disclosure; no abbreviated-form conclusion. |\n| Amount fields | §1006.34(c) | Required itemization categories and rights/response information supplied, including zeros. |\n\n### Assumed receipt calculation\n\nThe model uses the permitted five-day minimum assumption, excluding Saturdays, Sundays and §6103(a) holidays:\n\n| Count | Date |\n| --- | --- |\n| 1 | Thursday, September 10 |\n| 2 | Friday, September 11 |\n| — | September 12–13 excluded |\n| 3 | Monday, September 14 |\n| 4 | Tuesday, September 15 |\n| 5 | Wednesday, September 16 |\n\nNo listed federal holiday falls in that counting interval.\n\nThe 30 days after September 16 are:\n\nPlain text\n```\nSeptember 17–30: 14 days\nOctober 1–16:   16 days\nTotal:          30 days\n```\n\n**Stated validation end date: October 16.** Weekends and October 12 are not removed from this separate 30-day interval.\n\nIf the notice is returned undeliverable, this model’s successful-notice assumption fails; replacement delivery and a new period require analysis. There is no automatic 30-day blanket collection moratorium merely because this notice was sent, but no activity may overshadow the rights or violate another restriction. [C057; S025, S031, S033, S035, S044.]\n\n## Example 2 — Oral dispute, timely written request, pause and resumption\n\nUse Example 1’s **$920** balance and October 16 validation end date. No later payment, interest or fee occurs.\n\n| Date/event | Trigger and consequence |\n| --- | --- |\n| **September 18:** consumer orally disputes $120 | No automatic written-dispute pause; collector must still avoid false statements and apply known-dispute duties. |\n| **September 21:** collector receives accepted email disputing $120 and requesting the original creditor’s name/address | Timely written/electronic submission. The original-creditor request requires the applicable whole-debt pause; the partial dispute alone would concern $120. |\n| **September 22:** collector acknowledges receipt | An acknowledgment is not verification or the required creditor-information response. |\n| **September 25:** assumed factually adequate verification of the $120 issue is mailed, but original-creditor information is omitted | The original-creditor-request pause remains. |\n| **September 28:** proper original-creditor information is mailed | That response condition can be satisfied by sending the required response; no receipt assumption is substituted for the sending requirement. Other contact and substantive restrictions still apply. |\n| **September 30:** consumer provides materially new payment evidence | Do not dismiss it as duplicative merely because a response was previously sent. Apply the actual dispute and timing facts. |\n\n### Amount reconciliation\n\nPlain text\n```\nDisputed portion:   $120\nOther portion:      $800\nTotal:              $920\n\nPayments during example: $0\nBalance change caused by dispute: $0\nModel balance remains: $920, subject to actual substantive correction.\n```\n\nThe $120 is not subtracted merely because disputed. Nor does the model establish that it is owed.\n\n### Adverse alternatives\n\n- **No response by October 21:** there is no invented “30-day verification deadline” producing automatic extinguishment. The applicable pause remains until its condition is satisfied or collection is abandoned.\n- **Only a duplicate dispute:** the rule’s duplicate definition and response route must actually fit; silence is not assumed sufficient.\n- **A separate whole-debt cease request was also received:** verification does not automatically remove that independent contact restriction.\n- **Electronic verification instead of mail:** §1006.42(b)’s E-SIGN conditions must be satisfied; the consumer’s ability to email a dispute does not itself establish those outgoing-consent conditions.\n\n[C058; S025, S034–S035, S042–S043.]\n\n## Example 3 — Calls, conversations, workplace restrictions and third parties\n\n### Call-count branch\n\nAssume one particular person, one debt, no excluded calls, no actual conversation, and each call rings or reaches voicemail:\n\n| Date | Calls placed that day | Calls in October 1–7 |\n| --- | --- | --- |\n| October 1 | 1 | 1 |\n| October 2 | 1 | 2 |\n| October 3 | 1 | 3 |\n| October 4 | 1 | 4 |\n| October 5 | 1 | 5 |\n| October 6 | 1 | 6 |\n| October 7 | 1 | 7 |\n| October 7, additional call | 1 | **8** |\n\nThe eighth call creates the applicable presumption. The first seven are not blanket approval: concentration, known inconvenience, harassment, representation or cessation could independently prohibit them.\n\n### Conversation branch—not added to the preceding facts\n\nAssume instead a telephone conversation occurs October 7:\n\nPlain text\n```\nDay 1: October 7\nDay 2: October 8\nDay 3: October 9\nDay 4: October 10\nDay 5: October 11\nDay 6: October 12\nDay 7: October 13\n```\n\nA collector-placed call during the restricted interval requires the relevant exclusion or faces the presumption. October 14 clears **only this numerical interval**, not every contact restriction.\n\nA specific voluntary request during the October 7 conversation for an October 9 callback may fit the direct-consent exclusion. It does not authorize unlimited calls, survive revocation, or override other restrictions.\n\n### State and privacy branches\n\n| Additional fact | Consequence |\n| --- | --- |\n| Consumer says morning calls interrupt a night-shift sleep schedule | A 9 a.m. call is not saved by falling inside ordinary hours. |\n| Employer prohibits collection calls | Do not use Minnesota’s narrow workplace callback wording as permission to ignore that prohibition. |\n| Debtor has a listed number; collector asks neighbor to relay a callback | Apply Minnesota’s restriction and federal location/privacy rules. No debt disclosure is justified. |\n| Consumer’s spouse answers | Special communications definition may apply; personal liability is not established. |\n| Adult child answers without authority | Family relationship alone does not establish an authorized estate/consumer role. |\n| Known attorney representation | Call-count compliance does not supply a representation exception. |\n\nNo payment occurs and no balance changes in this example. [C059; S003, S021–S022, S028–S030.]\n\n## Example 4 — LCM, email, wrong party, opt-out and state information\n\n### Main sequence\n\n| Date/event | Governing treatment |\n| --- | --- |\n| **October 5:** collector leaves a voicemail using a stipulated neutral, Commerce-registered DBA and only the federal LCM elements | Conditional LCM: federal attempt, not communication; no federal validation clock yet. The state full-name/DBA assumption is essential. |\n| **October 6:** consumer emails a debt question from a personal address | Actual consumer use can satisfy a relevant email-address procedure; it is not universal E-SIGN consent for every required disclosure. |\n| **October 6:** collector sends a substantive first email response | This is a communication; initial federal collection disclosure applies. Simple opt-out and applicable privacy duties remain. The model includes the state counseling sheet rather than relying on a disputed exemption. |\n| **October 7:** printed validation notice is mailed to the actual current mailing address | Within the follow-up period. Required fields, first-written disclosure treatment and Minnesota initial-mail statement are separately included. |\n| **October 8:** consumer opts out of that email address | Stop using that destination. A mandatory disclosure does not authorize reuse of the opted-out address. |\n| Later consumer-initiated email | A permitted response, if any, is limited by the applicable commentary; it is not automatic reinstatement of general email campaigns. |\n\nNo endpoint is calculated here because the example concerns channel control, not a second assumed-receipt exercise.\n\n### Wrong-number branch\n\nA separate text is proposed to a number obtained from an old file. The only known event is a previous voice conversation.\n\n- That does not establish the required text procedure.\n- A 60-day/reassignment-check route must be supported by the actual facts, not a database label.\n- If the recipient reports “wrong person,” the collector cannot continue relying on absence of knowledge of a prohibited disclosure.\n- A knowingly third-party voicemail is not converted into a consumer LCM.\n- Any required notice must be redirected through an actually permissible method.\n\n### Failed-email branch\n\nIf an electronic required disclosure is returned undeliverable, §1006.42’s reasonable-expectation condition is not satisfied for that attempt. A later printed notice must be evaluated as the actual notice; an unsuccessful email is not used to shorten the validation period.\n\nNo consumer data is requested, and no live message or template is produced. [C060; S003–S004, S027–S028, S030–S035, S043.]\n\n# I. Source register\n\n**Access convention:** All “fresh” entries were accessed during the **October 27, 2026** research session. Individual fetch timestamps were not exposed. Repeated uses of one statute, rule, commentary or opinion are not independent corroborating authorities.\n\n| Source ID | Issuer and complete HTTPS URL | Actual read scope, version/effect and limitation |\n| --- | --- | --- |\n| **S_MN-P11-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 definitions body, particularly subds. 2, 3, 6, 8–9. 2025 display; no credential rerun. |\n| **S_MN-P11-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 complete displayed exclusions and 2026 warning. Requires S011 overlay; actual exclusion not determined. |\n| **S_MN-P11-S003** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.37](https://www.revisor.mn.gov/statutes/cite/332.37?utm_source=chatgpt.com) | Fresh complete operative clauses and history; relied on (a)(1)–(9), (12)–(16), (20), (22)–(23), and (b). Sector, fees and litigation not comprehensively analyzed. |\n| **S_MN-P11-S004** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.365](https://www.revisor.mn.gov/statutes/cite/332.365?utm_source=chatgpt.com) | Fresh complete section and history. Document, media, update and 120-day conditions. |\n| **S_MN-P11-S005** | 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. No actual agency-liability finding. |\n| **S_MN-P11-S006** | 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-P11-S007** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.40](https://www.revisor.mn.gov/statutes/cite/332.40?utm_source=chatgpt.com) | Fresh examination/access body; recipient and regulator purpose checked. Full enforcement deferred. |\n| **S_MN-P11-S008** | Revisor — [https://www.revisor.mn.gov/statutes/cite/332.42](https://www.revisor.mn.gov/statutes/cite/332.42?utm_source=chatgpt.com) | Fresh complete financial-record/retention body. Not a debtor-access substitute. |\n| **S_MN-P11-S009** | 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 art. 5 §17, complete conduct amendment and express August 1, 2021 date; relevant adjacent provisions inspected. Not entire act. |\n| **S_MN-P11-S010** | 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 §3, all staged dates and signature. Agency compliance from September 1, 2023 distinguished from section effectiveness. |\n| **S_MN-P11-S011** | 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 §57 operative exclusion amendment and adjacent boundary. No fresh full-act sequential analysis. |\n| **S_MN-P11-S012** | 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-date and 12:01 a.m. rules. |\n| **S_MN-P11-S013** | 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 effective-date statement. Official secondary chronology; reviewed act-level classification remains attributed context. |\n| **S_MN-P11-S014** | 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 entries. Regular-session index, not full later-law certification. |\n| **S_MN-P11-S015** | Revisor rules — [https://www.revisor.mn.gov/rules/2870/full](https://www.revisor.mn.gov/rules/2870/full?utm_source=chatgpt.com) | Fresh current repeal notices/history. No old operative rule used. |\n| **S_MN-P11-S016** | 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 art. 1 §58 rule repealer and adjacent boundary. Exact historical general effective-date chain not reconstructed. |\n| **S_MN-P11-S017** | Commerce — [https://mn.gov/commerce/money/non-depository/debt-services/](https://mn.gov/commerce/money/non-depository/debt-services/?utm_source=chatgpt.com) | Fresh narrow counseling-document link and description. Other operational subjects not adopted. |\n| **S_MN-P11-S018** | Commerce — [https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf](https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf?utm_source=chatgpt.com) | Fresh complete one-page sheet; visually inspected; printed August 2023. No organization status check or update-notification history. |\n| **S_MN-P11-S019** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692a/](https://uscode.house.gov/us/usc/119-120/t15/s1692a/?utm_source=chatgpt.com) | Fresh complete relevant definitions and notes. Through PL119-120, October 7, 2026. |\n| **S_MN-P11-S020** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692b/](https://uscode.house.gov/us/usc/119-120/t15/s1692b/?utm_source=chatgpt.com) | Fresh complete location-information provision. Same currency limit. |\n| **S_MN-P11-S021** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692c/](https://uscode.house.gov/us/usc/119-120/t15/s1692c/?utm_source=chatgpt.com) | Fresh complete communications, third-party, cease and expanded-consumer provisions. |\n| **S_MN-P11-S022** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692d/](https://uscode.house.gov/us/usc/119-120/t15/s1692d/?utm_source=chatgpt.com) | Fresh complete harassment provision. |\n| **S_MN-P11-S023** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692e/](https://uscode.house.gov/us/usc/119-120/t15/s1692e/?utm_source=chatgpt.com) | Fresh complete false/misleading-representation body; particularly (5), (8), (10)–(11), (14). |\n| **S_MN-P11-S024** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692f/](https://uscode.house.gov/us/usc/119-120/t15/s1692f/?utm_source=chatgpt.com) | Fresh operative unfair-practice body; necessary unauthorized-amount, envelope and security-interest distinctions. |\n| **S_MN-P11-S025** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692g/](https://uscode.house.gov/us/usc/119-120/t15/s1692g/?utm_source=chatgpt.com) | Fresh complete validation/dispute provision, including no-admission and excluded communications. |\n| **S_MN-P11-S026** | OLRC — [https://uscode.house.gov/us/usc/119-120/t15/s1692k/](https://uscode.house.gov/us/usc/119-120/t15/s1692k/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1692l/](https://uscode.house.gov/us/usc/119-120/t15/s1692l/?utm_source=chatgpt.com) ; [https://uscode.house.gov/us/usc/119-120/t15/s1692n/](https://uscode.house.gov/us/usc/119-120/t15/s1692n/?utm_source=chatgpt.com) | Fresh relevant liability/defense, enforcement/rulemaking and state-law provisions. Same underlying statute; no damages or limitations model. |\n| **S_MN-P11-S027** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/2/](https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com) | Fresh relevant operative definitions and official commentary, including attempt, communication, consumer, collector and LCM. |\n| **S_MN-P11-S028** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/6/](https://www.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/](https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/?utm_source=chatgpt.com) | Fresh complete relevant rule and commentary: inconvenience, representation, employment, cease, third parties, electronic procedures and opt-outs. Same rule/commentary, not independent authority. |\n| **S_MN-P11-S029** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/10/](https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com) | Fresh operative location-information rule and commentary. |\n| **S_MN-P11-S030** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/14/](https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/](https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/?utm_source=chatgpt.com) | Fresh relevant full telephone-frequency, exclusions, general harassment and medium-restriction bodies/comments. |\n| **S_MN-P11-S031** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/18/](https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com) | Fresh relevant operative body and comments; disclosures, false names/amounts/threats, translation. |\n| **S_MN-P11-S032** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/22/](https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com) | Fresh necessary unauthorized-amount, envelope, employer-email, social-media and electronic safe-harbor text. |\n| **S_MN-P11-S033** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/34/](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/](https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/?utm_source=chatgpt.com) | Fresh relevant rule and official commentary: initial notice, reference dates, receipt, fields, response, format/safe harbor and state additions. Special mortgage regime not analyzed. |\n| **S_MN-P11-S034** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/38/](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com) ; [https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/](https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/?utm_source=chatgpt.com) | Fresh complete operative dispute/original-creditor/duplicate provisions and commentary, including electronic writing and estates. |\n| **S_MN-P11-S035** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/42/](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com) | Fresh complete required-delivery rule and commentary; exact electronic subsection distinctions. |\n| **S_MN-P11-S036** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/100/](https://www.consumerfinance.gov/rules-policy/regulations/1006/100/?utm_source=chatgpt.com) | Fresh complete relevant retention rule/comments. No consumer-file access right inferred. |\n| **S_MN-P11-S037** | CFPB — [https://www.consumerfinance.gov/rules-policy/regulations/1006/104/](https://www.consumerfinance.gov/rules-policy/regulations/1006/104/?utm_source=chatgpt.com) | Fresh complete state-law relationship provision. |\n| **S_MN-P11-S038** | OFR/eCFR — [https://www.ecfr.gov/current/title-12/chapter-X/part-1006](https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com) | Fresh currency and history metadata, plus corresponding retrieved rule text. Display through October 23, 2026; not every appendix analyzed. |\n| **S_MN-P11-S039** | CFPB final rule, 85 FR 76734 — [https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com) | Fresh action, summary, authority discussion and DATES; November 30, 2021 effective date. HTML published-document rendition, not whole-rule/PDF verification. |\n| **S_MN-P11-S040** | CFPB final rule, 86 FR 5766 — [https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com) | Fresh relevant adoption/date discussion and selected itemization explanation; effective November 30, 2021. Not entire preamble. |\n| **S_MN-P11-S041** | CFPB withdrawal, 86 FR 48918 — [https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date](https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date?utm_source=chatgpt.com) | Fresh operative withdrawal and explanation. Proposed delay withdrawn September 1, 2021; not an enacted January 2022 delay. |\n| **S_MN-P11-S042** | CFPB correction, 87 FR 65668 — [https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections](https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections) | Fresh effect, explanation and corrected §1006.38 introductory comments. Effective November 1, 2022. Credit-reporting subsection not analyzed as a full furnishing regime. |\n| **S_MN-P11-S043** | GPO, 2024 USC — [https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm](https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm?utm_source=chatgpt.com) | Fresh §7001(c) and necessary surrounding validity/retention text. Dated official recovery; updated route failed. |\n| **S_MN-P11-S044** | OLRC — [https://uscode.house.gov/us/usc/119-120/t5/s6103/](https://uscode.house.gov/us/usc/119-120/t5/s6103/?utm_source=chatgpt.com) | Fresh subsection (a) holiday list; subsection (b) not mechanically imported as the Reg F receipt rule. |\n| **S_MN-P11-S045** | Eighth Circuit — [https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf](https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf?utm_source=chatgpt.com) | Fresh official *Dunham*, ten pages; relevant majority analysis and disposition, slip pp. 5–10; relevant page visually inspected. |\n| **S_MN-P11-S046** | Eighth Circuit — [https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf](https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf?utm_source=chatgpt.com) | Fresh official *Wilhelm*, nine pages; relevant reporting/threat/defense analysis and disposition; page visually inspected. |\n| **S_MN-P11-S047** | Eighth Circuit — [https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf](https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf?utm_source=chatgpt.com) | Fresh official *Scheffler*, nine pages; relevant cease/request/response analysis and disposition; page visually inspected. |\n| **S_MN-P11-S048** | Eighth Circuit — [https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf](https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf?utm_source=chatgpt.com) | Fresh official *Reygadas*, twelve pages; classification and agency/knowledge disposition; relevant page visually inspected. |\n\n### Failed routes, discovery-only material, and search limits\n\n| Route/material | Actual outcome | Consequence |\n| --- | --- | --- |\n| https://uscode.house.gov/us/usc/119-120/t15/s7001/ | Failed retrieval | No updated E-SIGN body claimed |\n| https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section7001&num=0&edition=prelim | 404 | S043 is the disclosed 2024 recovery |\n| https://www.revisor.mn.gov/statutes/cite/332.36 | Repeal notice | Not used as an operative consumer right |\n| https://www.revisor.mn.gov/statutes/cite/332.43 | Receivership provision | Not treated as ordinary debtor-access authority |\n| https://www.revisor.mn.gov/statutes/cite/332.311 | Administrative-transfer provision | Not a validation/dispute source |\n| Proposed federal delay | Withdrawn proposal | January 29, 2022 not used as operative effective date |\n| General guides, state-debt/tax pages and commercial summaries | Discovery only | Not substituted for ordinary consumer operative law |\n| Search-result nonfinal recommendation | Not opened or relied upon | No recommendation treated as a final holding |\n\nThe bounded state search used exact combinations of **332.37**, **332.365**, *dispute*, *verification*, *written explanation*, *records*, and official court/Commerce/Revisor domains. No responsive Minnesota published majority or binding final administrative construction was located and opened resolving the LCM/state-name interaction, oral-first resource-sheet wording, or universal free-file/verification checklist.\n\nThat is not proof that no such authority exists. The four cited appellate opinions were recovered from official court PDFs; no primary-opinion republication is relied upon in this pass.\n\n# J. Atomic claim register\n\n“High—text” means the opened wording supports the claim within the stated version. “Conditional” requires actual facts. “Held” identifies missing interpretation or evidence.\n\n| Claim | Actor/predicate, step/clock and consequence | Authority/pinpoint | Confidence/limit |\n| --- | --- | --- | --- |\n| **C001** | Source currency is limited to stated Minnesota/USC/eCFR versions | S001–S016, S019–S038 | High version finding; no all-later-law certificate |\n| **C002** | 2021 §17 conduct changes effective August 1, 2021 | S009, art.5 §17 | High—enacted text |\n| **C003** | Counseling section has distinct 2022/2023/update dates | S010 §3 | High—text |\n| **C004** | Currently linked sheet is one page, printed August 2023 | S017–S018 | Fresh access, historical revision |\n| **C005** | 2026 servicer exclusion is scope-limited and not federal immunity | S002,S011–S013 | High narrow finding |\n| **C006** | Chapter2870 old rules are repealed in current codification | S015–S016 | Current status high; exact historical date chain held |\n| **C007** | Regulation F adoption/correction dates differ from proposed delay | S039–S042 | High selected chain |\n| **C008** | State collection/buyer predicates differ from federal ones | S001–S002 | High—text; actual actor unknown |\n| **C009** | Federal consumer/debt definitions require alleged natural-person obligation and consumer purpose | S019(3),(5) | High—text |\n| **C010** | Own-creditor, false-name and principal-purpose analysis cannot be collapsed | S006; S019(4),(6) | Conditional application |\n| **C011** | Servicer, employee, affiliate, attorney and security-interest predicates are rule-specific | S019(6); S027 | High—text; broader actor analysis deferred |\n| **C012** | *Reygadas* supports classification on its record but rejects automatic liability imputation | S048 pp.7–12 | Published controlling-circuit construction, fact-limited |\n| **C013** | Communication and attempt have different triggers | S019(2); S027(b),(d) | High—text |\n| **C014** | LCM is only the specified consumer voicemail, still an attempt | S027(j) and comments | High—text; no generic email/text LCM |\n| **C015** | Minnesota requires licensed full name or registered DBA on collection attempts | S003(a)(16) | High—text; LCM harmonization held |\n| **C016** | Initial MN mail contact requires prescribed licensing disclosure and relative font | S003(a)(23) | High—text; no template approved |\n| **C017** | Specified initial written contacts require commissioner resource document | S004(2); S018 | High text; oral-first phrasing/application held |\n| **C018** | State threats, deceptive authority, shaming and fabricated documents face specific prohibitions | S003(a)(1)–(7),(9),(22) | High—text |\n| **C019** | Express instruction triggers state automated-recorded-message restriction | S003(a)(13) | High—text; broader TCPA not reviewed |\n| **C020** | Listed-number callback restriction and exceptions are independent of federal privacy/work rules | S003(a)(15) | High—text |\n| **C021** | State client reports/regulator access are not universal debtor-file rights | S003(a)(8); S007–S008 | High recipient distinction |\n| **C022** | No separate universal MN30-day validation/free-document checklist was established | Read state bodies and search | Bounded finding, not all-law absence |\n| **C023** | Initial oral/first written and later federal disclosures differ | S023(11); S031(e) | High—text |\n| **C024** | Time/place restrictions depend on knowledge; electronic send time matters | S021(a)(1); S028(b)(1), comments | High—text |\n| **C025** | Known representation restricts direct contact with specified exceptions | S021(a)(2); S028(b)(2),(4) | High—text; actual knowledge/agency needed |\n| **C026** | Known employer prohibition independently restricts workplace contact | S021(a)(3); S028(b)(3) | High—text |\n| **C027** | Expanded communications-consumer categories do not prove personal liability | S021(d); S028(a) | High definition; liability separate |\n| **C028** | Third-party contacts require a permitted recipient or actual exception | S021(b); S028(d) | High—text |\n| **C029** | Location inquiries have limited content/frequency; callback relay is not automatically location inquiry | S020; S029; S003(a)(15) | High—text |\n| **C030** | Written/accepted-electronic cease/refusal becomes complete on receipt | S021(c); S028(c), comments | High—text; three exceptions preserved |\n| **C031** | Medium restriction/opt-out differs from whole-debt cessation | S030(h); S028(e) | High—text |\n| **C032** | Seven-call and post-conversation presumptions are not universal permissions | S030(b)(1)–(2) | High—text |\n| **C033** | Call counting/exclusions differ from email/text/general harassment | S030(b), comments | High—text |\n| **C034** | Voluntary direct call consent has specific duration/termination limits | S030(b)(3), comments | High—text |\n| **C035** | Email procedures require actual route-specific facts | S028(d)(3)–(4), comments | High—text; not blanket consent |\n| **C036** | Text procedure’s freshness/reassignment conditions are not satisfied by any old phone number | S028(d)(5) | High—text |\n| **C037** | Simple opt-out and known wrong-party facts affect continued contact | S028(d)(3),(e); S030(h) | High—text |\n| **C038** | Employer email/public social media have additional restrictions | S032(f)(3)–(4) | High—text |\n| **C039** | Initial validation timing, paid-debt exception and excluded initial communications are specific | S025(a),(d)–(e); S033(a),(b)(2) | High—text |\n| **C040** | Validation fields and consistent reference-date itemization are required | S033(b)(3),(c) | High—text |\n| **C041** | Assumed receipt excludes stated weekends/holidays;30-day period is separate | S033(b)(5), comments; S044(a) | High—text; actual delivery facts matter |\n| **C042** | Model-form safe harbor does not eliminate separate state requirements | S033(d); S003–S004 | High limited-scope conclusion |\n| **C043** | Oral dispute need not trigger written-verification pause | S025(a)–(b); S034(d)(1) | High—text; other accuracy duties remain |\n| **C044** | Timely written submission triggers pause upon receipt for debt/disputed portion | S034(d)(2)(i); S025(b) | High—text |\n| **C045** | Original-creditor request has separate response/pause conditions | S034(c); S025(b) | High—text |\n| **C046** | Duplicate-dispute treatment is narrow; material new information matters | S034(a)(1),(d)(2)(ii) | High—text |\n| **C047** | No30-day verification-response deadline or automatic extinguishment follows | S025(b); S034 | High textual consequence |\n| **C048** | *Dunham* verification holding is fact-specific and protects mistakenly targeted consumers | S045 pp.7–10 | Published holding; no universal packet |\n| **C049** | Silence/dispute/verification is not admission, payment or adjudication | S025(c); S034; models | High distinction |\n| **C050** | Required disclosures need actual-notice expectation and retainable/accessibility form | S035(a), comments | High—text |\n| **C051** | Outgoing electronic notice/verification requirements differ from consumer electronic writing | S035(b); S034 comments; S043(c) | E-SIGN currentness limitation retained |\n| **C052** | Known dispute affects credit-information communications; *Wilhelm* is not full FCRA update law | S023(8); S046 | Narrow published application |\n| **C053** | *Scheffler* permits its specific responsive interaction, not blanket future contact | S047 pp.6–9 | Published fact-limited holding |\n| **C054** | State and federal retention duties are not consumer-file access rights | S008; S036 | High—text; full records audit deferred |\n| **C055** | Rulemaking/enforcement and stronger-state-law preservation remain distinct | S026; S037 | High—text |\n| **C056** | Identified form/commentary/state conflicts remain bounded holds | Currentness matrix and sources | No invented harmonization |\n| **C057** | Example1’s notice and receipt/itemization calculations follow stipulated facts | Example1; C039–C042 | Fictional, not actual deadline |\n| **C058** | Example2 separates oral/written/request pauses and unchanged balance | Example2; C043–C051 | Conditional verification assumption |\n| **C059** | Example3 separates counts, conversations and independent restrictions | Example3; C024–C034 | No outreach approval |\n| **C060** | Example4 separates LCM, email, opt-out and wrong-party treatment | Example4; C014–C017,C035–C051 | Actual consent/DBA assumptions essential |\n| **C061** | Sixteen postures are conditional and do not identify an authorized actor | Section G | Hypothetical only |\n| **C062** | P01 remaining-state statement and current dimension remain separate provenance records | Supplied context | No fabricated original row |\n| **C063** | No actual account, debt validity, actor or parent-state acceptance is established | Scope/evidence limits | Express hold |\n| **C064** | Remedies/defenses were read only as necessary; no recovery or enforcement outcome calculated | S026 | Full remedies deferred |\n| **C065** | Estate notice/dispute treatment requires actual representative authority and applicable predicates | S028(a); S033 comment34(a)(1)-1; S034 comment38-3 | High text; no family-liability inference |\n\n# K. Granular coverage and exact remaining evidence\n\n| Issue | Status | Claims/examples | Missing evidence or next action |\n| --- | --- | --- | --- |\n| State collection/buyer actor definitions | **Answered textually** | C008 | Actual activity and exclusion facts |\n| Original-creditor/false-name distinction | **Answered conditionally** | C010 | Actual name, ownership and collection arrangement |\n| Federal consumer/debt purpose | **Answered** | C009 | Actual transaction purpose |\n| Debt-buyer principal purpose | **Answered with precedent** | C012 | Actual business record; not all buyers covered |\n| Servicer/default timing | **Partial application** | C011 | Acquisition/default/activity facts |\n| 2026 state servicer exclusion | **Answered narrowly** | C005 | Actual license/scope |\n| Employees/affiliates | **Partial application** | C011 | Actual statutory conditions and agency relationship |\n| Attorney coverage | **Answered distinction** | C011 | Actual regular-collection activity; ethics deferred |\n| Security-interest actor | **Boundary only** | C011 | Full secured-activity analysis deferred |\n| Remote Minnesota nexus | **Partial** | C008,C063 | Actual connections and territorial authority |\n| Communication versus attempt | **Answered** | C013 | Actual content |\n| LCM elements | **Answered** | C014 | Actual voicemail and recipient |\n| LCM versus Minnesota name duty | **Unresolved application** | C015 | Registered name/DBA and responsive state construction |\n| Initial/later federal disclosure | **Answered** | C023 | Actual oral/written content |\n| Minnesota full business name | **Answered** | C015 | Actual licensed/registered name |\n| Initial-mail licensing statement/font | **Answered** | C016 | Actual notice layout |\n| Resource-sheet body/version | **Read** | C004,C017 | Later notice/update history |\n| Resource-sheet oral-first interpretation | **Held** | C017 | Controlling interpretation or official specific instruction |\n| Email/text resource-sheet implementation | **Partial** | C017 | Actual delivery/layout and responsive guidance |\n| False public/attorney implications | **Answered** | C018 | Actual statement and authority |\n| Threat/harassment/privacy | **Answered gateway** | C018,C024–C038 | Actual conduct |\n| Automated recorded-message stop | **Answered** | C019 | Actual request/method |\n| Listed-number neighbor callback | **Answered** | C020 | Actual listed number/authorization |\n| Written explanations/free copies | **No universal state right established** | C021–C022 | Specific contract/sector/FCRA/litigation authority |\n| State regulator/client access | **Answered recipient distinction** | C021 | No debtor substitution |\n| Time/place/inconvenience | **Answered** | C024 | Actual knowledge and location |\n| Workplace restriction | **Answered** | C026 | Employer prohibition/knowledge |\n| Known representation | **Answered with fact limits** | C025,C012 | Counsel and actor-knowledge facts |\n| Spouse/minor parent/guardian | **Answered communications role** | C027 | No personal debt liability inferred |\n| Estate/successor categories | **Answered conditionally** | C065 | Actual authority and prior-notice/dispute facts |\n| Third-party permitted contacts | **Answered** | C028 | Actual recipient/exception |\n| Location inquiries | **Answered** | C029 | Actual purpose/content/frequency |\n| Whole-debt cease/refusal | **Answered** | C030 | Receipt and request scope |\n| Medium-specific request | **Answered** | C031 | Actual wording and destination |\n| Consumer-initiated response | **Answered narrowly** | C025,C031,C053 | Actual interaction; no general waiver |\n| Call-frequency thresholds | **Answered** | C032 | Per-person/per-debt log |\n| Call versus conversation | **Answered** | C033 | Actual event type |\n| Excluded calls/direct consent | **Answered conditionally** | C034 | Actual prior consent and termination |\n| Cumulative harassment | **Answered principle** | C032–C033 | Full conduct context |\n| Email consumer route | **Answered conditionally** | C035 | Actual use/consent/no opt-out |\n| Creditor email route | **Answered conditionally** | C035 | Specific notice,35-day period and other predicates |\n| Prior-collector email route | **Answered conditionally** | C035 | Prior route and current knowledge |\n| Text/reassignment route | **Answered conditionally** | C036 | Actual60-day/reassignment evidence |\n| Wrong-number/wrong-party | **Answered** | C037 | Actual notification and corrective conduct |\n| Employer email | **Answered** | C038 | Applicable exception facts |\n| Public/private social media | **Answered boundary** | C038 | Actual visibility/recipient |\n| Validation trigger and5-day follow-up | **Answered** | C039 | Actual initial communication |\n| Formal pleading/required-notice exclusions | **Answered narrowly** | C039 | Actual document; no global exemption |\n| Paid-before-follow-up exception | **Answered textually** | C039 | Actual full payment and timing |\n| Itemization/reference dates | **Answered** | C040 | Actual ascertainable balance/date |\n| Required fields/zeroes/response portion | **Answered** | C040 | Actual notice |\n| Receipt presumption/holiday list | **Answered** | C041 | Actual provision/delivery choice |\n| 30-day validation endpoint | **Answered in model** | C041,C057 | Real boundary calculation not performed |\n| Model-form/state additions | **Partial harmonization** | C042,C056 | Finished form and controlling interpretation |\n| Oral dispute | **Answered** | C043 | Actual content; no automatic written pause |\n| Timely written/accepted electronic dispute | **Answered** | C044 | Submission and receipt evidence |\n| Original-creditor request | **Answered** | C045 | Actual original/current creditor facts |\n| Partial dispute | **Answered** | C044,Example2 | Exact disputed amount and other requests |\n| Duplicate versus new information | **Answered** | C046 | Earlier response and material new facts |\n| Pause/resumption | **Answered conditionally** | C044–C047 | Legally sufficient sent response and other restrictions |\n| No response deadline | **Answered** | C047 | No invented30-day verification deadline |\n| Verification content | **Fact-specific; controlling case read** | C048 | Actual dispute and response |\n| Original contract/assignment packet | **No universal checklist established** | C048 | Specific evidentiary/litigation law deferred |\n| No-dispute/non-admission | **Answered** | C049 | No liability finding |\n| Known-dispute credit information | **Answered narrowly** | C052 | Full FCRA/furnishing regime deferred |\n| Electronic required-delivery | **Answered** | C050 | Actual notice/accessibility/bounce facts |\n| E-SIGN consent | **Partial currentness** | C051 | Updated body and actual consent evidence |\n| Retention versus consumer access | **Answered distinction** | C054 | Full records audit deferred |\n| Rulemaking/state preemption | **Answered generally** | C055 | Actual asserted inconsistency |\n| Four published Eighth Circuit cases | **Read with limits** | C012,C048,C052–C053 | Complete subsequent-history review not performed |\n| Responsive Minnesota construction | **Not located/read for stated gaps** | C056 | Published majority/final interpretation |\n| 2021 state amendment | **Answered selected chain** | C002 | No full omnibus read |\n| 2022 resource mandate | **Answered** | C003 | Current update implementation |\n| 2026 state overlay/index | **Answered narrowly** | C001,C005 | Complete later-law sweep |\n| Rule repeal/adoption history | **Answered current status; historical limits** | C006–C007 | Complete historical-date reconstruction where needed |\n| P01–P16 fictional postures | **Completed** | Section G | No actual actor findings |\n| Example1 notice/itemization/receipt | **Completed conditionally** | C057 | No real deadline |\n| Example2 dispute/pause | **Completed conditionally** | C058 | Verification assumed, not approved |\n| Example3 calls/third parties/work | **Completed conditionally** | C059 | No actual contact |\n| Example4 electronic/LCM/opt-out | **Completed conditionally** | C060 | No message/template approval |\n| Failed-source recovery | **Disclosed** | Source failure table | Updated E-SIGN remains missing |\n| P01/current-dimension crosswalk | **Preserved below** | C062 | No fabricated P01 collection row |\n| Credentials/security/charges/renewal | **Deferred** | C063 | P10 not a premise |\n| DMP/settlement/CSO fees/funds/referrals/CROA | **Deferred** | C063 | Separate components |\n| Debt validity/standing/ownership proof | **Deferred except verification distinction** | C048–C049 | Actual substantive/evidentiary law |\n| Identity theft/bankruptcy/FCRA correction | **Individually deferred** | C049,C052 | Separate operative regimes |\n| Service/default/vacatur/limitations/judgment | **Individually deferred** | C063 | Separate procedural analysis |\n| Wage/bank/other-property enforcement | **Deferred** | C063 | No enforcement permission |\n| Secured/sector/local/tribal law | **Deferred** | C063 | Specific jurisdiction/activity facts |\n| Full remedies/surety/parent-state completion | **Not established** | C063–C064 | Remaining dimensions remain open |\n\n# L. Contribution crosswalk—no invented P01 collection row\n\n| Documented record | Preserved status | PASS-11 contribution |\n| --- | --- | --- |\n| Same-coordinator P01 review, October 25, 2026, 06:05:22.078169Z | Retained “every remaining state, contract, sector, local and tribal category” after provider/fee work | Fresh narrow communications/validation/dispute analysis |\n| Current component inventory | collection_conduct_documentation_reporting remains **unaccepted** | This pass addresses only the specified substantive gateway |\n| Authorized parent collection requirement | Includes original-creditor versus third-party coverage | Necessary actor distinctions freshly established with holds |\n| P01–P09 | Separate reviewed scopes and limitations | Not expanded into communications clearance |\n| P10 | Saved but **unreviewed** | Not used as a premise; no credential, case or bond conclusion imported |\n\n# M. Researcher self-check and disposition\n\n**Actually read:** The identified Minnesota conduct, document and record provisions; necessary actor definitions; selected enacted changes; the linked counseling sheet; relevant FDCPA bodies; operative Regulation F provisions and actual official commentary; selected adoption/correction documents; and four published Eighth Circuit majority opinions and dispositions. Relevant PDF pages were visually inspected.\n\n**Not established:** A particular actor’s coverage or status, a compliant finished notice or LCM, actual consent, actual verification sufficiency, a universal state free-file right, a universal original-contract packet, complete later-law/citator coverage, or any actual debt’s validity.\n\nThe examples distinguish notice, receipt, submission, pause, response, contact permission and debt balance. A dispute is not payment; verification is not adjudication; sending information is not always receipt; and a numerical call presumption is not blanket permission.\n\n**Bottom line:** Minnesota adds meaningful identification, disclosure and contact duties to the federal framework. Federal validation provides notice and conditional pauses, while known representation, inconvenience, privacy, cessation and electronic-channel rules continue independently. The unresolved state/form and fact-specific verification questions remain explicit.\n\nNo actual permission, independent review, full-state or parent acceptance, A066, A097 or A098 completion is claimed.\n\n**END S_MN PASS-11**\n\n","tables":[{"headers":["Actor or circumstance","Minnesota conduct inquiry","Federal FDCPA/Regulation F inquiry"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or circumstance","Minnesota conduct inquiry","Federal FDCPA/Regulation F inquiry"],["Genuine original creditor collecting its own debt in its own name","The ordinary “for others” agency limb is not established solely by those facts. State anti-evasion, false-name, sector-specific, and other applicable laws remain separate.","Ordinarily distinguish creditor collection from statutory debt collection; the false-third-party-name provision and actual principal-purpose facts still matter."],["Third-party collection agency","Test §332.31’s collection-for-others definition and actual exclusions.","Test regular collection of another’s consumer debt or the principal-purpose definition."],["Charged-off debt buyer","The state definition expressly includes purchasing charged-off debt for collection, including outsourcing.","Ownership does not automatically eliminate principal-purpose coverage; neither does every purchase automatically establish it."],["Servicer","Actual services and exclusions matter. The 2026 amendment adds a scope-limited exclusion for specified licensed mortgage and student-loan servicers.","The nondefault-at-acquisition exclusion and other definitions must be applied separately."],["Employee or affiliate","Actual authority, activity, exclusion, and anti-evasion facts matter; no general exemption is assumed from the label.","The own-creditor employee and common-control affiliate exclusions have specific predicates. The affiliate exclusion is not simply “same corporate group.”"],["Attorney","A state collection-agency exclusion does not resolve every applicable professional or conduct law.","There is no current blanket attorney exemption from the FDCPA debt-collector definition."],["Security-interest actor","No universal state secured-activity conclusion is supplied here.","The special definition for §1692f(6) is distinct from full debt-collector coverage; additional monetary collection may change the analysis."],["Mistakenly targeted person","Actual state actor and conduct provisions still require analysis.","“Consumer” includes a natural person allegedly obligated; a collector’s mistake does not remove that person from the definition."],["Remote actor","Physical absence is not itself a conduct exemption; actual Minnesota connections and applicable exclusions must be established.","Federal actor, debt, and communication predicates remain necessary."],["Business-purpose obligation","Minnesota’s collection definition is not generally limited to consumer-purpose debt.","The FDCPA’s “debt” definition requires the specified personal, family, or household transaction purpose."]]},{"headers":["Term","Governing distinction","Consequence"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Term","Governing distinction","Consequence"],["Communication","Conveying information about a debt directly or indirectly to a person","Can trigger disclosure, privacy, initial-communication and other duties."],["Attempt to communicate","An act to initiate a communication or contact about a debt, including a qualifying limited-content message","Rules expressly covering attempts still apply even when no debt information is conveyed."],["Limited-content message—LCM","A narrowly specified voicemail to a consumer, containing only required and permitted optional information","Not a federal “communication,” but still an attempt. It is not an email or text-message category."],["Initial communication","First communication about the debt to the consumer, with specified exclusions for validation purposes","Starts the relevant initial-disclosure/validation analysis; an LCM alone does not."],["Formal pleading","Excluded for specified initial-validation and collection-disclosure purposes","Not a blanket exemption from every FDCPA prohibition."],["Required tax/privacy notice","Certain notices unrelated to collecting the debt are excluded from the initial-communication definition","An ordinary demand cannot become excluded merely by including a required notice."]]},{"headers":["State provision","Actor, trigger, medium or recipient","Required conduct or restriction"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["State provision","Actor, trigger, medium or recipient","Required conduct or restriction"],["§332.37(a)(16)","Agency, buyer or collector attempting collection","Provide the business’s full licensed name or registered DBA."],["§332.37(a)(23)","Initial contact with a Minnesota debtor by mail","Include the prescribed agency-or-buyer licensing statement, in the required relative type size/font."],["§332.365(2)","Covered collection agency’s initial written communication through the specified mail/email/text media","Include the commissioner’s counseling-resource document."],["§332.37(a)(1)","Threat involving a particular lawyer","The lawyer-retention predicate must actually exist; other legality and intent restrictions remain."],["§332.37(a)(2), (4)–(6), (9)","Public-officer, legal-service, lawyer-document or government-impression conduct","No false governmental/legal authority, misleading judicial appearance, or unauthorized legal conduct."],["§332.37(a)(7), (22)","Public shaming or fabricated collection material","The stated intimidation and deceptive-document conduct is prohibited."],["§332.37(a)(13)","Recorded message using an automatic dialing-announcing device after express stop instruction","The specified method must cease. No universal robocall permission is supplied."],["§332.37(a)(15)","Debtor has a listed number; neighbor/third party is asked to relay a callback request","Prohibited except the specified co-resident/authorized-person conditions; narrow workplace callback language is separately stated."],["§332.37(a)(20)","Amount incidental to the charge-off obligation","Agreement or legal authorization is required; an itemization does not itself establish it."],["§332.37(a)(12)","Covered state actors collecting an account, bill or indebtedness","Prohibits violating the incorporated FDCPA provisions. This pass does not assume that every later regulation is automatically incorporated without further construction."]]},{"headers":["Event","Verified date or clock"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Event","Verified date or clock"],["Statutory section effective","July 1, 2022"],["Commissioner’s initial document completion deadline","July 1, 2023"],["Agency inclusion requirement applicable","On or after September 1, 2023"],["Earliest first commissioner update","September 1, 2024"],["Later agency implementation after notice of an update","120 days after receiving commissioner notice"],["Retrieved document’s printed revision","August 2023"]]},{"headers":["Provision","Actual beneficiary/purpose","What it does not establish"],"index":4,"links":[],"row_links":[[],[],[],[]],"rows":[["Provision","Actual beneficiary/purpose","What it does not establish"],["§332.37(a)(8)","Client/claimant/forwarder return of claims, accounting, and reports","A debtor’s general right to a complete free file within those client-accounting clocks"],["§332.40","Commissioner’s examination, investigation and access to books/records","A debtor’s equivalent free inspection right"],["§332.42","Regulatory financial information and record preservation","A universal debtor-requested document checklist or a separate 30-day validation regime"]]},{"headers":["Issue","Governing predicate and effect","Exceptions or limits"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Issue","Governing predicate and effect","Exceptions or limits"],["Time","Absent contrary circumstances, before 8 a.m. and after 9 p.m. at the consumer’s location are inconvenient. Known inconvenient times can be narrower.","The ordinary hours are not a permission window overriding other restrictions."],["Electronic timing","Commentary uses the time the collector sends the email/text, not when opened.","Ambiguous locations require the rule’s location analysis."],["Inconvenient place","No communication or attempt at a place known or reasonably known to be inconvenient.","A mobile address/number is not inherently tied to a place; actual knowledge matters."],["Employment","No covered contact at work when the collector knows or has reason to know the employer prohibits it.","A statement that personal calls are prohibited can provide the necessary information."],["Known representation","When the collector knows the consumer has counsel for the debt and knows or can readily ascertain counsel’s name/address, direct contact is restricted.","Specified nonresponse, attorney-consent, direct prior consumer-consent or court-permission predicates must actually fit."],["Consumer-initiated response","A narrowly responsive interaction can be permitted under the commentary’s conditions.","It does not erase knowledge of representation or permanently waive an inconvenient-time/place restriction."]]},{"headers":["Request/event","Trigger","Effect"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Request/event","Trigger","Effect"],["Written refusal to pay or request to cease further communication","Collector receives it; accepted electronic channels can qualify","No further covered communication about the debt except the three statutory categories: termination of efforts, specified ordinary remedies, or intended specified remedy"],["Oral request to stop a particular medium/number/address","The request meets §1006.14(h)’s scope","Stop using that medium/destination, subject to the narrow exceptions"],["Email/text opt-out","Electronic communications/attempts require a reasonable, simple opt-out method","Opt-out must be honored; no demand for unrelated information"],["Consumer later initiates a communication","Apply the particular rule’s response exception and the facts","A one-response or narrowly responsive interaction is not general reauthorization"],["Timely written dispute","Separate verification-pause rule","It is not the same thing as a whole-debt cease request"],["Both cease request and dispute","Both applicable conditions must be reconciled","Sending verification does not automatically erase the separate cease-contact protection"]]},{"headers":["Rule","Exact distinction"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Rule","Exact distinction"],["Seven-call framework","More than seven placed calls to a particular person about a particular debt within seven consecutive days creates the stated presumption."],["After a conversation","Calls within the seven-consecutive-day period following the relevant telephone conversation create the separate presumption; commentary counts the conversation date as day one."],["Calls that ring or reach voicemail","Count unless an actual exclusion applies."],["Calls that do not connect","The rule excludes the specified nonconnecting calls; an unanswered ringing call is not automatically excluded."],["Direct voluntary prior consent","The limited exclusion has a maximum seven-day duration and can end earlier through revocation, a shorter instruction, or the relevant conversation."],["Certain professional recipients","Specified calls are excluded from this numerical calculation."],["Other media","Email/text volume is not added mechanically to the telephone count, but combined conduct can still be harassing."],["Presumptions","Neither seven calls nor an excluded call establishes compliance with all other law."]]},{"headers":["Route or event","Conditions actually established"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Route or event","Conditions actually established"],["Consumer uses an email address with this collector about the debt","Relevant route requires the stated facts and absence of opt-out; it does not waive other restrictions."],["Consumer supplies an optional email field","Direct consent can depend on clear, conspicuous disclosure that it will be used for debt communications. The blank field alone is not universal consent."],["Creditor supplies an email address","The prescribed route requires prior use, a specific transfer/opt-out notice, at least a 35-day response period, waiting/no opt-out, and domain/employer-address conditions."],["Prior collector supplies an address","The prior and current procedural predicates must actually be met."],["Text messages","Apply the specified consumer-use/direct-consent route and its 60-day use, renewed-consent or qualifying reassignment-check conditions. A telephone conversation is not automatically texting consent."],["Employer-provided email","Generally restricted, with the specified consumer-use/direct-consent or qualifying prior-collector routes."],["Wrong-party notification","Actual notice of a prohibited disclosure defeats reliance on lack of knowledge under the identified procedures."],["Public social-media message","Prohibited when visible to the public or the person’s social-media contacts. A private message still requires the other rules."],["Required disclosure after opt-out","An opted-out address/number cannot be used merely because the communication is mandatory."]]},{"headers":["Content category","Required information, subject to the precise rule"],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Content category","Required information, subject to the precise rule"],["Collector and consumer","Collector name/mailing address for disputes and original-creditor requests; consumer name/address"],["Debt identity","Current creditor; creditor at itemization where the consumer-financial-product provision applies; account number or permitted truncation"],["Itemization reference","One permissible reference date: last statement, charge-off, last payment, transaction, or judgment date"],["Amounts","Itemization-date amount; itemized interest, fees, payments and credits since that date; current amount"],["Rights","End date of the validation period; dispute, verification and original-creditor rights; required consumer-protection statement"],["Response portion","Required response prompts, dispute reasons and original-creditor-request option; applicable electronic contact information"]]},{"headers":["Event","Legal effect","What it does not establish"],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","Legal effect","What it does not establish"],["Oral dispute","Can dispute the debt; relevant to accuracy and known-dispute representations","Does not by itself trigger the written-dispute verification pause"],["Written dispute submitted within validation period","Upon receipt, cease collection of the debt or disputed portion until the applicable written/electronic verification or judgment response is sent","No automatic 30-day response deadline"],["Accepted email/portal dispute","Can satisfy “in writing” under the official commentary","A consumer need not obtain the seller-style E-SIGN consent used for certain outgoing disclosures"],["Timely written original-creditor request","Upon receipt, cease collection until the required name/address response, or the specific same-creditor notification route, is completed","Current-creditor information alone does not justify ignoring the request"],["Partial dispute","Pause applies to the disputed portion, unless another request or restriction requires a broader pause","Amount and other contact restrictions still matter for the remainder"],["Duplicate dispute","Narrow definition requires a previously answered dispute without material new information; the rule supplies a response route","No license to ignore every repeated communication"],["Material new information","Not automatically a duplicate; requires the applicable treatment","The collector cannot make it duplicate merely by labeling it repetitive"],["Late dispute","The specific timely-written pause is not automatically established","False amounts, known errors, privacy, cease requests and other duties do not disappear"],["No dispute","Statutory non-admission protection remains","Silence is not a judicial admission of liability"],["No verification response","Affected collection cannot resume under the pause rule","Debt is not automatically paid, extinguished or adjudicated invalid"]]},{"headers":["Decision","Holding/posture used","Limits"],"index":11,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Decision","Holding/posture used","Limits"],["Dunham, 663 F.3d 997 (8th Cir. Dec. 15, 2011)","Wrongly targeted natural person can be a consumer; verification sufficient on that record; judgment affirmed on alternative reasoning.","No universal document minimum or maximum; the court did not resolve every “debt” predicate."],["Wilhelm, 519 F.3d 416 (8th Cir. Mar. 3, 2008)","Reporting claim rejected on its record; threat claim remanded; fact-specific clerical-error defense discussed.","No current complete FCRA rule or universal bona-fide-error defense."],["Scheffler v. Gurstel Chargo, P.A., 902 F.3d 757 (8th Cir. Aug. 27, 2018)","Affirmed summary judgment where specified remedy communication and a narrow response to the consumer’s initiated question did not violate the cease provision.","The waiver was for answering that question—not blanket future contact permission. No garnishment-procedure analysis imported."],["Reygadas v. DNF Associates, LLC, 982 F.3d 1119 (8th Cir. Dec. 14, 2020)","Principal-purpose classification upheld on the record; judgment vacated because the necessary liability/agency analysis was not established.","Not all purchasers are covered; no automatic imputation of every actor’s knowledge."]]},{"headers":["Material","Freshly established status","Remaining qualification"],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Material","Freshly established status","Remaining qualification"],["Minnesota current sections","Displayed 2025 bodies; targeted 2026 regular-session index checked","Not a complete later/special-session certification"],["2021 Chapter 4, art. 5, §17","Buyer inclusion, updated recorded-message/name/initial-mail provisions; effective August 1, 2021","Historical earlier language not reused"],["2022 Chapter 70, §3","Counseling document and staged dates established","Current update-notification history not obtained"],["2026 Chapter 124, §57","Narrow servicer exclusion effective August 1, 2026","Not actor approval or federal exemption"],["Chapter 2870","Current codification consists of repeal notices; 2014 repealer read","Exact original effective-date chain not reconstructed; webpage publication is not legal effect"],["FDCPA official text","OLRC through Public Law 119-120, October 7, 2026","No later-enactment certificate"],["Regulation F","eCFR through October 23, 2026; actual CFPB rule/commentary bodies read","Title update date is not asserted as each section’s amendment date"],["2020 and 2021 final rules","Both relevant sets effective November 30, 2021","Proposed January 29, 2022 delay was withdrawn"],["2022 correction","Effective November 1, 2022; restored omitted commentary, including electronic written disputes and estate treatment","Not a new universal substantive debt-validation clock"],["Counseling PDF","Currently linked document printed August 2023","“Currently linked” is not a claim of a 2026 revision"],["E-SIGN","Official 2024 operative consumer-consent text recovered","Updated route failed; currentness hold retained"],["Federal form versus state notice","Federal safe harbor and state font/document requirements differ","No completed combined notice approved"],["LCM versus state identification","Different definitions and triggers","No automatic state exemption"],["Follow-up disclosure wording","Operative first-written disclosure rule and validation-form commentary must be read together","Examples use the full initial written disclosure; no abbreviated-template approval"],["State record provisions","Regulator/client rights differ from consumer validation rights","No invented universal free-copy right"]]},{"headers":["Posture","Fictional facts","Next step or hold"],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Posture","Fictional facts","Next step or hold"],["P01 — Original creditor","Retailer pursues its own consumer invoice under its genuine name","Do not assume federal collector coverage; do not assume all state/sector law disappears."],["P02 — False outside name","Same retailer uses a name suggesting an independent collector","Reassess both federal false-name and state anti-evasion provisions."],["P03 — Principal-purpose buyer","Buyer’s business purpose is collecting purchased debts through vendors","Apply the actual principal-purpose facts; outsourcing is not dispositive."],["P04 — Servicer timing","Servicer obtained the account before default","Federal exclusion may matter; state exclusion requires its own facts."],["P05 — Attorney collector","Lawyer regularly collects consumer debts","State actor exclusion does not establish FDCPA exemption."],["P06 — Wrong person","Notice reaches a same-name person who denies the debt","Do not deny consumer status solely because the person does not actually owe it."],["P07 — LCM","Neutral-business-name voicemail contains only permitted fields","Federal LCM classification remains conditional; state full-name/DBA rule must also fit."],["P08 — Listed number/neighbor","Collector asks a neighbor to have debtor call","State callback rule and federal location/privacy limits apply independently."],["P09 — Work restriction","Consumer says employer prohibits personal collection calls","Do not rely on ordinary calling hours or a callback exception to continue."],["P10 — Representation","Collector knows counsel and can ascertain counsel’s address","Direct consumer contact requires an actual exception; a later inbound question is not blanket waiver."],["P11 — Oral dispute","Consumer orally contests $120","Accuracy and disputed-status duties matter; written-verification pause is not automatic."],["P12 — Written partial dispute plus original-creditor request","Accepted email timely raises both","Original-creditor request can require broader pause than the $120 portion alone."],["P13 — Repeated dispute/new proof","Consumer repeats request but adds a material payment record","Not automatically a duplicate dispute."],["P14 — Email opt-out","Consumer stops one email address","Stop that destination; do not equate it automatically with debt-wide cessation."],["P15 — Wrong-number text","Recipient reports that the number belongs to someone else","Actual knowledge affects privacy procedures; a voice-call history is not texting consent."],["P16 — Estate relative","Adult child is contacted after death but has no established authority","Do not equate family relationship with authorized estate representative or personal liability."]]},{"headers":["Event","Rule/trigger","Result"],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Event","Rule/trigger","Result"],["September 8 phone communication","§§1692e(11), 1692g; §§1006.18(e), .34(a)","Initial oral disclosure applies; follow-up validation obligation remains."],["September 9 mailing","Next day, well within the five-day follow-up requirement","No weekend-extension rule is needed."],["First mailed Minnesota contact","§332.37(a)(23)","Prescribed licensing statement and relative-font requirement included."],["Counseling document","§332.365","Model includes the currently linked sheet; oral-first wording ambiguity is not used to omit it."],["Written disclosure","Operative §1006.18(e)(1)","Model includes the full initial written disclosure; no abbreviated-form conclusion."],["Amount fields","§1006.34(c)","Required itemization categories and rights/response information supplied, including zeros."]]},{"headers":["Count","Date"],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Count","Date"],["1","Thursday, September 10"],["2","Friday, September 11"],["—","September 12–13 excluded"],["3","Monday, September 14"],["4","Tuesday, September 15"],["5","Wednesday, September 16"]]},{"headers":["Date/event","Trigger and consequence"],"index":16,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Date/event","Trigger and consequence"],["September 18: consumer orally disputes $120","No automatic written-dispute pause; collector must still avoid false statements and apply known-dispute duties."],["September 21: collector receives accepted email disputing $120 and requesting the original creditor’s name/address","Timely written/electronic submission. The original-creditor request requires the applicable whole-debt pause; the partial dispute alone would concern $120."],["September 22: collector acknowledges receipt","An acknowledgment is not verification or the required creditor-information response."],["September 25: assumed factually adequate verification of the $120 issue is mailed, but original-creditor information is omitted","The original-creditor-request pause remains."],["September 28: proper original-creditor information is mailed","That response condition can be satisfied by sending the required response; no receipt assumption is substituted for the sending requirement. Other contact and substantive restrictions still apply."],["September 30: consumer provides materially new payment evidence","Do not dismiss it as duplicative merely because a response was previously sent. Apply the actual dispute and timing facts."]]},{"headers":["Date","Calls placed that day","Calls in October 1–7"],"index":17,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Date","Calls placed that day","Calls in October 1–7"],["October 1","1","1"],["October 2","1","2"],["October 3","1","3"],["October 4","1","4"],["October 5","1","5"],["October 6","1","6"],["October 7","1","7"],["October 7, additional call","1","8"]]},{"headers":["Additional fact","Consequence"],"index":18,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Additional fact","Consequence"],["Consumer says morning calls interrupt a night-shift sleep schedule","A 9 a.m. call is not saved by falling inside ordinary hours."],["Employer prohibits collection calls","Do not use Minnesota’s narrow workplace callback wording as permission to ignore that prohibition."],["Debtor has a listed number; collector asks neighbor to relay a callback","Apply Minnesota’s restriction and federal location/privacy rules. No debt disclosure is justified."],["Consumer’s spouse answers","Special communications definition may apply; personal liability is not established."],["Adult child answers without authority","Family relationship alone does not establish an authorized estate/consumer role."],["Known attorney representation","Call-count compliance does not supply a representation exception."]]},{"headers":["Date/event","Governing treatment"],"index":19,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Date/event","Governing treatment"],["October 5: collector leaves a voicemail using a stipulated neutral, Commerce-registered DBA and only the federal LCM elements","Conditional LCM: federal attempt, not communication; no federal validation clock yet. The state full-name/DBA assumption is essential."],["October 6: consumer emails a debt question from a personal address","Actual consumer use can satisfy a relevant email-address procedure; it is not universal E-SIGN consent for every required disclosure."],["October 6: collector sends a substantive first email response","This is a communication; initial federal collection disclosure applies. Simple opt-out and applicable privacy duties remain. The model includes the state counseling sheet rather than relying on a disputed exemption."],["October 7: printed validation notice is mailed to the actual current mailing address","Within the follow-up period. Required fields, first-written disclosure treatment and Minnesota initial-mail statement are separately included."],["October 8: consumer opts out of that email address","Stop using that destination. A mandatory disclosure does not authorize reuse of the opted-out address."],["Later consumer-initiated email","A permitted response, if any, is limited by the applicable commentary; it is not automatic reinstatement of general email campaigns."]]},{"headers":["Source ID","Issuer and complete HTTPS URL","Actual read scope, version/effect and limitation"],"index":20,"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/332.37?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.37"},{"href":"https://www.revisor.mn.gov/statutes/cite/332.365?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.365"},{"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/332.40?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/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/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/rules/2870/full?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/rules/2870/full"},{"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://mn.gov/commerce/money/non-depository/debt-services/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/money/non-depository/debt-services/"},{"href":"https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692b/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692c/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692d/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692e/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692f/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692g/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692k/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692k/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692l/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692l/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692n/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692n/"},{"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.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/104/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/104/"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"},{"href":"https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date"},{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","text":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections"},{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm"},{"href":"https://uscode.house.gov/us/usc/119-120/t5/s6103/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t5/s6103/"},{"href":"https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf"},{"href":"https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf"},{"href":"https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf"},{"href":"https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf"}],"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/332.37?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.37"}],[{"href":"https://www.revisor.mn.gov/statutes/cite/332.365?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/statutes/cite/332.365"}],[{"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/332.40?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/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/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/rules/2870/full?utm_source=chatgpt.com","text":"https://www.revisor.mn.gov/rules/2870/full"}],[{"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://mn.gov/commerce/money/non-depository/debt-services/?utm_source=chatgpt.com","text":"https://mn.gov/commerce/money/non-depository/debt-services/"}],[{"href":"https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf?utm_source=chatgpt.com","text":"https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692a/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692b/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692b/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692c/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692d/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692d/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692e/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692e/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692f/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692f/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692g/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692g/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692k/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692k/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692l/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692l/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1692n/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1692n/"}],[{"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.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/6/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/10/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/14/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/18/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/22/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/104/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/104/"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006"}],[{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"}],[{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"}],[{"href":"https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date?utm_source=chatgpt.com","text":"https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date"}],[{"href":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","text":"https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections"}],[{"href":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t5/s6103/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t5/s6103/"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf?utm_source=chatgpt.com","text":"https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf"}]],"rows":[["Source ID","Issuer and complete HTTPS URL","Actual read scope, version/effect and limitation"],["S_MN-P11-S001","Revisor — https://www.revisor.mn.gov/statutes/cite/332.31","Fresh definitions body, particularly subds. 2, 3, 6, 8–9. 2025 display; no credential rerun."],["S_MN-P11-S002","Revisor — https://www.revisor.mn.gov/statutes/cite/332.32","Fresh complete displayed exclusions and 2026 warning. Requires S011 overlay; actual exclusion not determined."],["S_MN-P11-S003","Revisor — https://www.revisor.mn.gov/statutes/cite/332.37","Fresh complete operative clauses and history; relied on (a)(1)–(9), (12)–(16), (20), (22)–(23), and (b). Sector, fees and litigation not comprehensively analyzed."],["S_MN-P11-S004","Revisor — https://www.revisor.mn.gov/statutes/cite/332.365","Fresh complete section and history. Document, media, update and 120-day conditions."],["S_MN-P11-S005","Revisor — https://www.revisor.mn.gov/statutes/cite/332.355","Fresh complete responsibility provision. No actual agency-liability finding."],["S_MN-P11-S006","Revisor — https://www.revisor.mn.gov/statutes/cite/332.38","Fresh complete anti-evasion/false-name provision."],["S_MN-P11-S007","Revisor — https://www.revisor.mn.gov/statutes/cite/332.40","Fresh examination/access body; recipient and regulator purpose checked. Full enforcement deferred."],["S_MN-P11-S008","Revisor — https://www.revisor.mn.gov/statutes/cite/332.42","Fresh complete financial-record/retention body. Not a debtor-access substitute."],["S_MN-P11-S009","Legislature/Revisor — https://www.revisor.mn.gov/laws/2021/1/4/","Fresh art. 5 §17, complete conduct amendment and express August 1, 2021 date; relevant adjacent provisions inspected. Not entire act."],["S_MN-P11-S010","Legislature/Revisor — https://www.revisor.mn.gov/laws/2022/0/70/","Fresh §3, all staged dates and signature. Agency compliance from September 1, 2023 distinguished from section effectiveness."],["S_MN-P11-S011","Legislature/Revisor — https://www.revisor.mn.gov/laws/2026/0/124/laws.1.57.0","Fresh §57 operative exclusion amendment and adjacent boundary. No fresh full-act sequential analysis."],["S_MN-P11-S012","Revisor — https://www.revisor.mn.gov/statutes/cite/645.02","Fresh complete operative default-date and 12:01 a.m. rules."],["S_MN-P11-S013","House Public Information — https://www.house.mn.gov/NewLaws/story/2026/5756","Fresh chapter effective-date statement. Official secondary chronology; reviewed act-level classification remains attributed context."],["S_MN-P11-S014","Revisor — https://www.revisor.mn.gov/statutes/2026/table2?full=&page=5&per_page=500&year=2026","Fresh targeted Chapter 332 entries. Regular-session index, not full later-law certification."],["S_MN-P11-S015","Revisor rules — https://www.revisor.mn.gov/rules/2870/full","Fresh current repeal notices/history. No old operative rule used."],["S_MN-P11-S016","Legislature/Revisor — https://www.revisor.mn.gov/laws/2014/0/222/","Fresh art. 1 §58 rule repealer and adjacent boundary. Exact historical general effective-date chain not reconstructed."],["S_MN-P11-S017","Commerce — https://mn.gov/commerce/money/non-depository/debt-services/","Fresh narrow counseling-document link and description. Other operational subjects not adopted."],["S_MN-P11-S018","Commerce — https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf","Fresh complete one-page sheet; visually inspected; printed August 2023. No organization status check or update-notification history."],["S_MN-P11-S019","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692a/","Fresh complete relevant definitions and notes. Through PL119-120, October 7, 2026."],["S_MN-P11-S020","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692b/","Fresh complete location-information provision. Same currency limit."],["S_MN-P11-S021","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692c/","Fresh complete communications, third-party, cease and expanded-consumer provisions."],["S_MN-P11-S022","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692d/","Fresh complete harassment provision."],["S_MN-P11-S023","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692e/","Fresh complete false/misleading-representation body; particularly (5), (8), (10)–(11), (14)."],["S_MN-P11-S024","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692f/","Fresh operative unfair-practice body; necessary unauthorized-amount, envelope and security-interest distinctions."],["S_MN-P11-S025","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692g/","Fresh complete validation/dispute provision, including no-admission and excluded communications."],["S_MN-P11-S026","OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692k/ ; https://uscode.house.gov/us/usc/119-120/t15/s1692l/ ; https://uscode.house.gov/us/usc/119-120/t15/s1692n/","Fresh relevant liability/defense, enforcement/rulemaking and state-law provisions. Same underlying statute; no damages or limitations model."],["S_MN-P11-S027","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","Fresh relevant operative definitions and official commentary, including attempt, communication, consumer, collector and LCM."],["S_MN-P11-S028","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/6/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/","Fresh complete relevant rule and commentary: inconvenience, representation, employment, cease, third parties, electronic procedures and opt-outs. Same rule/commentary, not independent authority."],["S_MN-P11-S029","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/10/","Fresh operative location-information rule and commentary."],["S_MN-P11-S030","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/14/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/","Fresh relevant full telephone-frequency, exclusions, general harassment and medium-restriction bodies/comments."],["S_MN-P11-S031","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/18/","Fresh relevant operative body and comments; disclosures, false names/amounts/threats, translation."],["S_MN-P11-S032","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/22/","Fresh necessary unauthorized-amount, envelope, employer-email, social-media and electronic safe-harbor text."],["S_MN-P11-S033","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/","Fresh relevant rule and official commentary: initial notice, reference dates, receipt, fields, response, format/safe harbor and state additions. Special mortgage regime not analyzed."],["S_MN-P11-S034","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/","Fresh complete operative dispute/original-creditor/duplicate provisions and commentary, including electronic writing and estates."],["S_MN-P11-S035","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","Fresh complete required-delivery rule and commentary; exact electronic subsection distinctions."],["S_MN-P11-S036","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","Fresh complete relevant retention rule/comments. No consumer-file access right inferred."],["S_MN-P11-S037","CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/104/","Fresh complete state-law relationship provision."],["S_MN-P11-S038","OFR/eCFR — https://www.ecfr.gov/current/title-12/chapter-X/part-1006","Fresh currency and history metadata, plus corresponding retrieved rule text. Display through October 23, 2026; not every appendix analyzed."],["S_MN-P11-S039","CFPB final rule, 85 FR 76734 — https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","Fresh action, summary, authority discussion and DATES; November 30, 2021 effective date. HTML published-document rendition, not whole-rule/PDF verification."],["S_MN-P11-S040","CFPB final rule, 86 FR 5766 — https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","Fresh relevant adoption/date discussion and selected itemization explanation; effective November 30, 2021. Not entire preamble."],["S_MN-P11-S041","CFPB withdrawal, 86 FR 48918 — https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date","Fresh operative withdrawal and explanation. Proposed delay withdrawn September 1, 2021; not an enacted January 2022 delay."],["S_MN-P11-S042","CFPB correction, 87 FR 65668 — https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","Fresh effect, explanation and corrected §1006.38 introductory comments. Effective November 1, 2022. Credit-reporting subsection not analyzed as a full furnishing regime."],["S_MN-P11-S043","GPO, 2024 USC — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm","Fresh §7001(c) and necessary surrounding validity/retention text. Dated official recovery; updated route failed."],["S_MN-P11-S044","OLRC — https://uscode.house.gov/us/usc/119-120/t5/s6103/","Fresh subsection (a) holiday list; subsection (b) not mechanically imported as the Reg F receipt rule."],["S_MN-P11-S045","Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf","Fresh official Dunham, ten pages; relevant majority analysis and disposition, slip pp. 5–10; relevant page visually inspected."],["S_MN-P11-S046","Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf","Fresh official Wilhelm, nine pages; relevant reporting/threat/defense analysis and disposition; page visually inspected."],["S_MN-P11-S047","Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf","Fresh official Scheffler, nine pages; relevant cease/request/response analysis and disposition; page visually inspected."],["S_MN-P11-S048","Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf","Fresh official Reygadas, twelve pages; classification and agency/knowledge disposition; relevant page visually inspected."]]},{"headers":["Route/material","Actual outcome","Consequence"],"index":21,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Route/material","Actual outcome","Consequence"],["https://uscode.house.gov/us/usc/119-120/t15/s7001/","Failed retrieval","No updated E-SIGN body claimed"],["https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section7001&num=0&edition=prelim","404","S043 is the disclosed 2024 recovery"],["https://www.revisor.mn.gov/statutes/cite/332.36","Repeal notice","Not used as an operative consumer right"],["https://www.revisor.mn.gov/statutes/cite/332.43","Receivership provision","Not treated as ordinary debtor-access authority"],["https://www.revisor.mn.gov/statutes/cite/332.311","Administrative-transfer provision","Not a validation/dispute source"],["Proposed federal delay","Withdrawn proposal","January 29, 2022 not used as operative effective date"],["General guides, state-debt/tax pages and commercial summaries","Discovery only","Not substituted for ordinary consumer operative law"],["Search-result nonfinal recommendation","Not opened or relied upon","No recommendation treated as a final holding"]]},{"headers":["Claim","Actor/predicate, step/clock and consequence","Authority/pinpoint","Confidence/limit"],"index":22,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim","Actor/predicate, step/clock and consequence","Authority/pinpoint","Confidence/limit"],["C001","Source currency is limited to stated Minnesota/USC/eCFR versions","S001–S016, S019–S038","High version finding; no all-later-law certificate"],["C002","2021 §17 conduct changes effective August 1, 2021","S009, art.5 §17","High—enacted text"],["C003","Counseling section has distinct 2022/2023/update dates","S010 §3","High—text"],["C004","Currently linked sheet is one page, printed August 2023","S017–S018","Fresh access, historical revision"],["C005","2026 servicer exclusion is scope-limited and not federal immunity","S002,S011–S013","High narrow finding"],["C006","Chapter2870 old rules are repealed in current codification","S015–S016","Current status high; exact historical date chain held"],["C007","Regulation F adoption/correction dates differ from proposed delay","S039–S042","High selected chain"],["C008","State collection/buyer predicates differ from federal ones","S001–S002","High—text; actual actor unknown"],["C009","Federal consumer/debt definitions require alleged natural-person obligation and consumer purpose","S019(3),(5)","High—text"],["C010","Own-creditor, false-name and principal-purpose analysis cannot be collapsed","S006; S019(4),(6)","Conditional application"],["C011","Servicer, employee, affiliate, attorney and security-interest predicates are rule-specific","S019(6); S027","High—text; broader actor analysis deferred"],["C012","Reygadas supports classification on its record but rejects automatic liability imputation","S048 pp.7–12","Published controlling-circuit construction, fact-limited"],["C013","Communication and attempt have different triggers","S019(2); S027(b),(d)","High—text"],["C014","LCM is only the specified consumer voicemail, still an attempt","S027(j) and comments","High—text; no generic email/text LCM"],["C015","Minnesota requires licensed full name or registered DBA on collection attempts","S003(a)(16)","High—text; LCM harmonization held"],["C016","Initial MN mail contact requires prescribed licensing disclosure and relative font","S003(a)(23)","High—text; no template approved"],["C017","Specified initial written contacts require commissioner resource document","S004(2); S018","High text; oral-first phrasing/application held"],["C018","State threats, deceptive authority, shaming and fabricated documents face specific prohibitions","S003(a)(1)–(7),(9),(22)","High—text"],["C019","Express instruction triggers state automated-recorded-message restriction","S003(a)(13)","High—text; broader TCPA not reviewed"],["C020","Listed-number callback restriction and exceptions are independent of federal privacy/work rules","S003(a)(15)","High—text"],["C021","State client reports/regulator access are not universal debtor-file rights","S003(a)(8); S007–S008","High recipient distinction"],["C022","No separate universal MN30-day validation/free-document checklist was established","Read state bodies and search","Bounded finding, not all-law absence"],["C023","Initial oral/first written and later federal disclosures differ","S023(11); S031(e)","High—text"],["C024","Time/place restrictions depend on knowledge; electronic send time matters","S021(a)(1); S028(b)(1), comments","High—text"],["C025","Known representation restricts direct contact with specified exceptions","S021(a)(2); S028(b)(2),(4)","High—text; actual knowledge/agency needed"],["C026","Known employer prohibition independently restricts workplace contact","S021(a)(3); S028(b)(3)","High—text"],["C027","Expanded communications-consumer categories do not prove personal liability","S021(d); S028(a)","High definition; liability separate"],["C028","Third-party contacts require a permitted recipient or actual exception","S021(b); S028(d)","High—text"],["C029","Location inquiries have limited content/frequency; callback relay is not automatically location inquiry","S020; S029; S003(a)(15)","High—text"],["C030","Written/accepted-electronic cease/refusal becomes complete on receipt","S021(c); S028(c), comments","High—text; three exceptions preserved"],["C031","Medium restriction/opt-out differs from whole-debt cessation","S030(h); S028(e)","High—text"],["C032","Seven-call and post-conversation presumptions are not universal permissions","S030(b)(1)–(2)","High—text"],["C033","Call counting/exclusions differ from email/text/general harassment","S030(b), comments","High—text"],["C034","Voluntary direct call consent has specific duration/termination limits","S030(b)(3), comments","High—text"],["C035","Email procedures require actual route-specific facts","S028(d)(3)–(4), comments","High—text; not blanket consent"],["C036","Text procedure’s freshness/reassignment conditions are not satisfied by any old phone number","S028(d)(5)","High—text"],["C037","Simple opt-out and known wrong-party facts affect continued contact","S028(d)(3),(e); S030(h)","High—text"],["C038","Employer email/public social media have additional restrictions","S032(f)(3)–(4)","High—text"],["C039","Initial validation timing, paid-debt exception and excluded initial communications are specific","S025(a),(d)–(e); S033(a),(b)(2)","High—text"],["C040","Validation fields and consistent reference-date itemization are required","S033(b)(3),(c)","High—text"],["C041","Assumed receipt excludes stated weekends/holidays;30-day period is separate","S033(b)(5), comments; S044(a)","High—text; actual delivery facts matter"],["C042","Model-form safe harbor does not eliminate separate state requirements","S033(d); S003–S004","High limited-scope conclusion"],["C043","Oral dispute need not trigger written-verification pause","S025(a)–(b); S034(d)(1)","High—text; other accuracy duties remain"],["C044","Timely written submission triggers pause upon receipt for debt/disputed portion","S034(d)(2)(i); S025(b)","High—text"],["C045","Original-creditor request has separate response/pause conditions","S034(c); S025(b)","High—text"],["C046","Duplicate-dispute treatment is narrow; material new information matters","S034(a)(1),(d)(2)(ii)","High—text"],["C047","No30-day verification-response deadline or automatic extinguishment follows","S025(b); S034","High textual consequence"],["C048","Dunham verification holding is fact-specific and protects mistakenly targeted consumers","S045 pp.7–10","Published holding; no universal packet"],["C049","Silence/dispute/verification is not admission, payment or adjudication","S025(c); S034; models","High distinction"],["C050","Required disclosures need actual-notice expectation and retainable/accessibility form","S035(a), comments","High—text"],["C051","Outgoing electronic notice/verification requirements differ from consumer electronic writing","S035(b); S034 comments; S043(c)","E-SIGN currentness limitation retained"],["C052","Known dispute affects credit-information communications; Wilhelm is not full FCRA update law","S023(8); S046","Narrow published application"],["C053","Scheffler permits its specific responsive interaction, not blanket future contact","S047 pp.6–9","Published fact-limited holding"],["C054","State and federal retention duties are not consumer-file access rights","S008; S036","High—text; full records audit deferred"],["C055","Rulemaking/enforcement and stronger-state-law preservation remain distinct","S026; S037","High—text"],["C056","Identified form/commentary/state conflicts remain bounded holds","Currentness matrix and sources","No invented harmonization"],["C057","Example1’s notice and receipt/itemization calculations follow stipulated facts","Example1; C039–C042","Fictional, not actual deadline"],["C058","Example2 separates oral/written/request pauses and unchanged balance","Example2; C043–C051","Conditional verification assumption"],["C059","Example3 separates counts, conversations and independent restrictions","Example3; C024–C034","No outreach approval"],["C060","Example4 separates LCM, email, opt-out and wrong-party treatment","Example4; C014–C017,C035–C051","Actual consent/DBA assumptions essential"],["C061","Sixteen postures are conditional and do not identify an authorized actor","Section G","Hypothetical only"],["C062","P01 remaining-state statement and current dimension remain separate provenance records","Supplied context","No fabricated original row"],["C063","No actual account, debt validity, actor or parent-state acceptance is established","Scope/evidence limits","Express hold"],["C064","Remedies/defenses were read only as necessary; no recovery or enforcement outcome calculated","S026","Full remedies deferred"],["C065","Estate notice/dispute treatment requires actual representative authority and applicable predicates","S028(a); S033 comment34(a)(1)-1; S034 comment38-3","High text; no family-liability inference"]]},{"headers":["Issue","Status","Claims/examples","Missing evidence or next action"],"index":23,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Status","Claims/examples","Missing evidence or next action"],["State collection/buyer actor definitions","Answered textually","C008","Actual activity and exclusion facts"],["Original-creditor/false-name distinction","Answered conditionally","C010","Actual name, ownership and collection arrangement"],["Federal consumer/debt purpose","Answered","C009","Actual transaction purpose"],["Debt-buyer principal purpose","Answered with precedent","C012","Actual business record; not all buyers covered"],["Servicer/default timing","Partial application","C011","Acquisition/default/activity facts"],["2026 state servicer exclusion","Answered narrowly","C005","Actual license/scope"],["Employees/affiliates","Partial application","C011","Actual statutory conditions and agency relationship"],["Attorney coverage","Answered distinction","C011","Actual regular-collection activity; ethics deferred"],["Security-interest actor","Boundary only","C011","Full secured-activity analysis deferred"],["Remote Minnesota nexus","Partial","C008,C063","Actual connections and territorial authority"],["Communication versus attempt","Answered","C013","Actual content"],["LCM elements","Answered","C014","Actual voicemail and recipient"],["LCM versus Minnesota name duty","Unresolved application","C015","Registered name/DBA and responsive state construction"],["Initial/later federal disclosure","Answered","C023","Actual oral/written content"],["Minnesota full business name","Answered","C015","Actual licensed/registered name"],["Initial-mail licensing statement/font","Answered","C016","Actual notice layout"],["Resource-sheet body/version","Read","C004,C017","Later notice/update history"],["Resource-sheet oral-first interpretation","Held","C017","Controlling interpretation or official specific instruction"],["Email/text resource-sheet implementation","Partial","C017","Actual delivery/layout and responsive guidance"],["False public/attorney implications","Answered","C018","Actual statement and authority"],["Threat/harassment/privacy","Answered gateway","C018,C024–C038","Actual conduct"],["Automated recorded-message stop","Answered","C019","Actual request/method"],["Listed-number neighbor callback","Answered","C020","Actual listed number/authorization"],["Written explanations/free copies","No universal state right established","C021–C022","Specific contract/sector/FCRA/litigation authority"],["State regulator/client access","Answered recipient distinction","C021","No debtor substitution"],["Time/place/inconvenience","Answered","C024","Actual knowledge and location"],["Workplace restriction","Answered","C026","Employer prohibition/knowledge"],["Known representation","Answered with fact limits","C025,C012","Counsel and actor-knowledge facts"],["Spouse/minor parent/guardian","Answered communications role","C027","No personal debt liability inferred"],["Estate/successor categories","Answered conditionally","C065","Actual authority and prior-notice/dispute facts"],["Third-party permitted contacts","Answered","C028","Actual recipient/exception"],["Location inquiries","Answered","C029","Actual purpose/content/frequency"],["Whole-debt cease/refusal","Answered","C030","Receipt and request scope"],["Medium-specific request","Answered","C031","Actual wording and destination"],["Consumer-initiated response","Answered narrowly","C025,C031,C053","Actual interaction; no general waiver"],["Call-frequency thresholds","Answered","C032","Per-person/per-debt log"],["Call versus conversation","Answered","C033","Actual event type"],["Excluded calls/direct consent","Answered conditionally","C034","Actual prior consent and termination"],["Cumulative harassment","Answered principle","C032–C033","Full conduct context"],["Email consumer route","Answered conditionally","C035","Actual use/consent/no opt-out"],["Creditor email route","Answered conditionally","C035","Specific notice,35-day period and other predicates"],["Prior-collector email route","Answered conditionally","C035","Prior route and current knowledge"],["Text/reassignment route","Answered conditionally","C036","Actual60-day/reassignment evidence"],["Wrong-number/wrong-party","Answered","C037","Actual notification and corrective conduct"],["Employer email","Answered","C038","Applicable exception facts"],["Public/private social media","Answered boundary","C038","Actual visibility/recipient"],["Validation trigger and5-day follow-up","Answered","C039","Actual initial communication"],["Formal pleading/required-notice exclusions","Answered narrowly","C039","Actual document; no global exemption"],["Paid-before-follow-up exception","Answered textually","C039","Actual full payment and timing"],["Itemization/reference dates","Answered","C040","Actual ascertainable balance/date"],["Required fields/zeroes/response portion","Answered","C040","Actual notice"],["Receipt presumption/holiday list","Answered","C041","Actual provision/delivery choice"],["30-day validation endpoint","Answered in model","C041,C057","Real boundary calculation not performed"],["Model-form/state additions","Partial harmonization","C042,C056","Finished form and controlling interpretation"],["Oral dispute","Answered","C043","Actual content; no automatic written pause"],["Timely written/accepted electronic dispute","Answered","C044","Submission and receipt evidence"],["Original-creditor request","Answered","C045","Actual original/current creditor facts"],["Partial dispute","Answered","C044,Example2","Exact disputed amount and other requests"],["Duplicate versus new information","Answered","C046","Earlier response and material new facts"],["Pause/resumption","Answered conditionally","C044–C047","Legally sufficient sent response and other restrictions"],["No response deadline","Answered","C047","No invented30-day verification deadline"],["Verification content","Fact-specific; controlling case read","C048","Actual dispute and response"],["Original contract/assignment packet","No universal checklist established","C048","Specific evidentiary/litigation law deferred"],["No-dispute/non-admission","Answered","C049","No liability finding"],["Known-dispute credit information","Answered narrowly","C052","Full FCRA/furnishing regime deferred"],["Electronic required-delivery","Answered","C050","Actual notice/accessibility/bounce facts"],["E-SIGN consent","Partial currentness","C051","Updated body and actual consent evidence"],["Retention versus consumer access","Answered distinction","C054","Full records audit deferred"],["Rulemaking/state preemption","Answered generally","C055","Actual asserted inconsistency"],["Four published Eighth Circuit cases","Read with limits","C012,C048,C052–C053","Complete subsequent-history review not performed"],["Responsive Minnesota construction","Not located/read for stated gaps","C056","Published majority/final interpretation"],["2021 state amendment","Answered selected chain","C002","No full omnibus read"],["2022 resource mandate","Answered","C003","Current update implementation"],["2026 state overlay/index","Answered narrowly","C001,C005","Complete later-law sweep"],["Rule repeal/adoption history","Answered current status; historical limits","C006–C007","Complete historical-date reconstruction where needed"],["P01–P16 fictional postures","Completed","Section G","No actual actor findings"],["Example1 notice/itemization/receipt","Completed conditionally","C057","No real deadline"],["Example2 dispute/pause","Completed conditionally","C058","Verification assumed, not approved"],["Example3 calls/third parties/work","Completed conditionally","C059","No actual contact"],["Example4 electronic/LCM/opt-out","Completed conditionally","C060","No message/template approval"],["Failed-source recovery","Disclosed","Source failure table","Updated E-SIGN remains missing"],["P01/current-dimension crosswalk","Preserved below","C062","No fabricated P01 collection row"],["Credentials/security/charges/renewal","Deferred","C063","P10 not a premise"],["DMP/settlement/CSO fees/funds/referrals/CROA","Deferred","C063","Separate components"],["Debt validity/standing/ownership proof","Deferred except verification distinction","C048–C049","Actual substantive/evidentiary law"],["Identity theft/bankruptcy/FCRA correction","Individually deferred","C049,C052","Separate operative regimes"],["Service/default/vacatur/limitations/judgment","Individually deferred","C063","Separate procedural analysis"],["Wage/bank/other-property enforcement","Deferred","C063","No enforcement permission"],["Secured/sector/local/tribal law","Deferred","C063","Specific jurisdiction/activity facts"],["Full remedies/surety/parent-state completion","Not established","C063–C064","Remaining dimensions remain open"]]},{"headers":["Documented record","Preserved status","PASS-11 contribution"],"index":24,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Documented record","Preserved status","PASS-11 contribution"],["Same-coordinator P01 review, October 25, 2026, 06:05:22.078169Z","Retained “every remaining state, contract, sector, local and tribal category” after provider/fee work","Fresh narrow communications/validation/dispute analysis"],["Current component inventory","collection_conduct_documentation_reporting remains unaccepted","This pass addresses only the specified substantive gateway"],["Authorized parent collection requirement","Includes original-creditor versus third-party coverage","Necessary actor distinctions freshly established with holds"],["P01–P09","Separate reviewed scopes and limitations","Not expanded into communications clearance"],["P10","Saved but unreviewed","Not used as a premise; no credential, case or bond conclusion imported"]]}],"claims":[{"claim_id":"S_MN-P11-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C001","Actor/predicate, step/clock and consequence":"Source currency is limited to stated Minnesota/USC/eCFR versions","Authority/pinpoint":"S001–S016, S019–S038","Confidence/limit":"High version finding; no all-later-law certificate"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C002","Actor/predicate, step/clock and consequence":"2021 §17 conduct changes effective August 1, 2021","Authority/pinpoint":"S009, art.5 §17","Confidence/limit":"High—enacted text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C003","Actor/predicate, step/clock and consequence":"Counseling section has distinct 2022/2023/update dates","Authority/pinpoint":"S010 §3","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C004","Actor/predicate, step/clock and consequence":"Currently linked sheet is one page, printed August 2023","Authority/pinpoint":"S017–S018","Confidence/limit":"Fresh access, historical revision"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C005","Actor/predicate, step/clock and consequence":"2026 servicer exclusion is scope-limited and not federal immunity","Authority/pinpoint":"S002,S011–S013","Confidence/limit":"High narrow finding"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C006","Actor/predicate, step/clock and consequence":"Chapter2870 old rules are repealed in current codification","Authority/pinpoint":"S015–S016","Confidence/limit":"Current status high; exact historical date chain held"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C007","Actor/predicate, step/clock and consequence":"Regulation F adoption/correction dates differ from proposed delay","Authority/pinpoint":"S039–S042","Confidence/limit":"High selected chain"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C008","Actor/predicate, step/clock and consequence":"State collection/buyer predicates differ from federal ones","Authority/pinpoint":"S001–S002","Confidence/limit":"High—text; actual actor unknown"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C009","Actor/predicate, step/clock and consequence":"Federal consumer/debt definitions require alleged natural-person obligation and consumer purpose","Authority/pinpoint":"S019(3),(5)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C010","Actor/predicate, step/clock and consequence":"Own-creditor, false-name and principal-purpose analysis cannot be collapsed","Authority/pinpoint":"S006; S019(4),(6)","Confidence/limit":"Conditional application"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C011","Actor/predicate, step/clock and consequence":"Servicer, employee, affiliate, attorney and security-interest predicates are rule-specific","Authority/pinpoint":"S019(6); S027","Confidence/limit":"High—text; broader actor analysis deferred"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C012","Actor/predicate, step/clock and consequence":"Reygadas supports classification on its record but rejects automatic liability imputation","Authority/pinpoint":"S048 pp.7–12","Confidence/limit":"Published controlling-circuit construction, fact-limited"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C013","Actor/predicate, step/clock and consequence":"Communication and attempt have different triggers","Authority/pinpoint":"S019(2); 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broader TCPA not reviewed"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C020","Actor/predicate, step/clock and consequence":"Listed-number callback restriction and exceptions are independent of federal privacy/work rules","Authority/pinpoint":"S003(a)(15)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C021","Actor/predicate, step/clock and consequence":"State client reports/regulator access are not universal debtor-file rights","Authority/pinpoint":"S003(a)(8); S007–S008","Confidence/limit":"High recipient distinction"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C022","Actor/predicate, step/clock and consequence":"No separate universal MN30-day validation/free-document checklist was established","Authority/pinpoint":"Read state bodies and search","Confidence/limit":"Bounded finding, not all-law absence"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C023","Actor/predicate, step/clock and consequence":"Initial oral/first written and later federal disclosures differ","Authority/pinpoint":"S023(11); 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not blanket consent"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C036","Actor/predicate, step/clock and consequence":"Text procedure’s freshness/reassignment conditions are not satisfied by any old phone number","Authority/pinpoint":"S028(d)(5)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C037","Actor/predicate, step/clock and consequence":"Simple opt-out and known wrong-party facts affect continued contact","Authority/pinpoint":"S028(d)(3),(e); S030(h)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C038","Actor/predicate, step/clock and consequence":"Employer email/public social media have additional restrictions","Authority/pinpoint":"S032(f)(3)–(4)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C039","Actor/predicate, step/clock and consequence":"Initial validation timing, paid-debt exception and excluded initial communications are specific","Authority/pinpoint":"S025(a),(d)–(e); S033(a),(b)(2)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C040","Actor/predicate, step/clock and consequence":"Validation fields and consistent reference-date itemization are required","Authority/pinpoint":"S033(b)(3),(c)","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C041","Actor/predicate, step/clock and consequence":"Assumed receipt excludes stated weekends/holidays;30-day period is separate","Authority/pinpoint":"S033(b)(5), comments; S044(a)","Confidence/limit":"High—text; actual delivery facts matter"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C042","Actor/predicate, step/clock and consequence":"Model-form safe harbor does not eliminate separate state requirements","Authority/pinpoint":"S033(d); 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no universal packet"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C049","Actor/predicate, step/clock and consequence":"Silence/dispute/verification is not admission, payment or adjudication","Authority/pinpoint":"S025(c); S034; models","Confidence/limit":"High distinction"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C050","Actor/predicate, step/clock and consequence":"Required disclosures need actual-notice expectation and retainable/accessibility form","Authority/pinpoint":"S035(a), comments","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C051","Actor/predicate, step/clock and consequence":"Outgoing electronic notice/verification requirements differ from consumer electronic writing","Authority/pinpoint":"S035(b); S034 comments; S043(c)","Confidence/limit":"E-SIGN currentness limitation retained"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C052","Actor/predicate, step/clock and consequence":"Known dispute affects credit-information communications; Wilhelm is not full FCRA update law","Authority/pinpoint":"S023(8); S046","Confidence/limit":"Narrow published application"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C053","Actor/predicate, step/clock and consequence":"Scheffler permits its specific responsive interaction, not blanket future contact","Authority/pinpoint":"S047 pp.6–9","Confidence/limit":"Published fact-limited holding"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C054","Actor/predicate, step/clock and consequence":"State and federal retention duties are not consumer-file access rights","Authority/pinpoint":"S008; S036","Confidence/limit":"High—text; full records audit deferred"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C055","Actor/predicate, step/clock and consequence":"Rulemaking/enforcement and stronger-state-law preservation remain distinct","Authority/pinpoint":"S026; S037","Confidence/limit":"High—text"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C056","Actor/predicate, step/clock and consequence":"Identified form/commentary/state conflicts remain bounded holds","Authority/pinpoint":"Currentness matrix and sources","Confidence/limit":"No invented harmonization"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C057","Actor/predicate, step/clock and consequence":"Example1’s notice and receipt/itemization calculations follow stipulated facts","Authority/pinpoint":"Example1; C039–C042","Confidence/limit":"Fictional, not actual deadline"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C058","Actor/predicate, step/clock and consequence":"Example2 separates oral/written/request pauses and unchanged balance","Authority/pinpoint":"Example2; C043–C051","Confidence/limit":"Conditional verification assumption"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C059","Actor/predicate, step/clock and consequence":"Example3 separates counts, conversations and independent restrictions","Authority/pinpoint":"Example3; C024–C034","Confidence/limit":"No outreach approval"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C060","Actor/predicate, step/clock and consequence":"Example4 separates LCM, email, opt-out and wrong-party treatment","Authority/pinpoint":"Example4; C014–C017,C035–C051","Confidence/limit":"Actual consent/DBA assumptions essential"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C061","Actor/predicate, step/clock and consequence":"Sixteen postures are conditional and do not identify an authorized actor","Authority/pinpoint":"Section G","Confidence/limit":"Hypothetical only"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C062","Actor/predicate, step/clock and consequence":"P01 remaining-state statement and current dimension remain separate provenance records","Authority/pinpoint":"Supplied context","Confidence/limit":"No fabricated original row"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C063","Actor/predicate, step/clock and consequence":"No actual account, debt validity, actor or parent-state acceptance is established","Authority/pinpoint":"Scope/evidence limits","Confidence/limit":"Express hold"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C064","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C064","Actor/predicate, step/clock and consequence":"Remedies/defenses were read only as necessary; no recovery or enforcement outcome calculated","Authority/pinpoint":"S026","Confidence/limit":"Full remedies deferred"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"},{"claim_id":"S_MN-P11-C065","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim":"C065","Actor/predicate, step/clock and consequence":"Estate notice/dispute treatment requires actual representative authority and applicable predicates","Authority/pinpoint":"S028(a); S033 comment34(a)(1)-1; S034 comment38-3","Confidence/limit":"High text; no family-liability inference"},"raw_table_index":22,"coordinator_verification_status":"not_yet_checked"}],"sources":[{"source_id":"S_MN-P11-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-P11-S001","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.31","Actual read scope, version/effect and limitation":"Fresh definitions body, particularly subds. 2, 3, 6, 8–9. 2025 display; no credential rerun."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-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-P11-S002","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.32","Actual read scope, version/effect and limitation":"Fresh complete displayed exclusions and 2026 warning. Requires S011 overlay; actual exclusion not determined."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S003","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-P11-S003","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.37","Actual read scope, version/effect and limitation":"Fresh complete operative clauses and history; relied on (a)(1)–(9), (12)–(16), (20), (22)–(23), and (b). Sector, fees and litigation not comprehensively analyzed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S004","urls":["https://www.revisor.mn.gov/statutes/cite/332.365","https://www.revisor.mn.gov/statutes/cite/332.365?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S004","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.365","Actual read scope, version/effect and limitation":"Fresh complete section and history. Document, media, update and 120-day conditions."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S005","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-P11-S005","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.355","Actual read scope, version/effect and limitation":"Fresh complete responsibility provision. No actual agency-liability finding."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S006","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-P11-S006","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.38","Actual read scope, version/effect and limitation":"Fresh complete anti-evasion/false-name provision."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S007","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-P11-S007","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.40","Actual read scope, version/effect and limitation":"Fresh examination/access body; recipient and regulator purpose checked. Full enforcement deferred."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S008","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-P11-S008","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/332.42","Actual read scope, version/effect and limitation":"Fresh complete financial-record/retention body. Not a debtor-access substitute."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S009","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-P11-S009","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2021/1/4/","Actual read scope, version/effect and limitation":"Fresh art. 5 §17, complete conduct amendment and express August 1, 2021 date; relevant adjacent provisions inspected. Not entire act."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S010","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-P11-S010","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2022/0/70/","Actual read scope, version/effect and limitation":"Fresh §3, all staged dates and signature. Agency compliance from September 1, 2023 distinguished from section effectiveness."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S011","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-P11-S011","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 and limitation":"Fresh §57 operative exclusion amendment and adjacent boundary. No fresh full-act sequential analysis."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S012","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-P11-S012","Issuer and complete HTTPS URL":"Revisor — https://www.revisor.mn.gov/statutes/cite/645.02","Actual read scope, version/effect and limitation":"Fresh complete operative default-date and 12:01 a.m. rules."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S013","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-P11-S013","Issuer and complete HTTPS URL":"House Public Information — https://www.house.mn.gov/NewLaws/story/2026/5756","Actual read scope, version/effect and limitation":"Fresh chapter effective-date statement. Official secondary chronology; reviewed act-level classification remains attributed context."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S014","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-P11-S014","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 and limitation":"Fresh targeted Chapter 332 entries. Regular-session index, not full later-law certification."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S015","urls":["https://www.revisor.mn.gov/rules/2870/full","https://www.revisor.mn.gov/rules/2870/full?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S015","Issuer and complete HTTPS URL":"Revisor rules — https://www.revisor.mn.gov/rules/2870/full","Actual read scope, version/effect and limitation":"Fresh current repeal notices/history. No old operative rule used."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S016","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-P11-S016","Issuer and complete HTTPS URL":"Legislature/Revisor — https://www.revisor.mn.gov/laws/2014/0/222/","Actual read scope, version/effect and limitation":"Fresh art. 1 §58 rule repealer and adjacent boundary. Exact historical general effective-date chain not reconstructed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S017","urls":["https://mn.gov/commerce/money/non-depository/debt-services/","https://mn.gov/commerce/money/non-depository/debt-services/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S017","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce/money/non-depository/debt-services/","Actual read scope, version/effect and limitation":"Fresh narrow counseling-document link and description. Other operational subjects not adopted."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S018","urls":["https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf","https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S018","Issuer and complete HTTPS URL":"Commerce — https://mn.gov/commerce-stat/pdfs/2023_credit_counseling_all.pdf","Actual read scope, version/effect and limitation":"Fresh complete one-page sheet; visually inspected; printed August 2023. No organization status check or update-notification history."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S019","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692a/","https://uscode.house.gov/us/usc/119-120/t15/s1692a/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S019","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692a/","Actual read scope, version/effect and limitation":"Fresh complete relevant definitions and notes. Through PL119-120, October 7, 2026."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S020","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692b/","https://uscode.house.gov/us/usc/119-120/t15/s1692b/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S020","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692b/","Actual read scope, version/effect and limitation":"Fresh complete location-information provision. Same currency limit."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S021","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692c/","https://uscode.house.gov/us/usc/119-120/t15/s1692c/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S021","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692c/","Actual read scope, version/effect and limitation":"Fresh complete communications, third-party, cease and expanded-consumer provisions."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S022","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692d/","https://uscode.house.gov/us/usc/119-120/t15/s1692d/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S022","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692d/","Actual read scope, version/effect and limitation":"Fresh complete harassment provision."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S023","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692e/","https://uscode.house.gov/us/usc/119-120/t15/s1692e/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S023","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692e/","Actual read scope, version/effect and limitation":"Fresh complete false/misleading-representation body; particularly (5), (8), (10)–(11), (14)."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S024","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692f/","https://uscode.house.gov/us/usc/119-120/t15/s1692f/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S024","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692f/","Actual read scope, version/effect and limitation":"Fresh operative unfair-practice body; necessary unauthorized-amount, envelope and security-interest distinctions."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S025","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692g/","https://uscode.house.gov/us/usc/119-120/t15/s1692g/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S025","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692g/","Actual read scope, version/effect and limitation":"Fresh complete validation/dispute provision, including no-admission and excluded communications."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S026","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1692k/","https://uscode.house.gov/us/usc/119-120/t15/s1692l/","https://uscode.house.gov/us/usc/119-120/t15/s1692n/","https://uscode.house.gov/us/usc/119-120/t15/s1692k/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1692l/?utm_source=chatgpt.com","https://uscode.house.gov/us/usc/119-120/t15/s1692n/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S026","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t15/s1692k/ ; https://uscode.house.gov/us/usc/119-120/t15/s1692l/ ; https://uscode.house.gov/us/usc/119-120/t15/s1692n/","Actual read scope, version/effect and limitation":"Fresh relevant liability/defense, enforcement/rulemaking and state-law provisions. Same underlying statute; no damages or limitations model."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S027","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-P11-S027","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/2/","Actual read scope, version/effect and limitation":"Fresh relevant operative definitions and official commentary, including attempt, communication, consumer, collector and LCM."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S028","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/6/","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/","https://www.consumerfinance.gov/rules-policy/regulations/1006/6/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S028","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/6/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-6/","Actual read scope, version/effect and limitation":"Fresh complete relevant rule and commentary: inconvenience, representation, employment, cease, third parties, electronic procedures and opt-outs. Same rule/commentary, not independent authority."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S029","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/10/","https://www.consumerfinance.gov/rules-policy/regulations/1006/10/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S029","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/10/","Actual read scope, version/effect and limitation":"Fresh operative location-information rule and commentary."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S030","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/14/","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/","https://www.consumerfinance.gov/rules-policy/regulations/1006/14/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S030","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/14/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-14/","Actual read scope, version/effect and limitation":"Fresh relevant full telephone-frequency, exclusions, general harassment and medium-restriction bodies/comments."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S031","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/18/","https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S031","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/18/","Actual read scope, version/effect and limitation":"Fresh relevant operative body and comments; disclosures, false names/amounts/threats, translation."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S032","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/22/","https://www.consumerfinance.gov/rules-policy/regulations/1006/22/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S032","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/22/","Actual read scope, version/effect and limitation":"Fresh necessary unauthorized-amount, envelope, employer-email, social-media and electronic safe-harbor text."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S033","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/","https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S033","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-34/","Actual read scope, version/effect and limitation":"Fresh relevant rule and official commentary: initial notice, reference dates, receipt, fields, response, format/safe harbor and state additions. Special mortgage regime not analyzed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S034","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/","https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com","https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S034","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ ; https://www.consumerfinance.gov/rules-policy/regulations/1006/interp-38/","Actual read scope, version/effect and limitation":"Fresh complete operative dispute/original-creditor/duplicate provisions and commentary, including electronic writing and estates."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S035","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S035","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","Actual read scope, version/effect and limitation":"Fresh complete required-delivery rule and commentary; exact electronic subsection distinctions."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S036","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","https://www.consumerfinance.gov/rules-policy/regulations/1006/100/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S036","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","Actual read scope, version/effect and limitation":"Fresh complete relevant retention rule/comments. No consumer-file access right inferred."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S037","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/104/","https://www.consumerfinance.gov/rules-policy/regulations/1006/104/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S037","Issuer and complete HTTPS URL":"CFPB — https://www.consumerfinance.gov/rules-policy/regulations/1006/104/","Actual read scope, version/effect and limitation":"Fresh complete state-law relationship provision."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S038","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006","https://www.ecfr.gov/current/title-12/chapter-X/part-1006?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S038","Issuer and complete HTTPS URL":"OFR/eCFR — https://www.ecfr.gov/current/title-12/chapter-X/part-1006","Actual read scope, version/effect and limitation":"Fresh currency and history metadata, plus corresponding retrieved rule text. Display through October 23, 2026; not every appendix analyzed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S039","urls":["https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S039","Issuer and complete HTTPS URL":"CFPB final rule, 85 FR 76734 — https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","Actual read scope, version/effect and limitation":"Fresh action, summary, authority discussion and DATES; November 30, 2021 effective date. HTML published-document rendition, not whole-rule/PDF verification."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S040","urls":["https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S040","Issuer and complete HTTPS URL":"CFPB final rule, 86 FR 5766 — https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","Actual read scope, version/effect and limitation":"Fresh relevant adoption/date discussion and selected itemization explanation; effective November 30, 2021. Not entire preamble."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S041","urls":["https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date","https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S041","Issuer and complete HTTPS URL":"CFPB withdrawal, 86 FR 48918 — https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date","Actual read scope, version/effect and limitation":"Fresh operative withdrawal and explanation. Proposed delay withdrawn September 1, 2021; not an enacted January 2022 delay."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S042","urls":["https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections"],"researcher_record":{"Source ID":"S_MN-P11-S042","Issuer and complete HTTPS URL":"CFPB correction, 87 FR 65668 — https://www.federalregister.gov/documents/2022/11/01/2022-23559/debt-collection-practices-regulation-f-corrections","Actual read scope, version/effect and limitation":"Fresh effect, explanation and corrected §1006.38 introductory comments. Effective November 1, 2022. Credit-reporting subsection not analyzed as a full furnishing regime."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S043","urls":["https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm","https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S043","Issuer and complete HTTPS URL":"GPO, 2024 USC — https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap96-subchapI-sec7001.htm","Actual read scope, version/effect and limitation":"Fresh §7001(c) and necessary surrounding validity/retention text. Dated official recovery; updated route failed."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S044","urls":["https://uscode.house.gov/us/usc/119-120/t5/s6103/","https://uscode.house.gov/us/usc/119-120/t5/s6103/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S044","Issuer and complete HTTPS URL":"OLRC — https://uscode.house.gov/us/usc/119-120/t5/s6103/","Actual read scope, version/effect and limitation":"Fresh subsection (a) holiday list; subsection (b) not mechanically imported as the Reg F receipt rule."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S045","urls":["https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf","https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S045","Issuer and complete HTTPS URL":"Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf","Actual read scope, version/effect and limitation":"Fresh official Dunham, ten pages; relevant majority analysis and disposition, slip pp. 5–10; relevant page visually inspected."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S046","urls":["https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf","https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S046","Issuer and complete HTTPS URL":"Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf","Actual read scope, version/effect and limitation":"Fresh official Wilhelm, nine pages; relevant reporting/threat/defense analysis and disposition; page visually inspected."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S047","urls":["https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf","https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S047","Issuer and complete HTTPS URL":"Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/18/08/172141P.pdf","Actual read scope, version/effect and limitation":"Fresh official Scheffler, nine pages; relevant cease/request/response analysis and disposition; page visually inspected."},"coordinator_verification_status":"not_yet_checked"},{"source_id":"S_MN-P11-S048","urls":["https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf","https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_MN-P11-S048","Issuer and complete HTTPS URL":"Eighth Circuit — https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf","Actual read scope, version/effect and limitation":"Fresh official Reygadas, twelve pages; classification and agency/knowledge disposition; relevant page visually inspected."},"coordinator_verification_status":"not_yet_checked"}],"coverage":[{"topic":"State collection/buyer actor definitions","researcher_record":{"Issue":"State collection/buyer actor definitions","Status":"Answered textually","Claims/examples":"C008","Missing evidence or next action":"Actual activity and exclusion facts"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Original-creditor/false-name distinction","researcher_record":{"Issue":"Original-creditor/false-name distinction","Status":"Answered conditionally","Claims/examples":"C010","Missing evidence or next action":"Actual name, ownership and collection arrangement"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Federal consumer/debt purpose","researcher_record":{"Issue":"Federal consumer/debt purpose","Status":"Answered","Claims/examples":"C009","Missing evidence or next action":"Actual transaction purpose"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Debt-buyer principal purpose","researcher_record":{"Issue":"Debt-buyer principal purpose","Status":"Answered with precedent","Claims/examples":"C012","Missing evidence or next action":"Actual business record; not all buyers covered"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Servicer/default timing","researcher_record":{"Issue":"Servicer/default timing","Status":"Partial application","Claims/examples":"C011","Missing evidence or next action":"Acquisition/default/activity facts"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"2026 state servicer exclusion","researcher_record":{"Issue":"2026 state servicer exclusion","Status":"Answered narrowly","Claims/examples":"C005","Missing evidence or next action":"Actual license/scope"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Employees/affiliates","researcher_record":{"Issue":"Employees/affiliates","Status":"Partial application","Claims/examples":"C011","Missing evidence or next action":"Actual statutory conditions and agency relationship"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Attorney coverage","researcher_record":{"Issue":"Attorney coverage","Status":"Answered distinction","Claims/examples":"C011","Missing evidence or next action":"Actual regular-collection activity; ethics deferred"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Security-interest actor","researcher_record":{"Issue":"Security-interest actor","Status":"Boundary only","Claims/examples":"C011","Missing evidence or next action":"Full secured-activity analysis deferred"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Remote Minnesota nexus","researcher_record":{"Issue":"Remote Minnesota nexus","Status":"Partial","Claims/examples":"C008,C063","Missing evidence or next action":"Actual connections and territorial authority"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Communication versus attempt","researcher_record":{"Issue":"Communication versus attempt","Status":"Answered","Claims/examples":"C013","Missing evidence or next action":"Actual content"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"LCM elements","researcher_record":{"Issue":"LCM elements","Status":"Answered","Claims/examples":"C014","Missing evidence or next action":"Actual voicemail and recipient"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"LCM versus Minnesota name duty","researcher_record":{"Issue":"LCM versus Minnesota name duty","Status":"Unresolved application","Claims/examples":"C015","Missing evidence or next action":"Registered name/DBA and responsive state construction"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Initial/later federal disclosure","researcher_record":{"Issue":"Initial/later federal disclosure","Status":"Answered","Claims/examples":"C023","Missing evidence or next action":"Actual oral/written content"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Minnesota full business name","researcher_record":{"Issue":"Minnesota full business name","Status":"Answered","Claims/examples":"C015","Missing evidence or next action":"Actual licensed/registered name"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Initial-mail licensing statement/font","researcher_record":{"Issue":"Initial-mail licensing statement/font","Status":"Answered","Claims/examples":"C016","Missing evidence or next action":"Actual notice layout"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Resource-sheet body/version","researcher_record":{"Issue":"Resource-sheet body/version","Status":"Read","Claims/examples":"C004,C017","Missing evidence or next action":"Later notice/update history"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Resource-sheet oral-first interpretation","researcher_record":{"Issue":"Resource-sheet oral-first interpretation","Status":"Held","Claims/examples":"C017","Missing evidence or next action":"Controlling interpretation or official specific instruction"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Email/text resource-sheet implementation","researcher_record":{"Issue":"Email/text resource-sheet implementation","Status":"Partial","Claims/examples":"C017","Missing evidence or next action":"Actual delivery/layout and responsive guidance"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"False public/attorney implications","researcher_record":{"Issue":"False public/attorney implications","Status":"Answered","Claims/examples":"C018","Missing evidence or next action":"Actual statement and authority"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Threat/harassment/privacy","researcher_record":{"Issue":"Threat/harassment/privacy","Status":"Answered gateway","Claims/examples":"C018,C024–C038","Missing evidence or next action":"Actual conduct"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Automated recorded-message stop","researcher_record":{"Issue":"Automated recorded-message stop","Status":"Answered","Claims/examples":"C019","Missing evidence or next action":"Actual request/method"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Listed-number neighbor callback","researcher_record":{"Issue":"Listed-number neighbor callback","Status":"Answered","Claims/examples":"C020","Missing evidence or next action":"Actual listed number/authorization"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Written explanations/free copies","researcher_record":{"Issue":"Written explanations/free copies","Status":"No universal state right established","Claims/examples":"C021–C022","Missing evidence or next action":"Specific contract/sector/FCRA/litigation authority"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"State regulator/client access","researcher_record":{"Issue":"State regulator/client access","Status":"Answered recipient distinction","Claims/examples":"C021","Missing evidence or next action":"No debtor substitution"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Time/place/inconvenience","researcher_record":{"Issue":"Time/place/inconvenience","Status":"Answered","Claims/examples":"C024","Missing evidence or next action":"Actual knowledge and location"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Workplace restriction","researcher_record":{"Issue":"Workplace restriction","Status":"Answered","Claims/examples":"C026","Missing evidence or next action":"Employer prohibition/knowledge"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Known representation","researcher_record":{"Issue":"Known representation","Status":"Answered with fact limits","Claims/examples":"C025,C012","Missing evidence or next action":"Counsel and actor-knowledge facts"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Spouse/minor parent/guardian","researcher_record":{"Issue":"Spouse/minor parent/guardian","Status":"Answered communications role","Claims/examples":"C027","Missing evidence or next action":"No personal debt liability inferred"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Estate/successor categories","researcher_record":{"Issue":"Estate/successor categories","Status":"Answered conditionally","Claims/examples":"C065","Missing evidence or next action":"Actual authority and prior-notice/dispute facts"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Third-party permitted contacts","researcher_record":{"Issue":"Third-party permitted contacts","Status":"Answered","Claims/examples":"C028","Missing evidence or next action":"Actual recipient/exception"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Location inquiries","researcher_record":{"Issue":"Location inquiries","Status":"Answered","Claims/examples":"C029","Missing evidence or next action":"Actual purpose/content/frequency"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Whole-debt cease/refusal","researcher_record":{"Issue":"Whole-debt cease/refusal","Status":"Answered","Claims/examples":"C030","Missing evidence or next action":"Receipt and request scope"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Medium-specific request","researcher_record":{"Issue":"Medium-specific request","Status":"Answered","Claims/examples":"C031","Missing evidence or next action":"Actual wording and destination"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Consumer-initiated response","researcher_record":{"Issue":"Consumer-initiated response","Status":"Answered narrowly","Claims/examples":"C025,C031,C053","Missing evidence or next action":"Actual interaction; no general waiver"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Call-frequency thresholds","researcher_record":{"Issue":"Call-frequency thresholds","Status":"Answered","Claims/examples":"C032","Missing evidence or next action":"Per-person/per-debt log"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Call versus conversation","researcher_record":{"Issue":"Call versus conversation","Status":"Answered","Claims/examples":"C033","Missing evidence or next action":"Actual event type"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Excluded calls/direct consent","researcher_record":{"Issue":"Excluded calls/direct consent","Status":"Answered conditionally","Claims/examples":"C034","Missing evidence or next action":"Actual prior consent and termination"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Cumulative harassment","researcher_record":{"Issue":"Cumulative harassment","Status":"Answered principle","Claims/examples":"C032–C033","Missing evidence or next action":"Full conduct context"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Email consumer route","researcher_record":{"Issue":"Email consumer route","Status":"Answered conditionally","Claims/examples":"C035","Missing evidence or next action":"Actual use/consent/no opt-out"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Creditor email route","researcher_record":{"Issue":"Creditor email route","Status":"Answered conditionally","Claims/examples":"C035","Missing evidence or next action":"Specific notice,35-day period and other predicates"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Prior-collector email route","researcher_record":{"Issue":"Prior-collector email route","Status":"Answered conditionally","Claims/examples":"C035","Missing evidence or next action":"Prior route and current knowledge"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Text/reassignment route","researcher_record":{"Issue":"Text/reassignment route","Status":"Answered conditionally","Claims/examples":"C036","Missing evidence or next 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restrictions"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"No response deadline","researcher_record":{"Issue":"No response deadline","Status":"Answered","Claims/examples":"C047","Missing evidence or next action":"No invented30-day verification deadline"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Verification content","researcher_record":{"Issue":"Verification content","Status":"Fact-specific; controlling case read","Claims/examples":"C048","Missing evidence or next action":"Actual dispute and response"},"raw_table_index":23,"record_kind":"granular_coverage_and_hold","coordinator_acceptance":"unreviewed_not_accepted"},{"topic":"Original contract/assignment packet","researcher_record":{"Issue":"Original contract/assignment packet","Status":"No universal checklist established","Claims/examples":"C048","Missing evidence or 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