{"meta":{"key":"s_ne--pass-08","task":"S_NE","title":"SNE Nebraska collection-agency and debt-buyer licensing; original-creditor versus third-party coverage; state-specific collection conduct","parent_title":"Nebraska debt and debt relief law","edition":"pass-08","path":"/research/s_ne--pass-08/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":55,"sources":23,"review_status":"eight_bounded_source_claim_and_statutory_qualification_findings_pending_UNSENT","review_complete":true,"sha256":"c4ed07f34893d37ddefaaffbab39068bc225ef4016f06e1e7b9a944b98be83eb","headings":["Focused determination","A1. Core state definition","Commercial versus consumer claims","One-client edge","A2. Model-by-license and exemption matrix","A3. Out-of-state and remote nexus","B1. Regulator and current filing route","B2. Applicant qualifications","B3. Office, branch, and solicitor requirements","B4. Entry amounts and collector-specific security","B5. Renewal-date conflict","B6. License changes and termination","B7. Recordkeeping","B8. Public verification and complaints","B9. Consumer-facing license information","C1. General Collection Agency Act conduct layer","C2. State-conduct matrix","C3. Installment-loan collection restrictions","Third-party contacts","Written cease-contact instruction","Prohibited methods","C4. Workers’ compensation medical debt","C5. Assault- and abuse-related medical bills","C6. Public debts","C7. NCPA boundary","D1. State versus federal coverage","D2. Debt buyers","Henson","Reygadas","D3. Attorneys","D4. Security-interest enforcement","D5. Material federal communications rules","Example 1 — Original creditor versus false-name collection","Facts A","Facts B","Example 2 — Commercial accounts","Example 3 — Debt buyer and separate servicer","Example 4 — Passive buyer classification hold","Example 5 — Remote agency","Scenario A","Scenario B","Example 6 — Attorney model","Facts A","Facts B","Example 7 — Installment-loan workplace and cease instruction","Example 8 — False arrest threat and unauthorized fee","Example 9 — Public criminal-court debt fee","Debt of $600","Debt of $400","Example 10 — Workers’ compensation medical debt","Example 11 — Electronic contact","Example 12 — Eight calls in seven days","Freshly read in PASS-08","Fresh access failures and limitations","Not read or not performed"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_NE/pass-08","facets":{"geography":["us","us-ne"],"debt_type":["unknown"],"stage":["collection"],"subject":["definitions-classification","provider-licensing"]},"scope":"Distinct required registry dimension2: collector licensing/model coverage and state-specific conduct only; detailed validation/reporting/litigation/remedies later.","pending_corrections":8},"markdown":"# S_NE PASS-08 — Nebraska collection-agency and debt-buyer licensing; original-creditor versus third-party coverage; state-specific collection conduct\n\n**Actual fresh research date:** October 26, 2026, Pacific time / October 26, 2026 UTC\n**Mode/model:** Regular Chat; GPT-5.6 Sol Pro\n**Review status:** Same-project continuation, **not independent review**.\n\nThis pass is limited to Nebraska collection-agency licensing and classification, public entry/verification evidence, and substantive Nebraska collection-conduct rules. It does not accept or regenerate the prior debt-adjustment, fee, funds, security, agreement, or provider-remedies components. Detailed validation, documentation, credit reporting, debt-specific limitations or revival, collection litigation, service, default judgments, garnishment, secured-credit procedures, local or tribal rules, and full collection remedies remain separate required work.\n\n## Focused determination\n\nNebraska’s Collection Agency Act is not limited to consumer debt. Its licensing definition reaches persons soliciting claims “of any kind” from more than one creditor-client and asserting, enforcing, or prosecuting those claims. The agency-hosted rule confirms that licensed-agency records may involve a “consumer or business,” making commercial collection plainly relevant to the state license even though the federal FDCPA ordinarily applies only to personal, family, or household obligations. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\nThe principal state classifications are:\n\n- A creditor collecting its own accounts in its true name is generally outside the Nebraska “collection agency” definition on the statute’s structure.\n- A creditor using a fictitious or other name suggesting that a third person is collecting is expressly brought inside the definition.\n- A purchaser for value collecting purchased accounts in the purchaser’s own name is expressly excluded.\n- A conventional agency soliciting collection claims from multiple creditor-clients is covered.\n- Attorneys are excluded only while handling claims in their own names and not operating an agency under lay management.\n- Nebraska has no general collection-agency exemption merely for an affiliate, nonprofit, remote company, debt-relief licensee, or federally regulated collector. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\nThe purchaser exclusion is sharply different from current federal law. Under *Henson*, ownership of purchased debt defeats only the FDCPA’s “regularly collects debts owed another” branch. Under the Eighth Circuit’s *Reygadas* decision, a debt buyer whose principal business purpose is collecting purchased consumer debts can still be a federal debt collector even when independent agencies or lawyers perform the direct collection. [Supreme Court+1](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf)\n\nNebraska’s Collection Agency Act and Chapter 2 licensing rules do **not** contain a general communications code equivalent to FDCPA/Regulation F. The reviewed state collection-agency authorities do not set general 8 a.m.–9 p.m. hours, third-party-contact rules, attorney-representation rules, numeric call-frequency limits, cease-contact rules, electronic opt-outs, validation procedures, or broad fee restrictions for every Nebraska-licensed collection agency. Chapter 2 merely requires the Board to inform applicants that the federal FDCPA exists. More detailed Nebraska conduct restrictions exist in particular sectors—notably the Nebraska Installment Loan and Sales Act, workers’ compensation medical debt, specified assault/abuse medical bills, and public debts. [Nebraska Secretary of State+3](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\n# A. Nebraska licensing and classification\n\n## A1. Core state definition\n\nNeb. Rev. Stat. §45-602 defines a collection agency through three principal branches:\n\n1. Persons or entities directly or indirectly soliciting, from **more than one** person or entity, claims “of any kind” owed or asserted to be owed to those solicited clients, plus persons asserting, enforcing, or prosecuting those claims;\n2. A person collecting its own account under a fictitious or other name indicating that a third person is collecting; and\n3. A person selling or giving an unlicensed creditor a letter or form system that represents that a third party is collecting the creditor’s claim. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\nNo person may conduct a covered collection-agency business without the Nebraska license. Unlicensed operation is a Class III misdemeanor for **each day** of unlawful business, and an officer or agent who personally participates is separately reached. A regular employee of a licensed agency need not hold the agency license, but employees who solicit or collect referred accounts fall within the solicitor-certificate architecture. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601)\n\n### Commercial versus consumer claims\n\nThe state definition says “claims of any kind” and does not impose a personal, family, or household purpose restriction. Chapter 2 requires payment records to identify the “consumer’s or business’s” name. Accordingly, a third-party commercial collection agency can require the Nebraska license even though the federal FDCPA does not regulate collection of a business-purpose debt. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602)\n\n### One-client edge\n\nThe clearest §45-602(2)(a) case involves claims solicited from more than one creditor-client. The statute does not squarely resolve a dedicated servicer collecting only for one unaffiliated creditor, one affiliate, or one debt purchaser. Chapter 2’s definition of “soliciting” does not eliminate the statute’s “more than one” text. A one-client servicer may be covered through another branch or facts showing more than one actual client, but that classification remains held rather than assumed.\n\n## A2. Model-by-license and exemption matrix\n\n| Actor or model | Nebraska Collection Agency Act result | Important conditions and unresolved facts | Federal FDCPA contrast |\n| --- | --- | --- | --- |\n| **Original creditor collecting its own debt in its true legal or ordinary business name** | Generally outside the state definition on the text’s structure | Must actually be the owner and not use a name indicating third-party collection | Usually outside FDCPA as creditor, subject to the federal false-name branch |\n| **Original creditor collecting under “National Recovery Bureau” or another name suggesting a separate collector** | Expressly included by §45-602(2)(b) | Whether the name would indicate to the debtor that a third person is collecting is factual | Federal creditor definition has a similar false-name exception |\n| **Regular employee of one creditor collecting that creditor’s accounts** | Expressly excluded | Must be regular employee of a single creditor; separate affiliate or contractor is not automatically an employee | Federal creditor-employee exclusion also requires collection in creditor’s name |\n| **Conventional contingency agency soliciting claims from multiple creditor-clients** | Clearly covered; Nebraska collection-agency license required | Includes consumer and commercial claims | FDCPA applies only when the obligation is a federal “debt” and the actor is a federal debt collector |\n| **Agency collecting commercial receivables for several businesses** | Covered by state licensing | “Claims of any kind”; business-purpose debt does not avoid state license | Commercial obligation is ordinarily outside FDCPA |\n| **Third-party servicer collecting for only one creditor or one buyer** | **Held** under the “more than one” text | Actual clients, affiliates, contract, ownership, names used, and other business lines required | May be FDCPA collector if it regularly collects another’s consumer debts and no exclusion applies |\n| **Debt buyer purchasing accounts for value and collecting in its own name** | Expressly excluded by §45-602(3)(k) | Requires actual purchase for valuable consideration and collection in purchaser’s own name | *Henson* removes only “owed another” branch; *Reygadas* preserves principal-purpose coverage |\n| **Debt buyer using another name suggesting a third-party collector** | Purchaser exclusion is not established because it requires collection in purchaser’s own name | Name, ownership, communications, and entity structure matter | Federal false-name and principal-purpose branches may apply |\n| **Passive buyer outsourcing all direct collection** | State result unresolved | No controlling current Nebraska interpretation of whether outsourcing still constitutes proceeding to collect “in such purchaser’s own name” | *Reygadas* holds outsourcing can still support federal principal-purpose status |\n| **Separate agency servicing purchased accounts for a debt buyer and other clients** | Covered when it solicits or handles claims for multiple clients | Buyer’s own exclusion does not automatically transfer to the servicer | Federal coverage generally likely for consumer debt, subject to exact facts |\n| **Attorney or law firm handling claims in its own name, not under lay management** | Express state exclusion | Attorney status, actual management, name used, and nature of operation required | No blanket federal attorney exemption; *Heintz* covers lawyers regularly collecting consumer debts through litigation |\n| **“Law office” actually managed by nonlawyers as a collection agency** | Attorney exclusion fails on its own terms | Unauthorized-practice and entity facts require later analysis | Federal collector status may also apply |\n| **Licensed collection agency employing collectors** | Agency holds license; individual employees generally use solicitor certificates rather than agency licenses | Purely clerical staff excluded from rule definition of solicitor | Federal liability depends on entity/person and conduct |\n| **Affiliate collecting a parent or sister company’s debts** | No general Nebraska affiliate exemption | One-client issue, employee status, ownership, name, and actual solicitation held | Federal affiliate exclusion is available only under the narrower conditions in §1692a(6)(B) |\n| **Nonprofit collection entity** | No general Collection Agency Act nonprofit exclusion | Actual entity and activity control | Federal law separately excludes only qualifying bona fide nonprofit consumer-credit counseling |\n| **Bank, trust company, savings and loan, or building and loan association** | Expressly excluded | Entity must actually fall within named category | Federal status still depends on creditor/debt-collector definitions |\n| **Real-estate broker or agent** | Excluded only for claims connected to regular licensed real-estate business | Collection outside that business is not covered by exemption | Separate federal analysis |\n| **Person acting under a court order** | Expressly excluded | Actual order and scope required | Separate federal and procedural analysis |\n| **Out-of-state collection agency regulated and resident elsewhere, communicating with Nebraska debtor** | §45-601 says the Act shall not be construed to prohibit that communication | Does not expressly authorize soliciting Nebraska creditor-clients, maintaining a Nebraska business, branches, or all other collection activity | FDCPA and home-state law remain separate |\n| **Out-of-state company soliciting accounts from Nebraska clients** | Rule defines this as “soliciting”; Nebraska licensing risk is substantial | Exact statutory nexus and the “more than one” condition still matter | Federal licensure is not a substitute |\n| **Licensed Nebraska agency with collectors working from home** | Permitted by 2020 guidance if agency maintains required Nebraska office, records, license, and solicitor certification | Guidance is advisory and cannot create new penalties; employee security recommendations are best practices | Federal rules apply independently |\n| **Government collecting its own public debt** | Not the paradigm third-party agency; §45-623 governs outsourcing | Government entity may retain a licensed agency after the statutory notice conditions | Federal government-officer exclusion may apply to officers/employees acting officially |\n| **Third party collecting assigned public debt** | Agency must be licensed under the Collection Agency Act | Public-debt notice and remedy limitations apply | Federal coverage depends on nature of underlying obligation and actor |\n| **Repossession or security-interest enforcement firm** | State collection-agency result not conclusively resolved here | Claim enforcement language, private-detective law, UCC, creditor ownership, and actual demands require later pass | Under *Obduskey*, a business doing no more than nonjudicial security-interest enforcement is generally subject only to FDCPA §1692f(6) |\n| **Medical provider or utility collecting its own account in its own name** | Generally outside the collection-agency definition on those limited facts | Sector statutes and general deceptive-practice rules may still apply | Federal creditor status usually distinct from third-party collector status |\n| **Third-party medical or utility collector with multiple clients** | State license ordinarily required | Sector-specific restrictions may overlay | FDCPA applies only to qualifying consumer obligations |\n\nThe principal state classifications come directly from §§45-601 and 45-602. The debt-purchaser exclusion was also the subject of Nebraska Attorney General Opinion 96085, which concluded that a company purchasing returned checks and collecting them in its own name fell outside the Act and Board jurisdiction. The opinion is historical advisory authority, not a court judgment, but the current purchaser-exclusion wording remains materially similar. [Nebraska Legislature+3](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601)\n\n## A3. Out-of-state and remote nexus\n\nNebraska creates two rules that must not be collapsed:\n\n- Section 45-601 protects a regulated out-of-state collection agency residing elsewhere from having its communication with a Nebraska debtor prohibited by the Act.\n- A Nebraska licensee ordinarily must maintain a regular physical office in Nebraska with records or electronic access to records involving Nebraska clients or debtors. Foreign corporations and LLCs may qualify if authorized to do business in Nebraska and otherwise compliant. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601)\n\nThe communication sentence is narrower than a blanket remote-provider exemption. It does not expressly authorize an out-of-state entity to:\n\n- solicit collection accounts from Nebraska businesses;\n- advertise or hold itself out as a Nebraska collection agency;\n- operate a Nebraska branch;\n- employ uncertified collectors for Nebraska accounts; or\n- disregard other Nebraska or federal conduct law.\n\nThe precise line between protected debtor communication and conducting Nebraska collection-agency business remains unresolved by a located controlling opinion.\n\n# B. Licensing entry, continuity, and public verification\n\n## B1. Regulator and current filing route\n\nThe regulator is the Nebraska Collection Agency Licensing Board, chaired by the Secretary of State. The current public agency page says new applicants must file through NMLS and that paper applications are no longer accepted. Branches are also handled through NMLS. Solicitors are submitted through an alphabetical list including names, aliases, and hire dates, with a $1 fee per solicitor. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/collection-agencies)\n\nThe linked NMLS Nebraska resource page returned no substantive checklist text through the public browsing route. The SOS page remains affirmative evidence of the current filing channel, but a complete current NMLS state checklist was not authenticated in this pass. [Nationwide Licensing System](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NE-SOS)\n\n## B2. Applicant qualifications\n\nA license applicant must be trustworthy, reputable for honesty and fair dealing, financially responsible, and competent. A manager or executive officer ordinarily needs two years’ collection-business experience, although the Board may accept sufficient other business experience. A licensee ordinarily must maintain a Nebraska office; a foreign corporation or LLC must also be authorized to do business in Nebraska. Specified recent fraud or failure-to-account convictions or judgments are disqualifying. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-607)\n\nThe sworn statutory application includes an investigation fee of up to $250 plus any allowed processing fee and a verified financial statement. The agency-hosted Chapter 2 rule currently displays a $200 license fee and $200 investigation fee. The full current rule-adoption history was not authenticated, so the statutory ceilings and displayed rule amounts should be kept distinct. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\n## B3. Office, branch, and solicitor requirements\n\nA “regular office” under Chapter 2 is a physical Nebraska location where a manager, officer, employee, or agent maintains regular or publicly posted hours and where the agency keeps, or can electronically access, collection records involving Nebraska clients or debtors. Failure to maintain it is a revocation ground. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\nA branch certificate is required before business is conducted at a branch. The principal license and branch certificate must be conspicuously displayed at the relevant office. A solicitor certificate is tied to the employing licensee and becomes void when the license lapses or employment terminates. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-609)\n\nGuidance Document 20-01 permits certified solicitors to work remotely, including from home, provided the licensed employer continues to satisfy the Nebraska-office, records, display, and certification requirements. The document’s data-security recommendations are advisory best practices, not newly enacted rules or penalties. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf)\n\n## B4. Entry amounts and collector-specific security\n\nThe following are collector-license requirements, not DMP or CSO amounts:\n\n| Requirement | Verified amount or rule | Status |\n| --- | --- | --- |\n| Agency license fee shown in Chapter 2 | $200 | Agency-hosted rule |\n| Investigation fee shown in Chapter 2 | $200 | Agency-hosted rule; statute allows up to $250 plus processing |\n| Annual renewal shown in Chapter 2 | $75 | Agency-hosted rule |\n| Initial branch certificate | $50 | Agency-hosted rule and current SOS page |\n| Branch renewal | $35 | Agency-hosted rule |\n| Solicitor certificate | $1 | Agency-hosted rule and current SOS page |\n| Bond, fewer than 5 solicitors | $5,000 | Statute/rule |\n| Bond, 5–15 solicitors | $10,000 | Statute/rule |\n| Bond, 16 or more solicitors | $15,000 | Statute/rule |\n| Board bond discretion | Up to $100,000 | Statutory maximum |\n\nThe bond secures collection-agency obligations and must not be confused with the separate DMP or CSO security structures. Bond form, claims, cancellation, replenishment, and insolvency treatment remain for a collector-security pass. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-608)\n\n## B5. Renewal-date conflict\n\nThe statute says:\n\n- every license and certificate expires December 31; and\n- renewal application may be made on or before December 31.\n\nThe agency-hosted Chapter 2 rule says:\n\n- the Board sends renewal forms on or about November 1;\n- complete renewal material must be submitted on or before **December 1**; and\n- an application received after December 1 is treated as an initial application. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-611)\n\nThis is a genuine statutory-versus-rule-text tension. This pass does not declare either text void, amend the statute to December 1, or represent that December 31 is operationally safe. The full rulemaking history, any reconciliation, and the current NMLS renewal checklist remain unverified.\n\n## B6. License changes and termination\n\nChapter 2 requires specified changes—name, address, managers or officers, and certain ownership changes—to be reported within 30 days. Licenses are nontransferable, and major ownership or structural changes require a new license application. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\nWhen a license ends through revocation, expiration, denial, or surrender, the displayed rule requires the agency to:\n\n- stop collection activity immediately;\n- return client accounts within 45 days, unless the client gives written authority to transfer them to another agency;\n- file a notarized compliance affidavit by the end of the 45-day period; and\n- forward post-termination consumer payments immediately and in full to the applicable client without retaining a fee or commission. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\nThese are continuity requirements, not authority for a consumer refund, debt cancellation, or automatic private remedy.\n\n## B7. Recordkeeping\n\nChapter 2 requires a licensee to retain collection-payment records for two years after receipt. Required fields include:\n\n- consumer or business name;\n- client name;\n- amounts and receipt dates;\n- allocation to principal, interest, court costs, attorney fees, and other costs;\n- applicable interest rate;\n- current balance; and\n- deposit date. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\nThis recordkeeping rule is not a consumer-facing validation or documentation right. It does not establish that every recorded fee or interest charge is legally authorized.\n\n## B8. Public verification and complaints\n\nThe current public routes are:\n\n- SOS “Licensed Collection Agencies” roster;\n- NMLS Consumer Access;\n- the SOS licensing page and NMLS application route; and\n- the Board’s sworn-complaint and own-motion discipline process. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/collection-agencies)\n\nThe opened roster is dated **July 9, 2026**, spans 18 pages, and states that the listed licenses expire December 31, 2026. It includes Nebraska, out-of-state, and international entities. It is a dated snapshot, not real-time proof of a named entity’s status or permission for every service. No named-provider lookup was performed. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf)\n\nNMLS Consumer Access did not return usable license data through the public browsing route during this check. That failure does not establish that a license is absent. [NMLS Consumer Access+1](https://www.nmlsconsumeraccess.org/)\n\nSection 45-613 requires the Board to proceed on a sworn complaint from a **customer or client** and permits own-motion proceedings. Chapter 2 says “any person or client.” Historical Attorney General Opinion 96075 read the statute’s mandatory-hearing duty as limited to the named statutory complainants while recognizing the Board’s ability to proceed on its own motion. The discrepancy between current rule wording and statute was not resolved here. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-613)\n\nNebraska’s general Attorney General complaint route is separate. The public form says the Attorney General enforces unfair/deceptive-practice laws, does not represent individual consumers, and uses a voluntary dispute-resolution process requiring business cooperation. It is not a Collection Agency Board sworn complaint, license adjudication, or proven tolling event. [Nebraska.gov](https://www.nebraska.gov/apps-ago-complaints/)\n\n## B9. Consumer-facing license information\n\nThe Collection Agency Act requires conspicuous display of the agency license and branch certificate at the office. No reviewed state Collection Agency Act clause or Chapter 2 rule requires:\n\n- the Nebraska license number in every letter, email, text, or call;\n- a consumer-facing statement that the collector is Nebraska licensed;\n- identification of the current creditor in every communication; or\n- an FDCPA-style first-communication disclosure.\n\nThose subjects may be governed by federal law, sector statutes, contracts, or later validation/reporting work.\n\n# C. Nebraska substantive collection conduct\n\n## C1. General Collection Agency Act conduct layer\n\nThe Collection Agency Act is principally a licensing, office, financial-responsibility, account-remittance, recordkeeping, and discipline regime. It authorizes discipline for failure to comply with the Act’s intent and purposes, failure to account, or financial irresponsibility. It does not itself enumerate a comprehensive consumer communications code. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-615)\n\nChapter 2’s FDCPA section only requires the Board to tell applicants that the federal law exists and how to obtain it. The rule does not incorporate every federal requirement as independently enacted Nebraska law and does not expand federal coverage to commercial debt or actors excluded from the FDCPA. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf)\n\n## C2. State-conduct matrix\n\n| Conduct subject | General Nebraska Collection Agency Act | Nebraska-specific branch actually verified | Material federal overlay |\n| --- | --- | --- | --- |\n| **Call times and known inconvenience** | No general hours provision verified | Installment-loan licensee may not call at times known to be inconvenient | FDCPA defaults to after 8 a.m. and before 9 p.m. local time absent contrary knowledge |\n| **Workplace contact** | No general Collection Agency Act rule verified | Installment-loan licensee cannot contact workplace after actual notice employer prohibits it | FDCPA bars workplace contact when collector knows or should know employer prohibits |\n| **Third-party contact** | No general Collection Agency Act privacy rule verified | Installment-loan licensee generally cannot contact someone outside borrower household except spouse, attorney, creditor, CRA, and specified exceptions | FDCPA generally restricts third-party collection communications |\n| **Represented consumer** | No general state collection-agency prohibition verified | Installment-loan statute lists borrower’s attorney as a permissible contact but does not create a general no-direct-contact rule | FDCPA generally directs contact to attorney when representation and contact information are known |\n| **Cease request** | No general state Collection Agency Act cease-contact rule verified | Defaulted installment-loan borrower may send specific registered/certified-mail notice; licensee then generally limited to one mailed notice per month, subject to §45-352 | FDCPA written cease notice generally stops communications subject to three statutory exceptions |\n| **Call frequency** | No numeric state Collection Agency Act limit verified | No numeric frequency in installment-loan provisions; known-inconvenience and harassment facts may matter | Reg F uses seven-call/seven-day presumptions with exclusions |\n| **Harassment or abuse** | No enumerated statewide Collection Agency Act list | Installment-loan licensee cannot use/threaten violence or use obscene/profane language | FDCPA §1692d applies to covered federal debt collectors |\n| **False amount, character, or legal status** | No enumerated Collection Agency Act clause | Expressly prohibited for installment-loan licensee | FDCPA §1692e prohibits false or misleading representations |\n| **False attorney identity** | License does not authorize practice of law | Installment-loan licensee cannot falsely represent that a person is an attorney | FDCPA expressly prohibits false attorney representation |\n| **Threat of arrest or criminal accusation** | No general Collection Agency Act clause | Installment-loan licensee cannot falsely threaten arrest/imprisonment or falsely accuse borrower of crime | FDCPA prohibits false legal consequences and deceptive threats |\n| **Threat of unavailable legal action** | No general enumerated clause | Installment-loan licensee cannot threaten action known to be legally unavailable at the time | FDCPA prohibits threats to take action that cannot legally be taken or is not intended |\n| **False court or government document** | Collection license does not authorize legal process | Installment-loan licensee cannot use a writing falsely represented as court/government authorized | FDCPA has parallel prohibitions |\n| **Unauthorized fees, collection costs, or expenses** | No general fee-authorization clause in Collection Agency Act verified | Installment-loan licensee may collect incidental amount only if expressly authorized by agreement or permitted by law; public criminal/traffic debt has special fee | FDCPA §1692f(1) applies to covered consumer debt |\n| **Interest and payment allocation** | Rule requires records of allocations but does not authorize them | Debt-specific authority remains required; no universal state allocation rule established here | FDCPA §1692h directs application among multiple consumer debts and not to a disputed debt |\n| **Postdated checks** | No general Collection Agency Act provision verified | Installment-loan licensee has notice, criminal-threat, and early-deposit restrictions | FDCPA §1692f contains postdated-instrument restrictions |\n| **Postcards and concealed communication charges** | No general Collection Agency Act provision verified | Both prohibited for installment-loan licensee | FDCPA contains parallel postcard/envelope and collect-communication rules |\n| **Credit-reporting threats or false reporting** | No complete state collection-agency reporting code verified | Installment-loan licensee may not communicate or threaten false credit information; specified victim medical debt cannot be reported adversely | FDCPA §1692e(8), FCRA, and Regulation V require later focused analysis |\n| **Electronic communications and opt-out** | No Nebraska Collection Agency Act email/text opt-out verified | No sector rule located here creating a general electronic opt-out | Regulation F requires a clear, simple, no-cost opt-out in covered electronic collection communications |\n| **Dispute and validation** | No consumer validation procedure verified in Collection Agency Act or Chapter 2 | Two-year agency records do not create a consumer validation right | FDCPA/Reg F validation remains a later focused pass |\n| **Bankruptcy** | No general Collection Agency Act post-bankruptcy contact rule verified | Installment-loan licensee cannot require reaffirmation of a discharged former debt as condition of a new loan | Bankruptcy stay/discharge and FDCPA interaction remain later work |\n| **Death or estate contact** | No complete state Collection Agency Act rule verified | No general decedent contact provision established here | Federal and probate rules remain later |\n| **Workers’ compensation medical debt** | Sector override applies to collectors and creditors after proper notices | Collection pauses during pending compensation case until final adjudication; individualized notices and cure path required | Federal law not displaced except as §48-148.02 specifically states |\n| **Sexual assault, domestic assault, or child-abuse medical debt** | Sector override | Provider cannot refer qualifying bill; collector or attorney must return it upon notice; no private action against collector under this section | Other laws require separate predicates |\n| **Public debt** | Licensed-agency outsourcing expressly authorized | First-class-mail attempt and at least 30 days before assignment, subject to support exception; special court-debt fee branch | Federal coverage depends on debt and actor |\n| **Repossession** | General classification unresolved | Installment-loan licensee cannot take collateral without process if it requires entry into dwelling/locked unoccupied vehicle, force, or breach of peace | *Obduskey* supplies the limited federal security-enforcer rule |\n\n## C3. Installment-loan collection restrictions\n\nThe Nebraska Installment Loan and Sales Act defines a “licensee” as a person holding that Act’s license and defines the relevant consumer and loan terms. Its conduct rules therefore cannot be applied automatically to every hospital, utility, commercial creditor, debt buyer, or collection agency. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-335)\n\n### Third-party contacts\n\nAn installment-loan licensee generally may not contact a person outside the borrower’s household about the borrower’s payment obligation, other than:\n\n- the borrower’s spouse;\n- the borrower’s attorney;\n- another creditor; or\n- a credit reporting agency.\n\nA borrower may waive that protection only through consent given after the debt arises. Separate exceptions permit specified judgment-property inquiries, amicable demand or suit, post-debt written permission to contact relatives, credit inquiries not designed to collect a delinquent debt, and attempts to locate a borrower believed to have changed address or employment. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-351)\n\n### Written cease-contact instruction\n\nAfter default, a borrower may send a specific written instruction by registered or certified mail directing the installment-loan licensee to cease further contacts. The licensee must then generally limit contact to one notice per month by mail, subject to §45-352’s exceptions. That notice may not threaten an action not otherwise legally permitted. This is not a general Nebraska cease-contact rule for every collector. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-353)\n\n### Prohibited methods\n\nIn collecting a loan, an installment-loan licensee may not use violence or profanity; call at known-inconvenient times; misrepresent the debt, attorney status, arrest, crime, or legal action; communicate known-false credit information; use fake legal documents; charge unauthorized collection amounts; misuse postdated instruments; conceal communication charges; use a postcard; or contact the workplace after actual notice of an employer prohibition. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372)\n\nThese rules do not establish a universal Nebraska 8 a.m.–9 p.m. period, numeric call cap, electronic opt-out, or validation procedure.\n\n## C4. Workers’ compensation medical debt\n\nAfter receipt of the required notices, a provider, supplier, collection agency, collector, or creditor may not collect a treatment debt arising from a work-related injury while the compensation matter is pending, until final adjudication. Notice is not imputed from one collector to another. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02)\n\nThe initial notice must identify the provider, employee, injury, filing date, and case number. A debt-specific notice must follow within 30 days unless the initial notice already identified the debt. Notice may be personally delivered, sent first class, or transmitted by another agreed method, but receipt must be demonstrable. Defective or late notice is ineffective until corrected. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02)\n\nIf collection continues after both notices:\n\n- the notices may be sent to the Attorney General;\n- the collector must receive a reasonable opportunity to cure;\n- the Attorney General may take reasonable compliance steps;\n- no private action exists under that section;\n- the violation is not, by that provision alone, another state or federal violation; and\n- the debt-collection limitations period is tolled during the compensation case from its filing date. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02)\n\n## C5. Assault- and abuse-related medical bills\n\nA covered health provider, EMS provider, laboratory, or pharmacy may not refer a qualifying sexual-assault, domestic-assault, or child-abuse treatment bill to a collection agency or attorney, adversely report it, or take another adverse action against the victim or family. If a collector or attorney receives the debt, it must return the debt to the referring provider upon notice. The section expressly creates no private cause against the collector. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317)\n\n## C6. Public debts\n\nBefore a Nebraska state or local governmental body assigns a public debt to a licensed collection agency, it generally must attempt first-class-mail notice of the debt and possible assignment and wait at least 30 days. Child-support enforcement is separately treated. The agency receives only the remedies available as an assignee of a private creditor. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-623)\n\nFor a court debt arising from a criminal or traffic matter, the statute permits a collection fee equal to the greater of:\n\nPlain text\n```\n$25\nor\n4.5% × the debt\n```\n\nThe debtor pays that fee directly to the collector. That narrow fee authority cannot be generalized to medical, utility, consumer-credit, or commercial debts. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-623)\n\n## C7. NCPA boundary\n\nNebraska’s Consumer Protection Act independently prohibits unfair or deceptive acts in trade or commerce, but §59-1617 excludes actions or transactions otherwise permitted, prohibited, or regulated by specified or other statutory regulators. The exclusion must be analyzed against the particular conduct and regulator rather than treating a license as automatic immunity or automatic liability. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602)\n\nIn *Hage v. General Service Bureau*, a federal district court held that Collection Agency Board jurisdiction did not immunize collection conduct that had not been shown to be regulated by the Board. The case is persuasive federal district-court authority, not a Nebraska appellate holding. Its separate 2003 conclusion about then-current Nebraska attorney-fee and interest law predates later statutory changes and is not used here as current fee authority. [Justia Law](https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/)\n\nA collection-license violation does not, without a separate remedial basis, establish automatic restitution, debt invalidity, contract voidness, or a private damages claim. Full remedy analysis remains outside this pass.\n\n# D. Federal FDCPA and Regulation F gateway\n\n## D1. State versus federal coverage\n\n| Issue | Nebraska Collection Agency Act | Federal FDCPA |\n| --- | --- | --- |\n| Covered obligation | Claims “of any kind”; consumer and commercial collection can be licensed | “Debt” must arise primarily from personal, family, or household transaction |\n| Third-party agency | Covered under state definition when statutory solicitation/client conditions are met | Covered if principal-purpose or regularly-collects-another branch applies |\n| Original creditor in own name | Generally outside state collection-agency definition | Usually outside federal debt-collector definition |\n| Original creditor using false third-party name | Expressly included | Federal creditor/collector definitions also reach false-name collection |\n| Debt buyer collecting own debt | Express state purchaser exclusion when collecting in own name | Outside “owed another” branch under *Henson*, but may qualify under principal-purpose branch |\n| Servicer obtaining debt before default | No express equivalent exclusion in Collection Agency Act; state definition controls | Express federal exclusion for qualifying nondefault servicing |\n| Affiliate | No general state affiliate exclusion | Narrow federal affiliate exclusion under specified common-control and principal-business conditions |\n| Attorney | State exclusion only in own name and no lay management | No blanket federal exclusion; *Heintz* covers regular consumer-debt litigation |\n| Security-interest enforcer | State result unresolved | Limited-purpose collector for §1692f(6) when doing no more than security enforcement |\n| Government employee | No identical broad Collection Agency Act category necessary for government’s own collection | Federal exclusion for government officer/employee acting officially |\n| Nonprofit counseling | No general state collection-agency nonprofit exclusion | Federal exclusion for bona fide nonprofit consumer-credit counseling |\n| Commercial debt | Can be within state licensing | Outside FDCPA’s “debt” definition |\n| More protective state law | State law independently applies | §1692n preserves non-inconsistent state law; greater protection is not inconsistent |\n\nThe operative federal definitions and exclusions are in 15 U.S.C. §1692a; preservation of state law appears in §1692n. [U.S. Code+1](https://uscode.house.gov/us/usc/119-124/t15/s1692a/)\n\n## D2. Debt buyers\n\n### *Henson*\n\nThe U.S. Supreme Court held that an entity collecting debts it purchased and owns does not qualify under the FDCPA branch covering persons who regularly collect debts “owed another.” The Court expressly narrowed the issue and did not decide the separate principal-purpose branch. [Supreme Court](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf)\n\n### *Reygadas*\n\nThe published Eighth Circuit decision governing federal cases in Nebraska held that the principal-purpose branch is distinct. A buyer whose most important business aim is obtaining payment on acquired debts can be a federal debt collector even if lawyers and collection agencies perform the direct collection. The court did not hold that every debt purchaser qualifies; a truly passive investor or diversified business may present a different principal-purpose question. [Justia Law](https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html)\n\nThus, these can both be true:\n\nPlain text\n```\nNebraska state license:\n    purchaser collecting purchased claims in own name is excluded.\n\nFederal FDCPA:\n    the same buyer may be a principal-purpose debt collector.\n```\n\n## D3. Attorneys\n\nThe Nebraska attorney exclusion and federal rule diverge. In *Heintz v. Jenkins*, the Supreme Court held that the FDCPA applies to attorneys who regularly engage in consumer-debt collection, including litigation. The Nebraska state exclusion still requires handling claims in the attorney’s own name and absence of lay management. [Supreme Court+2](https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf)\n\n## D4. Security-interest enforcement\n\nIn *Obduskey v. McCarthy & Holthus LLP*, the Supreme Court held that an entity engaged in no more than nonjudicial security-interest enforcement generally falls outside the FDCPA’s primary debt-collector definition, except for the limited §1692f(6) coverage. Conduct beyond pure enforcement can produce a different result. The decision does not resolve Nebraska collection-agency, private-detective, UCC, foreclosure, or repossession licensing. [Supreme Court](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf)\n\n## D5. Material federal communications rules\n\nWhen federal coverage is established:\n\n- §1692c restricts inconvenient times and places, represented-consumer contacts, prohibited workplace contacts, third-party communications, and post-cease communications;\n- §1692d prohibits harassment and abuse;\n- §1692e prohibits false or misleading representations, including false legal and credit-reporting statements;\n- §1692f prohibits unfair conduct and unauthorized incidental amounts;\n- §1692h governs allocation among multiple debts; and\n- §1692n preserves more protective state law. [U.S. Code+5](https://uscode.house.gov/us/usc/119-124/t15/s1692c/)\n\nRegulation F additionally provides:\n\n- default convenient-call hours after 8 a.m. and before 9 p.m. at the consumer’s location;\n- a clear, conspicuous, simple, and no-cost opt-out in covered electronic communications; and\n- rebuttable call-frequency presumptions involving more than seven calls in seven consecutive days or calls within seven days after a telephone conversation about the debt, subject to the regulation’s exclusions and complete conditions. [eCFR+3](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6)\n\nThese are federal standards. Chapter 2’s reference to the FDCPA does not transform them into Nebraska rules for commercial debts, original creditors, state-excluded purchasers, or other actors outside federal scope.\n\n# E. Decisions, opinions, and public enforcement evidence\n\n| Authority | Posture and precise use | Status and limit |\n| --- | --- | --- |\n| **State ex rel. Hartman v. Weiss**, 181 Neb. 685, 150 N.W.2d 264 (1967) | Official statute annotations state that failure to report and pay collections within the required time justified license revocation | Controlling Nebraska Supreme Court result; complete opinion text was not successfully retrieved, so no broader holding is asserted |\n| **Nebraska AG Opinion 96085** | Concluded purchaser of unpaid checks collecting them in its own name was within purchaser exclusion and outside Board jurisdiction | Historical advisory opinion, not a judgment; current exclusion remains materially similar |\n| **Nebraska AG Opinion 96075** | Read the statute’s mandatory sworn-complaint hearing as limited to customer/client complainants while recognizing Board own-motion authority | Historical advisory; rule now says “any person or client,” creating an unresolved rule/statute issue |\n| **Hage v. General Service Bureau**, 306 F. Supp. 2d 883 (D. Neb. 2003) | Held collection-agency licensure alone did not establish NCPA immunity where the challenged conduct was not shown to be regulated by the Board | Published federal district-court decision; persuasive, not Nebraska appellate authority; fee discussion is historically dated |\n| **Henson v. Santander**, 582 U.S. 79 (2017) | Purchased-debt owner not within “regularly collects debts owed another” branch | Final U.S. Supreme Court decision; principal-purpose branch not decided |\n| **Reygadas v. DNF Associates**, 982 F.3d 1119 (8th Cir. 2020) | Principal-purpose definition can cover debt buyer outsourcing actual collection | Published controlling Eighth Circuit federal authority; not every buyer automatically covered |\n| **Heintz v. Jenkins**, 514 U.S. 291 (1995) | FDCPA applies to lawyers regularly engaged in consumer-debt collection litigation | Final U.S. Supreme Court authority |\n| **Obduskey v. McCarthy & Holthus**, 586 U.S. 466 (2019) | Pure nonjudicial security-interest enforcement generally receives limited FDCPA treatment | Final U.S. Supreme Court authority; state licensing untouched |\n| **Public SOS/NMLS evidence** | Current SOS page, dated roster, application route, rule PDF, and guidance located | No named-provider conclusion; NMLS live portal and full current checklist did not render |\n| **Board final orders** | No indexed current final-order repository or materially on-point public final order located in bounded official searches | Negative search only; not proof that no paper, archived, trial, consent, or nonindexed order exists |\n\nThe full *Hage* text was read from a published-opinion reproduction because no official court-hosted opinion was located. The official Eighth Circuit PDF for *Reygadas* returned an access failure, so its full published opinion was read through the public reproduction; its published status and precedential court remain clear.\n\n# F. Bounded hypothetical workflows\n\n## Example 1 — Original creditor versus false-name collection\n\n### Facts A\n\n- Hospital owns a $900 patient account.\n- Hospital billing department contacts the patient as “Orange County Hospital.”\n- No separate entity or misleading collection name is used.\n\n**State classification:** On these facts, the hospital is collecting its own debt in its own name and does not fall within the Nebraska false-name branch. Medical-sector restrictions and general deceptive-practice law may still apply.\n\n### Facts B\n\nThe hospital instead sends the same demand under “National Recovery Bureau,” a name that reasonably indicates a third party is collecting.\n\n**State classification:** Section 45-602(2)(b) brings the creditor within the collection-agency definition unless another actual exemption applies. The result turns on the name’s representation, not merely internal ownership.\n\nNo conclusion is made about federal coverage, because the exact creditor/debt-collector and transaction facts would still be required.\n\n## Example 2 — Commercial accounts\n\n**Facts**\n\n- Agency solicits unpaid invoices from three Nebraska equipment wholesalers.\n- Every invoice arose from business purchases.\n- Agency collects for a percentage of recoveries.\n\n**Nebraska result**\n\nPlain text\n```\nClients solicited                            3\nStatutory threshold                         more than 1\nClaim type                                  commercial\nState “claims of any kind” condition        satisfied\n```\n\nThe agency is within the core Nebraska licensing definition. The commercial nature of the invoices does not remove state licensing.\n\n**Federal result:** The invoices are not personal, family, or household debts, so the FDCPA does not apply merely because the state license does.\n\n## Example 3 — Debt buyer and separate servicer\n\n**Facts**\n\n- Buyer purchases accounts for value.\n- Buyer owns them and communicates in its own legal name.\n- Buyer’s principal business is purchasing and recovering consumer debt.\n- A separate agency collects for this buyer and twenty other clients.\n\n**Nebraska**\n\n- Buyer: purchaser exclusion is available on the stated own-name facts.\n- Servicer: conventional multi-client collection agency; Nebraska license required.\n\n**Federal**\n\n- Buyer: *Henson* does not cover it under “owed another,” but *Reygadas* makes principal-purpose federal coverage a substantial possibility.\n- Servicer: likely federal debt collector for qualifying consumer debts, subject to the complete definition and exclusions.\n\nThe state exclusion does not transfer to the servicer or decide federal status.\n\n## Example 4 — Passive buyer classification hold\n\n**Facts**\n\n- Entity purchases defaulted accounts.\n- It never contacts debtors.\n- All collection decisions, settlement authority, and litigation are handled by an independent firm.\n- The buyer receives net proceeds.\n- Its other business activities are unknown.\n\n**Nebraska result:** Held. The purchaser exclusion and “in its own name” condition must be applied to the actual contracts, communications, and control rights.\n\n**Federal result:** Held. Under *Reygadas*, outsourcing does not by itself defeat principal-purpose status, but a diversified or truly passive investor may differ.\n\n## Example 5 — Remote agency\n\n### Scenario A\n\n- Iowa collection agency is regulated in Iowa.\n- It resides in Iowa.\n- It sends one communication to a Nebraska debtor concerning an Iowa client.\n\nSection 45-601 says Nebraska’s Act shall not be construed to prohibit that communication. This does not decide all other Nebraska activity or federal compliance.\n\n### Scenario B\n\nThe same agency advertises to Nebraska businesses, acquires accounts from five Nebraska clients, and has no Nebraska office.\n\nChapter 2 defines the acquisition of accounts from Nebraska clients as soliciting, and §45-607 ordinarily requires a regular Nebraska office for a license. The remote-communication sentence does not establish an exemption for the broader business.\n\n## Example 6 — Attorney model\n\n### Facts A\n\n- Nebraska attorney handles collection claims in the attorney’s own firm name.\n- Lawyers manage the practice.\n- No lay-managed agency operates behind the firm.\n\nThe state attorney exclusion is textually available.\n\n### Facts B\n\n- A nonlawyer collection company owns the operating platform, directs staff, and markets a “law office” identity.\n- Attorney involvement is nominal.\n\nThe state exclusion is not established because the statute requires absence of lay management. Federal status and unauthorized-practice consequences require actual facts.\n\nEven in Facts A, *Heintz* means a lawyer regularly litigating consumer debts can be a federal debt collector.\n\n## Example 7 — Installment-loan workplace and cease instruction\n\n**Assumptions**\n\n- Collector is the actual Nebraska installment-loan licensee.\n- Borrower is in default.\n- Employer has given the licensee actual notice that workplace calls are prohibited.\n- Borrower then sends the specific written cease instruction by certified mail.\n\n**State result**\n\n- Workplace contact is prohibited after actual employer notice.\n- After the certified-mail instruction, contacts are generally limited to one mailed notice per month, subject to §45-352.\n- No permitted notice may threaten action not otherwise legally available.\n\nThis does not establish the same rule for an unrelated medical collector or commercial collection agency.\n\n## Example 8 — False arrest threat and unauthorized fee\n\n**Assumptions**\n\n- Nebraska installment-loan licensee demands payment.\n- Collector falsely says nonpayment will result in arrest.\n- Collector adds a $75 “investigation fee.”\n- Neither the loan agreement nor applicable law authorizes the $75.\n\n**State conduct**\n\nPlain text\n```\nFalse arrest representation                prohibited\nUnauthorized incidental fee                prohibited\nDemanded unauthorized fee                  $75\nAutomatically recoverable damages          not established in this pass\n```\n\nThe $75 amount demonstrates the prohibited charge; it does not calculate restitution, statutory damages, or a private remedy.\n\nIf the actor were only a general collection agency and not an installment-loan licensee, this particular state section would not automatically apply. Federal and general deceptive-practice theories would need their own predicates.\n\n## Example 9 — Public criminal-court debt fee\n\n### Debt of $600\n\nPlain text\n```\n4.5% × $600          = $27.00\nStatutory floor      = $25.00\nGreater amount       = $27.00\n```\n\nConditional permitted collection fee: **$27**, only for the §45-623 criminal- or traffic-court debt branch.\n\n### Debt of $400\n\nPlain text\n```\n4.5% × $400          = $18.00\nStatutory floor      = $25.00\nGreater amount       = $25.00\n```\n\nConditional permitted collection fee: **$25**.\n\nNeither example authorizes the same fee on a private medical, utility, card, rental, or commercial invoice.\n\n## Example 10 — Workers’ compensation medical debt\n\nDefine:\n\nPlain text\n```\nN0 = date collector demonstrably receives complete initial notice\nN1 = deadline 30 days after N0 for debt-specific notice,\n     unless initial notice already identifies the debt\n```\n\nAfter both required notices are properly received, collection must pause while the compensation case remains pending. Notice to the provider is not imputed to the outside agency; each collector must receive its own compliant notice.\n\nNo exact calendar date is calculated because the relevant day-count, weekend, and holiday rules were not researched in this pass. Continued collection does not itself create a private claim under §48-148.02.\n\n## Example 11 — Electronic contact\n\n**Facts**\n\n- Agency sends a collection text to a Nebraska resident.\n- Underlying debt is a personal credit-card obligation.\n- Agency is a federal debt collector.\n- Text has no simple no-cost opt-out.\n\n**Federal result:** Regulation F’s electronic opt-out condition is implicated.\n\n**State result:** No independent Nebraska Collection Agency Act text-message opt-out was verified. The federal violation does not become a Nebraska rule merely because Chapter 2 tells applicants that the FDCPA exists.\n\nIf the debt were a commercial invoice, federal FDCPA/Regulation F coverage would ordinarily be absent even though the agency might need a Nebraska license.\n\n## Example 12 — Eight calls in seven days\n\n**Facts**\n\n- Federal debt collector places eight calls concerning one consumer debt within seven consecutive days.\n- No regulatory exclusion applies.\n- No completed telephone conversation changes the analysis.\n\n**Federal result:** Regulation F’s presumption-of-violation branch is implicated.\n\n**Nebraska result:** This is not a verified Nebraska numerical call cap. State consequences would require a separately applicable statute or theory.\n\n# G. Source register\n\n| Source ID | Authority, literal URL, and pinpoint | Version/status and actual access | Limits |\n| --- | --- | --- | --- |\n| **S_NE-P08-S001** | **Nebraska Collection Agency Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-601; ...=45-602; ...=45-603; ...=45-604; ...=45-605; ...=45-606; ...=45-607; ...=45-608; ...=45-609; ...=45-610; ...=45-611; ...=45-612; ...=45-613; ...=45-614; ...=45-615; ...=45-616; ...=45-617; ...=45-618; ...=45-619; ...=45-620; ...=45-622; related public debt §45-623 at ...=45-623. Exact principal pinpoints: §§45-601, 45-602(2)–(3), 45-607, 45-611, 45-613, 45-615, 45-622, 45-623. [Nebraska Legislature+7](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) | Official current codification freshly read October 26, 2026 Pacific. Sections have differing histories; not treated as independent instruments. | Controlling state statutes. Full security claims, litigation, and collection limitations deferred. |\n| **S_NE-P08-S002** | **Title 433, Chapter 2—Collection Agency Licensing**, Nebraska SOS, https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf. Relevant unnumbered printed pages/PDF indices: definitions index 0; application index 4; solicitor certificates index 5; changes/termination indices 6–7; renewal index 8; records index 9; FDCPA notice index 10; regular office index 11; discipline index 12; fees/bond index 14. [Nebraska Secretary of State+10](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | Agency-hosted PDF freshly read and visually inspected October 26, 2026. No printed page numbers or visible revision/effective date. Linked by current SOS page. | Operative agency-hosted text, but complete certified version history and adoption record not authenticated. Statute/rule renewal conflict preserved. |\n| **S_NE-P08-S003** | **Guidance Document 20-01—Remote Work for Solicitors of a Licensed Collection Agency**, Nebraska Collection Agency Licensing Board, https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf; printed pp.1–2/PDF indices 0–1. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf) | Dated July 2, 2020; freshly read and visually inspected October 26, 2026. | Advisory; binding on agency until amended by its terms, but cannot impose additional requirements or penalties. |\n| **S_NE-P08-S004** | **Collection Agencies / Licensing Forms**, Nebraska SOS, https://sos.nebraska.gov/licensing/collection-agencies; https://sos.nebraska.gov/licensing/collection-agency-licensing-forms. [Nebraska Secretary of State+1](https://sos.nebraska.gov/licensing/collection-agencies) | Current public pages freshly checked October 26, 2026. | Establish public filing route and displayed materials, not legal authorization of a named entity. Older paper forms remain displayed despite no-paper new-application notice. |\n| **S_NE-P08-S005** | **Active Collection Agency Licensees**, Nebraska SOS, https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf; printed p.1/PDF index 0 and 18-page document. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf) | Dated July 9, 2026; says licenses expire December 31, 2026; freshly parsed and visually inspected. | Dated snapshot, not live status, activity classification, discipline record, or permission for every service. |\n| **S_NE-P08-S006** | **NMLS Nebraska resource and Consumer Access routes**, https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NE-SOS; https://www.nmlsconsumeraccess.org/. [Nationwide Licensing System+1](https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NE-SOS) | Routes checked October 26, 2026; no usable checklist or live license results returned. | Failed/not substantively read. Failure is not evidence of no license. |\n| **S_NE-P08-S007** | **Nebraska Attorney General Opinion 96085**, https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf; printed pp.1–3/PDF indices 0–2, especially pp.1–2/indices 0–1. [Nebraska Attorney General+1](https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf) | Dated December 19, 1996; freshly read and visually inspected October 26, 2026. | Historical advisory opinion; not judicial precedent. Current purchaser-exclusion text separately verified. |\n| **S_NE-P08-S008** | **Nebraska Attorney General Opinion 96075**, direct public PDF previously opened from AG site; printed pp.1–3/PDF indices 0–2, especially statutory complaint discussion on pp.2–3/indices 1–2. | Dated November 20, 1996; freshly read in this pass. | Historical advisory; current rule wording differs from statute. |\n| **S_NE-P08-S009** | **Nebraska Installment Loan and Sales Act—collection provisions**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-335; ...=45-351; ...=45-352; ...=45-353; ...=45-372. Exact pinpoints §§45-335(7), (18)–(19); 45-351; 45-352; 45-353(2)–(7); 45-372(7). [Nebraska Legislature+4](https://nebraskalegislature.gov/laws/statutes.php?statute=45-335) | Current codification freshly read October 26, 2026; relevant definitions display July 18, 2026 operative date, conduct sections include 2025 amendments. | Sector-specific; not a universal collection-agency communications code. |\n| **S_NE-P08-S010** | **Workers’ compensation medical-debt collection**, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02; complete section. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02) | Current official text freshly read October 26, 2026. | Limited to Workers’ Compensation Act; express no-private-action and no-other-law clauses. |\n| **S_NE-P08-S011** | **Specified assault/abuse medical bills**, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317; complete section. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317) | Current official text freshly read October 26, 2026. | Narrow debt class; express no private cause against collector. |\n| **S_NE-P08-S012** | **Private detective boundary**, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=71-3205; incompatibility between collection-agency status and private-detective licensing/business. | Current text freshly read October 26, 2026. | Only boundary evidence; full repossession/private-detective analysis deferred. |\n| **S_NE-P08-S013** | **Nebraska Consumer Protection Act**, https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602) | Current official text freshly read October 26, 2026. | Full remedies and standing are PASS-07 territory; exact regulatory exclusion application held. |\n| **S_NE-P08-S014** | ***Hage v. General Service Bureau***, 306 F. Supp. 2d 883 (D. Neb. 2003), https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/; relevant opinion lines 107–118. [Justia Law](https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/) | Published federal district-court opinion; full public reproduction freshly read October 26, 2026. | Nonbinding on Nebraska courts; fee-law discussion predates amendments and is not current fee authority. |\n| **S_NE-P08-S015** | **FDCPA**, Office of Law Revision Counsel, https://uscode.house.gov/us/usc/119-124/t15/s1692a/; /s1692c/; /s1692d/; /s1692e/; /s1692f/; /s1692h/; /s1692n/. [U.S. Code+6](https://uscode.house.gov/us/usc/119-124/t15/s1692a/) | U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. | Federal minimum/overlay only; validation and full remedy protocol deferred. |\n| **S_NE-P08-S016** | **Regulation F**, CFPB eCFR, https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6; .../section-1006.14; .../section-1006.22. [eCFR+4](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6) | Current eCFR pages freshly read October 26, 2026. | Applies only within federal scope; complete exceptions and validation/reporting rules deferred. |\n| **S_NE-P08-S017** | ***Henson v. Santander Consumer USA Inc.***, U.S. Supreme Court, https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf; syllabus printed p.1/PDF index 0; opinion discussion printed pp.2–4/PDF indices 3–5. [Supreme Court](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) | Final 2017 U.S. Supreme Court opinion; freshly read October 26, 2026. | Decides “owed another” branch, not principal-purpose branch. |\n| **S_NE-P08-S018** | ***Reygadas v. DNF Associates, LLC***, 982 F.3d 1119 (8th Cir. 2020), full public opinion at https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html; official PDF route https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf failed with 502. [Justia Law](https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html) | Published Eighth Circuit opinion; full HTML read October 26, 2026; official PDF failed. | Controlling federal circuit precedent in Nebraska; does not classify every buyer. |\n| **S_NE-P08-S019** | ***Heintz v. Jenkins***, 514 U.S. 291 (1995), https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf; printed U.S. Reports pp.291, 294–299/PDF indices 361, 364–369. [Supreme Court+1](https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf) | Final U.S. Supreme Court opinion; relevant pages freshly read October 26. | Federal attorney coverage only. |\n| **S_NE-P08-S020** | ***Obduskey v. McCarthy & Holthus LLP***, U.S. Supreme Court, https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf; syllabus printed pp.1–2/PDF indices 0–1. [Supreme Court](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf) | Final 2019 Supreme Court opinion; freshly read October 26. | Federal nonjudicial security-enforcement issue; state licensing deferred. |\n| **S_NE-P08-S021** | **Hartman public authority route**, official annotations in §§45-601 and 45-615; full opinion route could not be substantively opened. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) | Official annotation checked October 26, 2026. | Only narrow annotated holding used; full opinion not read. |\n| **S_NE-P08-S022** | **Nebraska AG consumer complaint**, https://www.nebraska.gov/apps-ago-complaints/. [Nebraska.gov](https://www.nebraska.gov/apps-ago-complaints/) | Current public form freshly checked October 26, 2026. | Voluntary public complaint route; not Board complaint, representation, tolling, or merits finding. |\n| **S_NE-P08-S023** | **UDTPA §87-302 displayed future version**, https://nebraskalegislature.gov/laws/statutes.php?statute=87-302. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=87-302) | Page checked October 26, 2026; displayed version states operative January 1, 2027. | Not relied upon as current October 2026 operative authority. Current-version reconciliation remains a gap. |\n\n# H. Claim register\n\n| Claim ID | Precise assertion | Source/pinpoint | Conditions, consequence, and confidence |\n| --- | --- | --- | --- |\n| **S_NE-P08-C001** | Covered collection-agency business requires a Nebraska license; unlicensed operation is a Class III misdemeanor for each day. | S001, §45-601. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) | **High**, after state classification is established. |\n| **S_NE-P08-C002** | Core definition reaches claims “of any kind” solicited from more than one creditor-client and their assertion/enforcement/prosecution. | S001, §45-602(2)(a). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High**; one-client edge remains held. |\n| **S_NE-P08-C003** | Nebraska licensing is not limited to consumer debt and can cover commercial claims. | S001 §45-602(2)(a); S002 Rule 008.04. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High.** |\n| **S_NE-P08-C004** | Creditor using a name indicating third-party collection is within state definition. | S001, §45-602(2)(b). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High**; name effect is factual. |\n| **S_NE-P08-C005** | True-name original creditor generally falls outside the collection-agency definition on the statute’s structure. | S001, §45-602(2)–(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High textual inference**, not a blanket exemption from other law. |\n| **S_NE-P08-C006** | Regular employees of a single creditor are expressly excluded. | S001, §45-602(3)(a). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High.** |\n| **S_NE-P08-C007** | Purchaser for value collecting purchased accounts in purchaser’s own name is expressly excluded. | S001, §45-602(3)(k). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High**; purchase, ownership, and own-name conditions required. |\n| **S_NE-P08-C008** | AG Opinion 96085 historically applied the purchaser exclusion to bought unpaid checks. | S007, pp.1–2/indices 0–1. [Nebraska Attorney General+1](https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf) | **Medium-high advisory support**, not court precedent. |\n| **S_NE-P08-C009** | State classification of a fully passive buyer outsourcing collection remains unresolved. | S001, §45-602(3)(k); S007. | **HOLD**; contracts, names, and control required. |\n| **S_NE-P08-C010** | Attorney exclusion requires own-name handling and no lay management. | S001, §45-602(3)(i). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High.** |\n| **S_NE-P08-C011** | Collection-agency license does not authorize practice of law. | S001, §45-622. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-622) | **High.** |\n| **S_NE-P08-C012** | No general Nebraska Collection Agency Act exemption exists merely for affiliate or nonprofit status. | S001, §45-602(3). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-602) | **High for reviewed list**; another law may apply. |\n| **S_NE-P08-C013** | Out-of-state regulated resident agency may communicate with a Nebraska debtor without that communication being prohibited by the Act. | S001, §45-601 final sentence. [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) | **High**, but narrower than blanket remote authorization. |\n| **S_NE-P08-C014** | Exact Nebraska nexus for debtor-only remote collection beyond communication remains unresolved. | S001 §§45-601, 45-607; S002 Rule 001.02. | **HOLD.** |\n| **S_NE-P08-C015** | Nebraska licensee ordinarily needs a regular physical Nebraska office with required records/access. | S001 §45-607(2); S002 Rule 010. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-607) | **High.** |\n| **S_NE-P08-C016** | Agency manager ordinarily needs two years’ collection experience unless Board accepts sufficient business experience. | S001, §45-607(1). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-607) | **High.** |\n| **S_NE-P08-C017** | Branch certificates and solicitor certificates are distinct from agency license. | S001 §§45-609–45-610; S002 Rules 005, 013. | **High.** |\n| **S_NE-P08-C018** | Certified solicitors may work remotely if licensed employer maintains Nebraska requirements. | S003, pp.1–2/indices 0–1. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf) | **High for guidance**, not new rulemaking. |\n| **S_NE-P08-C019** | Statute says renewal by December 31; agency-hosted rule says December 1 and late filings become initial applications. | S001 §45-611; S002 Rule 007. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-611) | **High conflict identification; legal reconciliation unresolved.** |\n| **S_NE-P08-C020** | Displayed rule fees are $200 license, $200 investigation, $75 renewal, $50 branch, $35 branch renewal, and $1 solicitor. | S002 Rule 013.01. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | **High for agency-hosted text; rule-history gap preserved.** |\n| **S_NE-P08-C021** | Collector bond schedule is $5,000/$10,000/$15,000 by solicitor count, subject to $100,000 maximum discretion. | S001 §45-608; S002 Rule 013.03. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | **High; full security analysis deferred.** |\n| **S_NE-P08-C022** | Upon license termination, displayed rule requires immediate cessation and 45-day client-account disposition. | S002 Rule 006.03. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | **High for rule text.** |\n| **S_NE-P08-C023** | Collection-payment records must be retained two years and include detailed allocations. | S002 Rule 008.04. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | **High; not a consumer validation right.** |\n| **S_NE-P08-C024** | Current SOS route uses NMLS for new applicants; paper applications are not accepted. | S004. [Nebraska Secretary of State](https://sos.nebraska.gov/licensing/collection-agencies) | **High operational evidence.** |\n| **S_NE-P08-C025** | July 9, 2026 roster is dated, not live provider authorization. | S005. [Nebraska Secretary of State+1](https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf) | **High.** |\n| **S_NE-P08-C026** | Live NMLS lookup/checklist content was unavailable through the accessed public route. | S006. [NMLS Consumer Access+1](https://www.nmlsconsumeraccess.org/) | **Access gap**, not absence. |\n| **S_NE-P08-C027** | Statute mandates Board action on sworn customer/client complaint; rule says any person/client. | S001 §45-613; S002 Rule 011.01. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-613) | **High textual discrepancy; authority unresolved.** |\n| **S_NE-P08-C028** | Collection Agency Act/Chapter 2 contain no verified general communications code equivalent to FDCPA/Reg F. | S001 complete conduct provisions; S002 Rule 009. | **High for reviewed authorities; current complete rule-history gap remains.** |\n| **S_NE-P08-C029** | Rule 009 only requires notice to applicants of federal FDCPA existence. | S002, unnumbered page/index 10. [Nebraska Secretary of State](https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf) | **High; no state incorporation.** |\n| **S_NE-P08-C030** | Installment-loan third-party contacts are limited by §45-351 with specified exceptions and post-debt waiver. | S009, §§45-351–45-352. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-351) | **High; applies only to that sector.** |\n| **S_NE-P08-C031** | Defaulted installment borrower can use registered/certified-mail cease instruction, limiting contacts generally to one mailed notice monthly. | S009, §45-353(2). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-353) | **High; exceptions in §45-352.** |\n| **S_NE-P08-C032** | Installment-loan licensee may not call at known-inconvenient times or contact workplace after actual employer prohibition. | S009, §45-372(7)(c), (q). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372) | **High; no state 8–9 default.** |\n| **S_NE-P08-C033** | Installment-loan licensee faces enumerated prohibitions on violence, profanity, deception, false arrest/crime/legal threats, and fake legal documents. | S009, §45-372(7)(a)–(j). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372) | **High; sector-specific.** |\n| **S_NE-P08-C034** | Installment-loan licensee cannot add incidental collection amounts absent agreement or law. | S009, §45-372(7)(k). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372) | **High; not universal to every debt.** |\n| **S_NE-P08-C035** | Installment-loan statute regulates postdated instruments, concealed communication charges, and postcards. | S009, §45-372(7)(l)–(p). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372) | **High.** |\n| **S_NE-P08-C036** | Workers’ compensation medical collection pauses after compliant individualized notices during pending case. | S010, §48-148.02(1)–(4). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02) | **High; receipt and notice contents essential.** |\n| **S_NE-P08-C037** | Workers’ compensation section has no private cause and does not itself create another state/federal violation. | S010, §48-148.02(5), (8). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02) | **High.** |\n| **S_NE-P08-C038** | Qualifying assault/abuse medical debt must be returned by collector upon notice; no private collector action under that section. | S011, §29-4317(3)–(4). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317) | **High.** |\n| **S_NE-P08-C039** | Public-debt assignment ordinarily requires mailed notice and 30-day wait. | S001, §45-623(2). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-623) | **High; support exception.** |\n| **S_NE-P08-C040** | Criminal/traffic public debt may carry greater of $25 or 4.5% collection fee. | S001, §45-623(4). [Nebraska Legislature](https://nebraskalegislature.gov/laws/statutes.php?statute=45-623) | **High; narrow branch.** |\n| **S_NE-P08-C041** | NCPA may apply independently, but §59-1617 regulatory exclusion requires conduct-specific analysis. | S013; S014. [Nebraska Legislature+2](https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602) | **Partial/HOLD** for exact collection conduct. |\n| **S_NE-P08-C042** | Licensing/conduct violation does not automatically create private damages or debt invalidity. | S001; S010; S011. | **High caution; full remedies deferred.** |\n| **S_NE-P08-C043** | FDCPA “debt” is limited to personal/family/household obligations. | S015, §1692a(5). [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692a/) | **High.** |\n| **S_NE-P08-C044** | FDCPA includes principal-purpose and regularly-collects-another branches plus defined exclusions. | S015, §1692a(6). [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692a/) | **High.** |\n| **S_NE-P08-C045** | *Henson* excludes owner-collector from “owed another” branch but does not decide principal purpose. | S017. [Supreme Court](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) | **High.** |\n| **S_NE-P08-C046** | *Reygadas* holds outsourcing does not defeat principal-purpose status for qualifying debt buyer. | S018. [Justia Law](https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html) | **High controlling federal precedent; not every buyer.** |\n| **S_NE-P08-C047** | *Heintz* applies FDCPA to attorneys regularly collecting consumer debt through litigation. | S019. [Supreme Court+1](https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf) | **High.** |\n| **S_NE-P08-C048** | *Obduskey* limits general FDCPA application to pure nonjudicial security-interest enforcement. | S020. [Supreme Court](https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf) | **High federal holding; state issue open.** |\n| **S_NE-P08-C049** | Covered FDCPA communications face time, third-party, represented-consumer, cease, harassment, deception, fee, and allocation rules. | S015 §§1692c–f, 1692h. [U.S. Code+4](https://uscode.house.gov/us/usc/119-124/t15/s1692c/) | **High; complete exceptions required.** |\n| **S_NE-P08-C050** | Regulation F supplies conditional electronic opt-out and seven-call presumptions. | S016 §§1006.6, 1006.14. [eCFR+2](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6) | **High federal rule; not Nebraska enactment.** |\n| **S_NE-P08-C051** | More protective state law is not inconsistent with FDCPA under §1692n. | S015, §1692n. [U.S. Code](https://uscode.house.gov/us/usc/119-124/t15/s1692n/) | **High.** |\n| **S_NE-P08-C052** | Hartman’s officially annotated holding supports revocation for failure to report and remit collections. | S021. [Nebraska Legislature+1](https://nebraskalegislature.gov/laws/statutes.php?statute=45-601) | **Narrow/high; full opinion not read.** |\n| **S_NE-P08-C053** | No complete public Board final-order or discipline database was located. | S004, bounded searches. | **Limited negative finding**, not absence proof. |\n| **S_NE-P08-C054** | Current full rule/adoption history remains unauthenticated despite agency-hosted Chapter 2 PDF. | S002 and prior Title 433 access history. | **HOLD.** |\n| **S_NE-P08-C055** | Detailed validation, documentation, credit reporting, litigation, revival, garnishment, and remedies remain uncompleted. | Scope limitation. | **Expressly open.** |\n\n# I. Assigned coverage and remaining gaps\n\n| Collection issue | Status | Claim IDs | Missing evidence or next action |\n| --- | --- | --- | --- |\n| State collection-agency definition | **Answered** | C001–C004 | Apply to actual service and entity facts |\n| Consumer versus commercial debt | **Answered** | C002–C003 | Debt-purpose evidence for federal overlay |\n| True-name original creditor | **Answered as textual boundary** | C005 | Actual ownership and name used |\n| False-name creditor | **Answered** | C004 | Consumer-perception and communication evidence |\n| Single-creditor employee | **Answered** | C006 | Employment and entity records |\n| Multi-client third-party agency | **Answered** | C001–C003 | Client count and actual solicitation |\n| One-client servicer | **Unresolved** | C002, C009 | Statutory interpretation, contracts, other clients |\n| Own-name debt buyer | **Answered under state text** | C007–C008 | Purchase and own-name evidence |\n| Passive debt buyer | **Unresolved under state law** | C009 | Control, outsourcing, communications, formal interpretation |\n| Debt-buyer federal status | **Answered conditionally** | C045–C046 | Principal-purpose and business evidence |\n| Attorney/firm state exemption | **Answered textually** | C010–C011 | Ownership, management, name, legal work facts |\n| Attorney federal status | **Answered generally** | C047 | Regularity and consumer-debt facts |\n| Affiliate collector | **Unresolved** | C012 | Entity, employee, client count, names, control |\n| Nonprofit collector | **No general state exemption verified** | C012 | Actual charter and other law |\n| Bank/institution exclusions | **Answered textually** | C012 | Exact charter/status |\n| Court-order actor | **Answered textually** | C012 | Actual order and scope |\n| Remote debtor communication | **Answered narrowly** | C013 | Exact residence and regulatory status |\n| Broader remote operation/nexus | **Unresolved** | C014 | Nebraska clients, office, advertisements, contracts |\n| Regular Nebraska office | **Answered** | C015 | Actual office and record access |\n| Remote solicitors | **Answered conditionally** | C018 | Certification and employer compliance |\n| Manager qualification | **Answered** | C016 | Actual experience and Board discretion |\n| Branch requirements | **Answered** | C017 | Actual locations |\n| Solicitor certification | **Answered** | C017 | Employee roles and current list |\n| Initial/renewal fees | **Answered from displayed rule with status limit** | C020 | Certified current rule/NMLS checklist |\n| Collector bond threshold | **Answered only for entry** | C021 | Full security and claim pass |\n| Renewal deadline | **Conflict unresolved** | C019 | Rulemaking history, current NMLS instruction, authoritative reconciliation |\n| Ownership/change continuity | **Answered from rule** | C022 | Actual transaction |\n| License termination workflow | **Answered from rule** | C022 | Actual authorization, accounts, affidavit |\n| Payment records | **Answered** | C023 | Consumer access and proof rights remain later |\n| Public roster | **Answered with date limit** | C025 | Current named-provider verification if later authorized |\n| Live NMLS lookup | **Failed/unavailable** | C026 | Retry only in provider-specific pass |\n| Board complaint trigger | **Partial/conflict** | C027 | Current authoritative interpretation or final order |\n| General collection communication times | **No state-wide rule verified** | C028–C029 | Complete certified rules and other sector statutes |\n| State third-party-contact rule | **Answered for installment loans only** | C030 | Other sector rules later |\n| State cease-contact rule | **Answered for installment loans only** | C031 | Other sectors and electronic notice later |\n| Workplace contact | **Answered for installment loans only** | C032 | General collector state rule not verified |\n| Harassment/violence/profanity | **Answered for installment loans only** | C033 | General state theory remains NCPA/federal |\n| False debt/legal representations | **Answered for installment loans; federal conditional** | C033, C049 | Actor and debt classification |\n| Unauthorized fees | **Answered for installment loans/public debt branches** | C034, C040 | Other debt types, contracts, litigation law later |\n| Postdated instruments | **Answered for installment loans** | C035 | Federal complete analysis later |\n| Electronic opt-out | **Federal conditional only** | C050 | No general state equivalent verified |\n| Call-frequency cap | **Federal conditional only** | C050 | No state numeric rule verified |\n| Workers’ compensation debt pause | **Answered** | C036–C037 | Actual notice and case status |\n| Assault/abuse medical bills | **Answered** | C038 | Actual qualifying service and notice |\n| Public debt notice/fee | **Answered** | C039–C040 | Actual governmental debt and assignment |\n| Utility sector | **Partial** | C005, C041 | Utility-specific statutes/regulator orders later |\n| Medical sector beyond identified statutes | **Partial** | C036–C038 | Billing, reporting, provider, charity-care rules later |\n| Repossession/security enforcement | **Partial federal boundary only** | C048 | Nebraska UCC, foreclosure, private-detective, repossession pass |\n| Bankruptcy/death | **Excluded except narrow state boundary** | — | Bankruptcy, probate, deceased-consumer communication pass |\n| State validation/documentation | **Excluded/later** | C055 | Initial notices, itemization, proof, dispute response |\n| Credit reporting | **Excluded except false-reporting boundaries** | C033, C038, C055 | FCRA/Reg V, furnishing, disputes, medical-debt reporting |\n| Debt-type limitations/revival | **Excluded/later** | C055 | Contract/open account/judgment periods, payments, acknowledgments |\n| Collection litigation/service/default | **Excluded/later** | C055 | Pleading, proof, assignment, service, default judgment |\n| Garnishment/exemptions | **Excluded/later** | C055 | Wage, bank, benefits, procedure |\n| Full private/public remedies | **Excluded except no-automatic-remedy cautions** | C037–C042 | Separate remedies component |\n| Local/tribal/country rules | **Excluded/later** | — | Separate jurisdictional pass |\n| Named-provider authorization | **Not performed** | C025–C026 | Exact legal name and requested date |\n\n# J. Researcher self-check\n\n## Freshly read in PASS-08\n\n- The operative Nebraska Collection Agency Act provisions necessary for:licensing;definitions and exclusions;application and qualifications;bond threshold;branch and solicitor certificates;renewal;discipline and complaints;location changes;financial statements;fees;practice-of-law boundary; andpublic-debt collection.\n- The agency-hosted Title 433, Chapter 2 PDF, including visual inspection of:definitions;application;solicitor certificates;ownership/change and termination rules;renewal;investigations and records;the FDCPA notice;regular-office requirement;discipline;fees and bond schedule.\n- Guidance Document 20-01 in full, including both PDF pages.\n- Current SOS collection-agency and licensing-forms pages.\n- The July 9, 2026 active-license roster, including visual inspection of page 1 and parsed review of the 18-page list.\n- Nebraska AG Opinions 96085 and 96075 in their relevant entirety.\n- Current Nebraska Installment Loan and Sales Act definitions and conduct provisions:§§45-335;45-351;45-352;45-353; and45-372.\n- Current workers’ compensation, assault/abuse medical-bill, public-debt, Consumer Protection Act, and private-detective boundary provisions.\n- Current FDCPA scope, conduct, allocation, and state-law-preservation provisions.\n- Current Regulation F communication, frequency, and unfair-conduct provisions necessary to the comparison.\n- The relevant holdings of:*Henson*;*Reygadas*;*Heintz*;*Obduskey*; and*Hage*.\n\n## Fresh access failures and limitations\n\n- NMLS Consumer Access returned no usable license data.\n- The linked NMLS Nebraska resource/checklist page returned no substantive text through this route.\n- The official Eighth Circuit *Reygadas* PDF returned a 502; a full public published-opinion reproduction was read instead.\n- The complete *Hartman* opinion was not obtained; only the official Legislature annotations were used.\n- No complete current certified Title 433 version history or adoption record was authenticated.\n- No indexed current Collection Agency Licensing Board final-order database was located.\n- The Legislature’s displayed §87-302 page is future-effective January 1, 2027; it was not used as current October 2026 operative conduct authority.\n\nThese failures are not absence findings.\n\n## Not read or not performed\n\n- Any actual collection contract, client agreement, purchased-debt sale file, servicing agreement, collector call recording, letter, text, email, payment ledger, credit report, consumer account, assignment schedule, complaint file, or license application.\n- Any named-provider NMLS or roster determination.\n- A complete public or nonpublic Board hearing file, paper archive, commercial citator, trial-court docket, PACER universe, consent-order archive, or records request.\n- Full Nebraska:debt validation and itemization;credit furnishing and disputes;debt ownership documentation;limitations and revival;probate/deceased debt;bankruptcy;collection pleadings;service;default judgments;garnishment;exemptions;repossession;foreclosure;secured transactions;sector regulation;local law; ortribal law.\n- No Deep Research, Work, Codex research generation, API, purchase, filing, complaint, contact, account action, private data access, website publication, Chrome control, other chat, CAPTCHA bypass, or local-file save was used.\n\n**Focused disposition:** Nebraska clearly licenses conventional multi-client third-party collection of both consumer and commercial claims, expressly covers false-name original-creditor collection, and expressly excludes an own-name purchaser of claims. It does not provide one universal state communications code. The strongest Nebraska conduct restrictions identified here are sector-specific, while FDCPA and Regulation F remain conditional federal overlays with materially different actor and debt definitions. The one-client servicer, passive buyer, remote debtor-only operation, repossession business, complete rule history, validation/reporting, and litigation dimensions remain expressly open.\n\nEND S_NE PASS-08.\n\n","tables":[{"headers":["Actor or model","Nebraska Collection Agency Act result","Important conditions and unresolved facts","Federal FDCPA contrast"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or model","Nebraska Collection Agency Act result","Important conditions and unresolved facts","Federal FDCPA contrast"],["Original creditor collecting its own debt in its true legal or ordinary business name","Generally outside the state definition on the text’s structure","Must actually be the owner and not use a name indicating third-party collection","Usually outside FDCPA as creditor, subject to the federal false-name branch"],["Original creditor collecting under “National Recovery Bureau” or another name suggesting a separate collector","Expressly included by §45-602(2)(b)","Whether the name would indicate to the debtor that a third person is collecting is factual","Federal creditor definition has a similar false-name exception"],["Regular employee of one creditor collecting that creditor’s accounts","Expressly excluded","Must be regular employee of a single creditor; separate affiliate or contractor is not automatically an employee","Federal creditor-employee exclusion also requires collection in creditor’s name"],["Conventional contingency agency soliciting claims from multiple creditor-clients","Clearly covered; Nebraska collection-agency license required","Includes consumer and commercial claims","FDCPA applies only when the obligation is a federal “debt” and the actor is a federal debt collector"],["Agency collecting commercial receivables for several businesses","Covered by state licensing","“Claims of any kind”; business-purpose debt does not avoid state license","Commercial obligation is ordinarily outside FDCPA"],["Third-party servicer collecting for only one creditor or one buyer","Held under the “more than one” text","Actual clients, affiliates, contract, ownership, names used, and other business lines required","May be FDCPA collector if it regularly collects another’s consumer debts and no exclusion applies"],["Debt buyer purchasing accounts for value and collecting in its own name","Expressly excluded by §45-602(3)(k)","Requires actual purchase for valuable consideration and collection in purchaser’s own name","Henson removes only “owed another” branch; Reygadas preserves principal-purpose coverage"],["Debt buyer using another name suggesting a third-party collector","Purchaser exclusion is not established because it requires collection in purchaser’s own name","Name, ownership, communications, and entity structure matter","Federal false-name and principal-purpose branches may apply"],["Passive buyer outsourcing all direct collection","State result unresolved","No controlling current Nebraska interpretation of whether outsourcing still constitutes proceeding to collect “in such purchaser’s own name”","Reygadas holds outsourcing can still support federal principal-purpose status"],["Separate agency servicing purchased accounts for a debt buyer and other clients","Covered when it solicits or handles claims for multiple clients","Buyer’s own exclusion does not automatically transfer to the servicer","Federal coverage generally likely for consumer debt, subject to exact facts"],["Attorney or law firm handling claims in its own name, not under lay management","Express state exclusion","Attorney status, actual management, name used, and nature of operation required","No blanket federal attorney exemption; Heintz covers lawyers regularly collecting consumer debts through litigation"],["“Law office” actually managed by nonlawyers as a collection agency","Attorney exclusion fails on its own terms","Unauthorized-practice and entity facts require later analysis","Federal collector status may also apply"],["Licensed collection agency employing collectors","Agency holds license; individual employees generally use solicitor certificates rather than agency licenses","Purely clerical staff excluded from rule definition of solicitor","Federal liability depends on entity/person and conduct"],["Affiliate collecting a parent or sister company’s debts","No general Nebraska affiliate exemption","One-client issue, employee status, ownership, name, and actual solicitation held","Federal affiliate exclusion is available only under the narrower conditions in §1692a(6)(B)"],["Nonprofit collection entity","No general Collection Agency Act nonprofit exclusion","Actual entity and activity control","Federal law separately excludes only qualifying bona fide nonprofit consumer-credit counseling"],["Bank, trust company, savings and loan, or building and loan association","Expressly excluded","Entity must actually fall within named category","Federal status still depends on creditor/debt-collector definitions"],["Real-estate broker or agent","Excluded only for claims connected to regular licensed real-estate business","Collection outside that business is not covered by exemption","Separate federal analysis"],["Person acting under a court order","Expressly excluded","Actual order and scope required","Separate federal and procedural analysis"],["Out-of-state collection agency regulated and resident elsewhere, communicating with Nebraska debtor","§45-601 says the Act shall not be construed to prohibit that communication","Does not expressly authorize soliciting Nebraska creditor-clients, maintaining a Nebraska business, branches, or all other collection activity","FDCPA and home-state law remain separate"],["Out-of-state company soliciting accounts from Nebraska clients","Rule defines this as “soliciting”; Nebraska licensing risk is substantial","Exact statutory nexus and the “more than one” condition still matter","Federal licensure is not a substitute"],["Licensed Nebraska agency with collectors working from home","Permitted by 2020 guidance if agency maintains required Nebraska office, records, license, and solicitor certification","Guidance is advisory and cannot create new penalties; employee security recommendations are best practices","Federal rules apply independently"],["Government collecting its own public debt","Not the paradigm third-party agency; §45-623 governs outsourcing","Government entity may retain a licensed agency after the statutory notice conditions","Federal government-officer exclusion may apply to officers/employees acting officially"],["Third party collecting assigned public debt","Agency must be licensed under the Collection Agency Act","Public-debt notice and remedy limitations apply","Federal coverage depends on nature of underlying obligation and actor"],["Repossession or security-interest enforcement firm","State collection-agency result not conclusively resolved here","Claim enforcement language, private-detective law, UCC, creditor ownership, and actual demands require later pass","Under Obduskey, a business doing no more than nonjudicial security-interest enforcement is generally subject only to FDCPA §1692f(6)"],["Medical provider or utility collecting its own account in its own name","Generally outside the collection-agency definition on those limited facts","Sector statutes and general deceptive-practice rules may still apply","Federal creditor status usually distinct from third-party collector status"],["Third-party medical or utility collector with multiple clients","State license ordinarily required","Sector-specific restrictions may overlay","FDCPA applies only to qualifying consumer obligations"]]},{"headers":["Requirement","Verified amount or rule","Status"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requirement","Verified amount or rule","Status"],["Agency license fee shown in Chapter 2","$200","Agency-hosted rule"],["Investigation fee shown in Chapter 2","$200","Agency-hosted rule; statute allows up to $250 plus processing"],["Annual renewal shown in Chapter 2","$75","Agency-hosted rule"],["Initial branch certificate","$50","Agency-hosted rule and current SOS page"],["Branch renewal","$35","Agency-hosted rule"],["Solicitor certificate","$1","Agency-hosted rule and current SOS page"],["Bond, fewer than 5 solicitors","$5,000","Statute/rule"],["Bond, 5–15 solicitors","$10,000","Statute/rule"],["Bond, 16 or more solicitors","$15,000","Statute/rule"],["Board bond discretion","Up to $100,000","Statutory maximum"]]},{"headers":["Conduct subject","General Nebraska Collection Agency Act","Nebraska-specific branch actually verified","Material federal overlay"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Conduct subject","General Nebraska Collection Agency Act","Nebraska-specific branch actually verified","Material federal overlay"],["Call times and known inconvenience","No general hours provision verified","Installment-loan licensee may not call at times known to be inconvenient","FDCPA defaults to after 8 a.m. and before 9 p.m. local time absent contrary knowledge"],["Workplace contact","No general Collection Agency Act rule verified","Installment-loan licensee cannot contact workplace after actual notice employer prohibits it","FDCPA bars workplace contact when collector knows or should know employer prohibits"],["Third-party contact","No general Collection Agency Act privacy rule verified","Installment-loan licensee generally cannot contact someone outside borrower household except spouse, attorney, creditor, CRA, and specified exceptions","FDCPA generally restricts third-party collection communications"],["Represented consumer","No general state collection-agency prohibition verified","Installment-loan statute lists borrower’s attorney as a permissible contact but does not create a general no-direct-contact rule","FDCPA generally directs contact to attorney when representation and contact information are known"],["Cease request","No general state Collection Agency Act cease-contact rule verified","Defaulted installment-loan borrower may send specific registered/certified-mail notice; licensee then generally limited to one mailed notice per month, subject to §45-352","FDCPA written cease notice generally stops communications subject to three statutory exceptions"],["Call frequency","No numeric state Collection Agency Act limit verified","No numeric frequency in installment-loan provisions; known-inconvenience and harassment facts may matter","Reg F uses seven-call/seven-day presumptions with exclusions"],["Harassment or abuse","No enumerated statewide Collection Agency Act list","Installment-loan licensee cannot use/threaten violence or use obscene/profane language","FDCPA §1692d applies to covered federal debt collectors"],["False amount, character, or legal status","No enumerated Collection Agency Act clause","Expressly prohibited for installment-loan licensee","FDCPA §1692e prohibits false or misleading representations"],["False attorney identity","License does not authorize practice of law","Installment-loan licensee cannot falsely represent that a person is an attorney","FDCPA expressly prohibits false attorney representation"],["Threat of arrest or criminal accusation","No general Collection Agency Act clause","Installment-loan licensee cannot falsely threaten arrest/imprisonment or falsely accuse borrower of crime","FDCPA prohibits false legal consequences and deceptive threats"],["Threat of unavailable legal action","No general enumerated clause","Installment-loan licensee cannot threaten action known to be legally unavailable at the time","FDCPA prohibits threats to take action that cannot legally be taken or is not intended"],["False court or government document","Collection license does not authorize legal process","Installment-loan licensee cannot use a writing falsely represented as court/government authorized","FDCPA has parallel prohibitions"],["Unauthorized fees, collection costs, or expenses","No general fee-authorization clause in Collection Agency Act verified","Installment-loan licensee may collect incidental amount only if expressly authorized by agreement or permitted by law; public criminal/traffic debt has special fee","FDCPA §1692f(1) applies to covered consumer debt"],["Interest and payment allocation","Rule requires records of allocations but does not authorize them","Debt-specific authority remains required; no universal state allocation rule established here","FDCPA §1692h directs application among multiple consumer debts and not to a disputed debt"],["Postdated checks","No general Collection Agency Act provision verified","Installment-loan licensee has notice, criminal-threat, and early-deposit restrictions","FDCPA §1692f contains postdated-instrument restrictions"],["Postcards and concealed communication charges","No general Collection Agency Act provision verified","Both prohibited for installment-loan licensee","FDCPA contains parallel postcard/envelope and collect-communication rules"],["Credit-reporting threats or false reporting","No complete state collection-agency reporting code verified","Installment-loan licensee may not communicate or threaten false credit information; specified victim medical debt cannot be reported adversely","FDCPA §1692e(8), FCRA, and Regulation V require later focused analysis"],["Electronic communications and opt-out","No Nebraska Collection Agency Act email/text opt-out verified","No sector rule located here creating a general electronic opt-out","Regulation F requires a clear, simple, no-cost opt-out in covered electronic collection communications"],["Dispute and validation","No consumer validation procedure verified in Collection Agency Act or Chapter 2","Two-year agency records do not create a consumer validation right","FDCPA/Reg F validation remains a later focused pass"],["Bankruptcy","No general Collection Agency Act post-bankruptcy contact rule verified","Installment-loan licensee cannot require reaffirmation of a discharged former debt as condition of a new loan","Bankruptcy stay/discharge and FDCPA interaction remain later work"],["Death or estate contact","No complete state Collection Agency Act rule verified","No general decedent contact provision established here","Federal and probate rules remain later"],["Workers’ compensation medical debt","Sector override applies to collectors and creditors after proper notices","Collection pauses during pending compensation case until final adjudication; individualized notices and cure path required","Federal law not displaced except as §48-148.02 specifically states"],["Sexual assault, domestic assault, or child-abuse medical debt","Sector override","Provider cannot refer qualifying bill; collector or attorney must return it upon notice; no private action against collector under this section","Other laws require separate predicates"],["Public debt","Licensed-agency outsourcing expressly authorized","First-class-mail attempt and at least 30 days before assignment, subject to support exception; special court-debt fee branch","Federal coverage depends on debt and actor"],["Repossession","General classification unresolved","Installment-loan licensee cannot take collateral without process if it requires entry into dwelling/locked unoccupied vehicle, force, or breach of peace","Obduskey supplies the limited federal security-enforcer rule"]]},{"headers":["Issue","Nebraska Collection Agency Act","Federal FDCPA"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Issue","Nebraska Collection Agency Act","Federal FDCPA"],["Covered obligation","Claims “of any kind”; consumer and commercial collection can be licensed","“Debt” must arise primarily from personal, family, or household transaction"],["Third-party agency","Covered under state definition when statutory solicitation/client conditions are met","Covered if principal-purpose or regularly-collects-another branch applies"],["Original creditor in own name","Generally outside state collection-agency definition","Usually outside federal debt-collector definition"],["Original creditor using false third-party name","Expressly included","Federal creditor/collector definitions also reach false-name collection"],["Debt buyer collecting own debt","Express state purchaser exclusion when collecting in own name","Outside “owed another” branch under Henson, but may qualify under principal-purpose branch"],["Servicer obtaining debt before default","No express equivalent exclusion in Collection Agency Act; state definition controls","Express federal exclusion for qualifying nondefault servicing"],["Affiliate","No general state affiliate exclusion","Narrow federal affiliate exclusion under specified common-control and principal-business conditions"],["Attorney","State exclusion only in own name and no lay management","No blanket federal exclusion; Heintz covers regular consumer-debt litigation"],["Security-interest enforcer","State result unresolved","Limited-purpose collector for §1692f(6) when doing no more than security enforcement"],["Government employee","No identical broad Collection Agency Act category necessary for government’s own collection","Federal exclusion for government officer/employee acting officially"],["Nonprofit counseling","No general state collection-agency nonprofit exclusion","Federal exclusion for bona fide nonprofit consumer-credit counseling"],["Commercial debt","Can be within state licensing","Outside FDCPA’s “debt” definition"],["More protective state law","State law independently applies","§1692n preserves non-inconsistent state law; greater protection is not inconsistent"]]},{"headers":["Authority","Posture and precise use","Status and limit"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Posture and precise use","Status and limit"],["State ex rel. Hartman v. Weiss, 181 Neb. 685, 150 N.W.2d 264 (1967)","Official statute annotations state that failure to report and pay collections within the required time justified license revocation","Controlling Nebraska Supreme Court result; complete opinion text was not successfully retrieved, so no broader holding is asserted"],["Nebraska AG Opinion 96085","Concluded purchaser of unpaid checks collecting them in its own name was within purchaser exclusion and outside Board jurisdiction","Historical advisory opinion, not a judgment; current exclusion remains materially similar"],["Nebraska AG Opinion 96075","Read the statute’s mandatory sworn-complaint hearing as limited to customer/client complainants while recognizing Board own-motion authority","Historical advisory; rule now says “any person or client,” creating an unresolved rule/statute issue"],["Hage v. General Service Bureau, 306 F. Supp. 2d 883 (D. Neb. 2003)","Held collection-agency licensure alone did not establish NCPA immunity where the challenged conduct was not shown to be regulated by the Board","Published federal district-court decision; persuasive, not Nebraska appellate authority; fee discussion is historically dated"],["Henson v. Santander, 582 U.S. 79 (2017)","Purchased-debt owner not within “regularly collects debts owed another” branch","Final U.S. Supreme Court decision; principal-purpose branch not decided"],["Reygadas v. DNF Associates, 982 F.3d 1119 (8th Cir. 2020)","Principal-purpose definition can cover debt buyer outsourcing actual collection","Published controlling Eighth Circuit federal authority; not every buyer automatically covered"],["Heintz v. Jenkins, 514 U.S. 291 (1995)","FDCPA applies to lawyers regularly engaged in consumer-debt collection litigation","Final U.S. Supreme Court authority"],["Obduskey v. McCarthy & Holthus, 586 U.S. 466 (2019)","Pure nonjudicial security-interest enforcement generally receives limited FDCPA treatment","Final U.S. Supreme Court authority; state licensing untouched"],["Public SOS/NMLS evidence","Current SOS page, dated roster, application route, rule PDF, and guidance located","No named-provider conclusion; NMLS live portal and full current checklist did not render"],["Board final orders","No indexed current final-order repository or materially on-point public final order located in bounded official searches","Negative search only; not proof that no paper, archived, trial, consent, or nonindexed order exists"]]},{"headers":["Source ID","Authority, literal URL, and pinpoint","Version/status and actual access","Limits"],"index":5,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+7"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf","text":"Nebraska Secretary of State\n+10"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf","text":"Nebraska Secretary of State\n+1"},{"href":"https://sos.nebraska.gov/licensing/collection-agencies","text":"Nebraska Secretary of State\n+1"},{"href":"https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf","text":"Nebraska Secretary of State\n+1"},{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NE-SOS","text":"Nationwide Licensing System\n+1"},{"href":"https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf","text":"Nebraska Attorney General\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-335","text":"Nebraska Legislature\n+4"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","text":"Nebraska Legislature\n+1"},{"href":"https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/","text":"Justia Law"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code\n+6"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6","text":"eCFR\n+4"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court"},{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","text":"Justia Law"},{"href":"https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf","text":"Supreme Court\n+1"},{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","text":"Supreme Court"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+1"},{"href":"https://www.nebraska.gov/apps-ago-complaints/","text":"Nebraska.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-302","text":"Nebraska Legislature"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+7"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf","text":"Nebraska Secretary of State\n+10"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf","text":"Nebraska Secretary of State\n+1"}],[{"href":"https://sos.nebraska.gov/licensing/collection-agencies","text":"Nebraska Secretary of State\n+1"}],[{"href":"https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf","text":"Nebraska Secretary of State\n+1"}],[{"href":"https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NE-SOS","text":"Nationwide Licensing System\n+1"}],[{"href":"https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf","text":"Nebraska Attorney General\n+1"}],[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-335","text":"Nebraska Legislature\n+4"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02","text":"Nebraska Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317","text":"Nebraska Legislature"}],[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","text":"Nebraska Legislature\n+1"}],[{"href":"https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/","text":"Justia Law"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code\n+6"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6","text":"eCFR\n+4"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","text":"Justia Law"}],[{"href":"https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf","text":"Supreme Court\n+1"}],[{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","text":"Supreme Court"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+1"}],[{"href":"https://www.nebraska.gov/apps-ago-complaints/","text":"Nebraska.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=87-302","text":"Nebraska Legislature"}]],"rows":[["Source ID","Authority, literal URL, and pinpoint","Version/status and actual access","Limits"],["S_NE-P08-S001","Nebraska Collection Agency Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-601; ...=45-602; ...=45-603; ...=45-604; ...=45-605; ...=45-606; ...=45-607; ...=45-608; ...=45-609; ...=45-610; ...=45-611; ...=45-612; ...=45-613; ...=45-614; ...=45-615; ...=45-616; ...=45-617; ...=45-618; ...=45-619; ...=45-620; ...=45-622; related public debt §45-623 at ...=45-623. Exact principal pinpoints: §§45-601, 45-602(2)–(3), 45-607, 45-611, 45-613, 45-615, 45-622, 45-623. \nNebraska Legislature\n+7","Official current codification freshly read October 26, 2026 Pacific. Sections have differing histories; not treated as independent instruments.","Controlling state statutes. Full security claims, litigation, and collection limitations deferred."],["S_NE-P08-S002","Title 433, Chapter 2—Collection Agency Licensing, Nebraska SOS, https://sos.nebraska.gov/sites/default/files/doc/Chapter-2.pdf. Relevant unnumbered printed pages/PDF indices: definitions index 0; application index 4; solicitor certificates index 5; changes/termination indices 6–7; renewal index 8; records index 9; FDCPA notice index 10; regular office index 11; discipline index 12; fees/bond index 14. \nNebraska Secretary of State\n+10","Agency-hosted PDF freshly read and visually inspected October 26, 2026. No printed page numbers or visible revision/effective date. Linked by current SOS page.","Operative agency-hosted text, but complete certified version history and adoption record not authenticated. Statute/rule renewal conflict preserved."],["S_NE-P08-S003","Guidance Document 20-01—Remote Work for Solicitors of a Licensed Collection Agency, Nebraska Collection Agency Licensing Board, https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf; printed pp.1–2/PDF indices 0–1. \nNebraska Secretary of State\n+1","Dated July 2, 2020; freshly read and visually inspected October 26, 2026.","Advisory; binding on agency until amended by its terms, but cannot impose additional requirements or penalties."],["S_NE-P08-S004","Collection Agencies / Licensing Forms, Nebraska SOS, https://sos.nebraska.gov/licensing/collection-agencies; https://sos.nebraska.gov/licensing/collection-agency-licensing-forms. \nNebraska Secretary of State\n+1","Current public pages freshly checked October 26, 2026.","Establish public filing route and displayed materials, not legal authorization of a named entity. Older paper forms remain displayed despite no-paper new-application notice."],["S_NE-P08-S005","Active Collection Agency Licensees, Nebraska SOS, https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf; printed p.1/PDF index 0 and 18-page document. \nNebraska Secretary of State\n+1","Dated July 9, 2026; says licenses expire December 31, 2026; freshly parsed and visually inspected.","Dated snapshot, not live status, activity classification, discipline record, or permission for every service."],["S_NE-P08-S006","NMLS Nebraska resource and Consumer Access routes, https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NE-SOS; https://www.nmlsconsumeraccess.org/. \nNationwide Licensing System\n+1","Routes checked October 26, 2026; no usable checklist or live license results returned.","Failed/not substantively read. Failure is not evidence of no license."],["S_NE-P08-S007","Nebraska Attorney General Opinion 96085, https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf; printed pp.1–3/PDF indices 0–2, especially pp.1–2/indices 0–1. \nNebraska Attorney General\n+1","Dated December 19, 1996; freshly read and visually inspected October 26, 2026.","Historical advisory opinion; not judicial precedent. Current purchaser-exclusion text separately verified."],["S_NE-P08-S008","Nebraska Attorney General Opinion 96075, direct public PDF previously opened from AG site; printed pp.1–3/PDF indices 0–2, especially statutory complaint discussion on pp.2–3/indices 1–2.","Dated November 20, 1996; freshly read in this pass.","Historical advisory; current rule wording differs from statute."],["S_NE-P08-S009","Nebraska Installment Loan and Sales Act—collection provisions, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-335; ...=45-351; ...=45-352; ...=45-353; ...=45-372. Exact pinpoints §§45-335(7), (18)–(19); 45-351; 45-352; 45-353(2)–(7); 45-372(7). \nNebraska Legislature\n+4","Current codification freshly read October 26, 2026; relevant definitions display July 18, 2026 operative date, conduct sections include 2025 amendments.","Sector-specific; not a universal collection-agency communications code."],["S_NE-P08-S010","Workers’ compensation medical-debt collection, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02; complete section. \nNebraska Legislature","Current official text freshly read October 26, 2026.","Limited to Workers’ Compensation Act; express no-private-action and no-other-law clauses."],["S_NE-P08-S011","Specified assault/abuse medical bills, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317; complete section. \nNebraska Legislature","Current official text freshly read October 26, 2026.","Narrow debt class; express no private cause against collector."],["S_NE-P08-S012","Private detective boundary, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=71-3205; incompatibility between collection-agency status and private-detective licensing/business.","Current text freshly read October 26, 2026.","Only boundary evidence; full repossession/private-detective analysis deferred."],["S_NE-P08-S013","Nebraska Consumer Protection Act, https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617. \nNebraska Legislature\n+1","Current official text freshly read October 26, 2026.","Full remedies and standing are PASS-07 territory; exact regulatory exclusion application held."],["S_NE-P08-S014","Hage v. General Service Bureau, 306 F. Supp. 2d 883 (D. Neb. 2003), https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/; relevant opinion lines 107–118. \nJustia Law","Published federal district-court opinion; full public reproduction freshly read October 26, 2026.","Nonbinding on Nebraska courts; fee-law discussion predates amendments and is not current fee authority."],["S_NE-P08-S015","FDCPA, Office of Law Revision Counsel, https://uscode.house.gov/us/usc/119-124/t15/s1692a/; /s1692c/; /s1692d/; /s1692e/; /s1692f/; /s1692h/; /s1692n/. \nU.S. Code\n+6","U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","Federal minimum/overlay only; validation and full remedy protocol deferred."],["S_NE-P08-S016","Regulation F, CFPB eCFR, https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6; .../section-1006.14; .../section-1006.22. \neCFR\n+4","Current eCFR pages freshly read October 26, 2026.","Applies only within federal scope; complete exceptions and validation/reporting rules deferred."],["S_NE-P08-S017","Henson v. Santander Consumer USA Inc., U.S. Supreme Court, https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf; syllabus printed p.1/PDF index 0; opinion discussion printed pp.2–4/PDF indices 3–5. \nSupreme Court","Final 2017 U.S. Supreme Court opinion; freshly read October 26, 2026.","Decides “owed another” branch, not principal-purpose branch."],["S_NE-P08-S018","Reygadas v. DNF Associates, LLC, 982 F.3d 1119 (8th Cir. 2020), full public opinion at https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html; official PDF route https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf failed with 502. \nJustia Law","Published Eighth Circuit opinion; full HTML read October 26, 2026; official PDF failed.","Controlling federal circuit precedent in Nebraska; does not classify every buyer."],["S_NE-P08-S019","Heintz v. Jenkins, 514 U.S. 291 (1995), https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf; printed U.S. Reports pp.291, 294–299/PDF indices 361, 364–369. \nSupreme Court\n+1","Final U.S. Supreme Court opinion; relevant pages freshly read October 26.","Federal attorney coverage only."],["S_NE-P08-S020","Obduskey v. McCarthy & Holthus LLP, U.S. Supreme Court, https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf; syllabus printed pp.1–2/PDF indices 0–1. \nSupreme Court","Final 2019 Supreme Court opinion; freshly read October 26.","Federal nonjudicial security-enforcement issue; state licensing deferred."],["S_NE-P08-S021","Hartman public authority route, official annotations in §§45-601 and 45-615; full opinion route could not be substantively opened. \nNebraska Legislature\n+1","Official annotation checked October 26, 2026.","Only narrow annotated holding used; full opinion not read."],["S_NE-P08-S022","Nebraska AG consumer complaint, https://www.nebraska.gov/apps-ago-complaints/. \nNebraska.gov","Current public form freshly checked October 26, 2026.","Voluntary public complaint route; not Board complaint, representation, tolling, or merits finding."],["S_NE-P08-S023","UDTPA §87-302 displayed future version, https://nebraskalegislature.gov/laws/statutes.php?statute=87-302. \nNebraska Legislature","Page checked October 26, 2026; displayed version states operative January 1, 2027.","Not relied upon as current October 2026 operative authority. Current-version reconciliation remains a gap."]]},{"headers":["Claim ID","Precise assertion","Source/pinpoint","Conditions, consequence, and confidence"],"index":6,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska Legislature\n+1"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","text":"Nebraska 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Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-623","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-623","text":"Nebraska Legislature"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","text":"Nebraska Legislature\n+2"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court"},{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","text":"Justia 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Legislature"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","text":"Nebraska Legislature\n+2"}],[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","text":"U.S. Code"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","text":"Justia Law"}],[{"href":"https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf","text":"Supreme Court\n+1"}],[{"href":"https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf","text":"Supreme Court"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692c/","text":"U.S. Code\n+4"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6","text":"eCFR\n+2"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692n/","text":"U.S. Code"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","text":"Nebraska Legislature\n+1"}],[],[],[]],"rows":[["Claim ID","Precise assertion","Source/pinpoint","Conditions, consequence, and confidence"],["S_NE-P08-C001","Covered collection-agency business requires a Nebraska license; unlicensed operation is a Class III misdemeanor for each day.","S001, §45-601. \nNebraska Legislature","High, after state classification is established."],["S_NE-P08-C002","Core definition reaches claims “of any kind” solicited from more than one creditor-client and their assertion/enforcement/prosecution.","S001, §45-602(2)(a). \nNebraska Legislature","High; one-client edge remains held."],["S_NE-P08-C003","Nebraska licensing is not limited to consumer debt and can cover commercial claims.","S001 §45-602(2)(a); S002 Rule 008.04. \nNebraska Legislature\n+1","High."],["S_NE-P08-C004","Creditor using a name indicating third-party collection is within state definition.","S001, §45-602(2)(b). \nNebraska Legislature","High; name effect is factual."],["S_NE-P08-C005","True-name original creditor generally falls outside the collection-agency definition on the statute’s structure.","S001, §45-602(2)–(3). \nNebraska Legislature","High textual inference, not a blanket exemption from other law."],["S_NE-P08-C006","Regular employees of a single creditor are expressly excluded.","S001, §45-602(3)(a). \nNebraska Legislature","High."],["S_NE-P08-C007","Purchaser for value collecting purchased accounts in purchaser’s own name is expressly excluded.","S001, §45-602(3)(k). \nNebraska Legislature","High; purchase, ownership, and own-name conditions required."],["S_NE-P08-C008","AG Opinion 96085 historically applied the purchaser exclusion to bought unpaid checks.","S007, pp.1–2/indices 0–1. \nNebraska Attorney General\n+1","Medium-high advisory support, not court precedent."],["S_NE-P08-C009","State classification of a fully passive buyer outsourcing collection remains unresolved.","S001, §45-602(3)(k); S007.","HOLD; contracts, names, and control required."],["S_NE-P08-C010","Attorney exclusion requires own-name handling and no lay management.","S001, §45-602(3)(i). \nNebraska Legislature","High."],["S_NE-P08-C011","Collection-agency license does not authorize practice of law.","S001, §45-622. \nNebraska Legislature","High."],["S_NE-P08-C012","No general Nebraska Collection Agency Act exemption exists merely for affiliate or nonprofit status.","S001, §45-602(3). \nNebraska Legislature","High for reviewed list; another law may apply."],["S_NE-P08-C013","Out-of-state regulated resident agency may communicate with a Nebraska debtor without that communication being prohibited by the Act.","S001, §45-601 final sentence. \nNebraska Legislature","High, but narrower than blanket remote authorization."],["S_NE-P08-C014","Exact Nebraska nexus for debtor-only remote collection beyond communication remains unresolved.","S001 §§45-601, 45-607; S002 Rule 001.02.","HOLD."],["S_NE-P08-C015","Nebraska licensee ordinarily needs a regular physical Nebraska office with required records/access.","S001 §45-607(2); S002 Rule 010. \nNebraska Legislature\n+1","High."],["S_NE-P08-C016","Agency manager ordinarily needs two years’ collection experience unless Board accepts sufficient business experience.","S001, §45-607(1). \nNebraska Legislature","High."],["S_NE-P08-C017","Branch certificates and solicitor certificates are distinct from agency license.","S001 §§45-609–45-610; S002 Rules 005, 013.","High."],["S_NE-P08-C018","Certified solicitors may work remotely if licensed employer maintains Nebraska requirements.","S003, pp.1–2/indices 0–1. \nNebraska Secretary of State\n+1","High for guidance, not new rulemaking."],["S_NE-P08-C019","Statute says renewal by December 31; agency-hosted rule says December 1 and late filings become initial applications.","S001 §45-611; S002 Rule 007. \nNebraska Legislature\n+1","High conflict identification; legal reconciliation unresolved."],["S_NE-P08-C020","Displayed rule fees are $200 license, $200 investigation, $75 renewal, $50 branch, $35 branch renewal, and $1 solicitor.","S002 Rule 013.01. \nNebraska Secretary of State","High for agency-hosted text; rule-history gap preserved."],["S_NE-P08-C021","Collector bond schedule is $5,000/$10,000/$15,000 by solicitor count, subject to $100,000 maximum discretion.","S001 §45-608; S002 Rule 013.03. \nNebraska Secretary of State","High; full security analysis deferred."],["S_NE-P08-C022","Upon license termination, displayed rule requires immediate cessation and 45-day client-account disposition.","S002 Rule 006.03. \nNebraska Secretary of State\n+1","High for rule text."],["S_NE-P08-C023","Collection-payment records must be retained two years and include detailed allocations.","S002 Rule 008.04. \nNebraska Secretary of State","High; not a consumer validation right."],["S_NE-P08-C024","Current SOS route uses NMLS for new applicants; paper applications are not accepted.","S004. \nNebraska Secretary of State","High operational evidence."],["S_NE-P08-C025","July 9, 2026 roster is dated, not live provider authorization.","S005. \nNebraska Secretary of State\n+1","High."],["S_NE-P08-C026","Live NMLS lookup/checklist content was unavailable through the accessed public route.","S006. \nNMLS Consumer Access\n+1","Access gap, not absence."],["S_NE-P08-C027","Statute mandates Board action on sworn customer/client complaint; rule says any person/client.","S001 §45-613; S002 Rule 011.01. \nNebraska Legislature\n+1","High textual discrepancy; authority unresolved."],["S_NE-P08-C028","Collection Agency Act/Chapter 2 contain no verified general communications code equivalent to FDCPA/Reg F.","S001 complete conduct provisions; S002 Rule 009.","High for reviewed authorities; current complete rule-history gap remains."],["S_NE-P08-C029","Rule 009 only requires notice to applicants of federal FDCPA existence.","S002, unnumbered page/index 10. \nNebraska Secretary of State","High; no state incorporation."],["S_NE-P08-C030","Installment-loan third-party contacts are limited by §45-351 with specified exceptions and post-debt waiver.","S009, §§45-351–45-352. \nNebraska Legislature\n+1","High; applies only to that sector."],["S_NE-P08-C031","Defaulted installment borrower can use registered/certified-mail cease instruction, limiting contacts generally to one mailed notice monthly.","S009, §45-353(2). \nNebraska Legislature","High; exceptions in §45-352."],["S_NE-P08-C032","Installment-loan licensee may not call at known-inconvenient times or contact workplace after actual employer prohibition.","S009, §45-372(7)(c), (q). \nNebraska Legislature","High; no state 8–9 default."],["S_NE-P08-C033","Installment-loan licensee faces enumerated prohibitions on violence, profanity, deception, false arrest/crime/legal threats, and fake legal documents.","S009, §45-372(7)(a)–(j). \nNebraska Legislature","High; sector-specific."],["S_NE-P08-C034","Installment-loan licensee cannot add incidental collection amounts absent agreement or law.","S009, §45-372(7)(k). \nNebraska Legislature","High; not universal to every debt."],["S_NE-P08-C035","Installment-loan statute regulates postdated instruments, concealed communication charges, and postcards.","S009, §45-372(7)(l)–(p). \nNebraska Legislature","High."],["S_NE-P08-C036","Workers’ compensation medical collection pauses after compliant individualized notices during pending case.","S010, §48-148.02(1)–(4). \nNebraska Legislature","High; receipt and notice contents essential."],["S_NE-P08-C037","Workers’ compensation section has no private cause and does not itself create another state/federal violation.","S010, §48-148.02(5), (8). \nNebraska Legislature","High."],["S_NE-P08-C038","Qualifying assault/abuse medical debt must be returned by collector upon notice; no private collector action under that section.","S011, §29-4317(3)–(4). \nNebraska Legislature","High."],["S_NE-P08-C039","Public-debt assignment ordinarily requires mailed notice and 30-day wait.","S001, §45-623(2). \nNebraska Legislature","High; support exception."],["S_NE-P08-C040","Criminal/traffic public debt may carry greater of $25 or 4.5% collection fee.","S001, §45-623(4). \nNebraska Legislature","High; narrow branch."],["S_NE-P08-C041","NCPA may apply independently, but §59-1617 regulatory exclusion requires conduct-specific analysis.","S013; S014. \nNebraska Legislature\n+2","Partial/HOLD for exact collection conduct."],["S_NE-P08-C042","Licensing/conduct violation does not automatically create private damages or debt invalidity.","S001; S010; S011.","High caution; full remedies deferred."],["S_NE-P08-C043","FDCPA “debt” is limited to personal/family/household obligations.","S015, §1692a(5). \nU.S. Code","High."],["S_NE-P08-C044","FDCPA includes principal-purpose and regularly-collects-another branches plus defined exclusions.","S015, §1692a(6). \nU.S. Code","High."],["S_NE-P08-C045","Henson excludes owner-collector from “owed another” branch but does not decide principal purpose.","S017. \nSupreme Court","High."],["S_NE-P08-C046","Reygadas holds outsourcing does not defeat principal-purpose status for qualifying debt buyer.","S018. \nJustia Law","High controlling federal precedent; not every buyer."],["S_NE-P08-C047","Heintz applies FDCPA to attorneys regularly collecting consumer debt through litigation.","S019. \nSupreme Court\n+1","High."],["S_NE-P08-C048","Obduskey limits general FDCPA application to pure nonjudicial security-interest enforcement.","S020. \nSupreme Court","High federal holding; state issue open."],["S_NE-P08-C049","Covered FDCPA communications face time, third-party, represented-consumer, cease, harassment, deception, fee, and allocation rules.","S015 §§1692c–f, 1692h. \nU.S. Code\n+4","High; complete exceptions required."],["S_NE-P08-C050","Regulation F supplies conditional electronic opt-out and seven-call presumptions.","S016 §§1006.6, 1006.14. \neCFR\n+2","High federal rule; not Nebraska enactment."],["S_NE-P08-C051","More protective state law is not inconsistent with FDCPA under §1692n.","S015, §1692n. \nU.S. Code","High."],["S_NE-P08-C052","Hartman’s officially annotated holding supports revocation for failure to report and remit collections.","S021. \nNebraska Legislature\n+1","Narrow/high; full opinion not read."],["S_NE-P08-C053","No complete public Board final-order or discipline database was located.","S004, bounded searches.","Limited negative finding, not absence proof."],["S_NE-P08-C054","Current full rule/adoption history remains unauthenticated despite agency-hosted Chapter 2 PDF.","S002 and prior Title 433 access history.","HOLD."],["S_NE-P08-C055","Detailed validation, documentation, credit reporting, litigation, revival, garnishment, and remedies remain uncompleted.","Scope limitation.","Expressly open."]]},{"headers":["Collection issue","Status","Claim IDs","Missing evidence or next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Collection issue","Status","Claim IDs","Missing evidence or next action"],["State collection-agency definition","Answered","C001–C004","Apply to actual service and entity facts"],["Consumer versus commercial debt","Answered","C002–C003","Debt-purpose evidence for federal overlay"],["True-name original creditor","Answered as textual boundary","C005","Actual ownership and name used"],["False-name creditor","Answered","C004","Consumer-perception and communication evidence"],["Single-creditor employee","Answered","C006","Employment and entity records"],["Multi-client third-party agency","Answered","C001–C003","Client count and actual solicitation"],["One-client servicer","Unresolved","C002, C009","Statutory interpretation, contracts, other clients"],["Own-name debt buyer","Answered under state text","C007–C008","Purchase and own-name evidence"],["Passive debt buyer","Unresolved under state law","C009","Control, outsourcing, communications, formal interpretation"],["Debt-buyer federal status","Answered conditionally","C045–C046","Principal-purpose and business evidence"],["Attorney/firm state exemption","Answered textually","C010–C011","Ownership, management, name, legal work facts"],["Attorney federal status","Answered generally","C047","Regularity and consumer-debt facts"],["Affiliate collector","Unresolved","C012","Entity, employee, client count, names, control"],["Nonprofit collector","No general state exemption verified","C012","Actual charter and other law"],["Bank/institution exclusions","Answered textually","C012","Exact charter/status"],["Court-order actor","Answered textually","C012","Actual order and scope"],["Remote debtor communication","Answered narrowly","C013","Exact residence and regulatory status"],["Broader remote operation/nexus","Unresolved","C014","Nebraska clients, office, advertisements, contracts"],["Regular Nebraska office","Answered","C015","Actual office and record access"],["Remote solicitors","Answered conditionally","C018","Certification and employer compliance"],["Manager qualification","Answered","C016","Actual experience and Board discretion"],["Branch requirements","Answered","C017","Actual locations"],["Solicitor certification","Answered","C017","Employee roles and current list"],["Initial/renewal fees","Answered from displayed rule with status limit","C020","Certified current rule/NMLS checklist"],["Collector bond threshold","Answered only for entry","C021","Full security and claim pass"],["Renewal deadline","Conflict unresolved","C019","Rulemaking history, current NMLS instruction, authoritative reconciliation"],["Ownership/change continuity","Answered from rule","C022","Actual transaction"],["License termination workflow","Answered from rule","C022","Actual authorization, accounts, affidavit"],["Payment records","Answered","C023","Consumer access and proof rights remain later"],["Public roster","Answered with date limit","C025","Current named-provider verification if later authorized"],["Live NMLS lookup","Failed/unavailable","C026","Retry only in provider-specific pass"],["Board complaint trigger","Partial/conflict","C027","Current authoritative interpretation or final order"],["General collection communication times","No state-wide rule verified","C028–C029","Complete certified rules and other sector statutes"],["State third-party-contact rule","Answered for installment loans only","C030","Other sector rules later"],["State cease-contact rule","Answered for installment loans only","C031","Other sectors and electronic notice later"],["Workplace contact","Answered for installment loans only","C032","General collector state rule not verified"],["Harassment/violence/profanity","Answered for installment loans only","C033","General state theory remains NCPA/federal"],["False debt/legal representations","Answered for installment loans; federal conditional","C033, C049","Actor and debt classification"],["Unauthorized fees","Answered for installment loans/public debt branches","C034, C040","Other debt types, contracts, litigation law later"],["Postdated instruments","Answered for installment loans","C035","Federal complete analysis later"],["Electronic opt-out","Federal conditional only","C050","No general state equivalent verified"],["Call-frequency cap","Federal conditional only","C050","No state numeric rule verified"],["Workers’ compensation debt pause","Answered","C036–C037","Actual notice and case status"],["Assault/abuse medical bills","Answered","C038","Actual qualifying service and notice"],["Public debt notice/fee","Answered","C039–C040","Actual governmental debt and assignment"],["Utility sector","Partial","C005, C041","Utility-specific statutes/regulator orders later"],["Medical sector beyond identified statutes","Partial","C036–C038","Billing, reporting, provider, charity-care rules later"],["Repossession/security enforcement","Partial federal boundary only","C048","Nebraska UCC, foreclosure, private-detective, repossession pass"],["Bankruptcy/death","Excluded except narrow state boundary","—","Bankruptcy, probate, deceased-consumer communication pass"],["State validation/documentation","Excluded/later","C055","Initial notices, itemization, proof, dispute response"],["Credit reporting","Excluded except false-reporting boundaries","C033, C038, C055","FCRA/Reg V, furnishing, disputes, medical-debt reporting"],["Debt-type limitations/revival","Excluded/later","C055","Contract/open account/judgment periods, payments, acknowledgments"],["Collection litigation/service/default","Excluded/later","C055","Pleading, proof, assignment, service, default judgment"],["Garnishment/exemptions","Excluded/later","C055","Wage, bank, benefits, procedure"],["Full private/public remedies","Excluded except no-automatic-remedy cautions","C037–C042","Separate remedies component"],["Local/tribal/country rules","Excluded/later","—","Separate jurisdictional pass"],["Named-provider authorization","Not performed","C025–C026","Exact legal name and requested date"]]}],"claims":[{"claim_id":"S_NE-P08-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C001","Precise assertion":"Covered collection-agency business requires a Nebraska license; unlicensed operation is a Class III misdemeanor for each day.","Source/pinpoint":"S001, §45-601. \nNebraska Legislature","Conditions, consequence, and confidence":"High, after state classification is established."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C002","Precise assertion":"Core definition reaches claims “of any kind” solicited from more than one creditor-client and their assertion/enforcement/prosecution.","Source/pinpoint":"S001, §45-602(2)(a). \nNebraska Legislature","Conditions, consequence, and confidence":"High; one-client edge remains held."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C003","Precise assertion":"Nebraska licensing is not limited to consumer debt and can cover commercial claims.","Source/pinpoint":"S001 §45-602(2)(a); S002 Rule 008.04. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C004","Precise assertion":"Creditor using a name indicating third-party collection is within state definition.","Source/pinpoint":"S001, §45-602(2)(b). \nNebraska Legislature","Conditions, consequence, and confidence":"High; name effect is factual."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C005","Precise assertion":"True-name original creditor generally falls outside the collection-agency definition on the statute’s structure.","Source/pinpoint":"S001, §45-602(2)–(3). \nNebraska Legislature","Conditions, consequence, and confidence":"High textual inference, not a blanket exemption from other law."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C006","Precise assertion":"Regular employees of a single creditor are expressly excluded.","Source/pinpoint":"S001, §45-602(3)(a). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C007","Precise assertion":"Purchaser for value collecting purchased accounts in purchaser’s own name is expressly excluded.","Source/pinpoint":"S001, §45-602(3)(k). \nNebraska Legislature","Conditions, consequence, and confidence":"High; purchase, ownership, and own-name conditions required."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C008","Precise assertion":"AG Opinion 96085 historically applied the purchaser exclusion to bought unpaid checks.","Source/pinpoint":"S007, pp.1–2/indices 0–1. \nNebraska Attorney General\n+1","Conditions, consequence, and confidence":"Medium-high advisory support, not court precedent."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C009","Precise assertion":"State classification of a fully passive buyer outsourcing collection remains unresolved.","Source/pinpoint":"S001, §45-602(3)(k); S007.","Conditions, consequence, and confidence":"HOLD; contracts, names, and control required."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C010","Precise assertion":"Attorney exclusion requires own-name handling and no lay management.","Source/pinpoint":"S001, §45-602(3)(i). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C011","Precise assertion":"Collection-agency license does not authorize practice of law.","Source/pinpoint":"S001, §45-622. \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C012","Precise assertion":"No general Nebraska Collection Agency Act exemption exists merely for affiliate or nonprofit status.","Source/pinpoint":"S001, §45-602(3). \nNebraska Legislature","Conditions, consequence, and confidence":"High for reviewed list; another law may apply."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q002"]},{"claim_id":"S_NE-P08-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C013","Precise assertion":"Out-of-state regulated resident agency may communicate with a Nebraska debtor without that communication being prohibited by the Act.","Source/pinpoint":"S001, §45-601 final sentence. \nNebraska Legislature","Conditions, consequence, and confidence":"High, but narrower than blanket remote authorization."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C014","Precise assertion":"Exact Nebraska nexus for debtor-only remote collection beyond communication remains unresolved.","Source/pinpoint":"S001 §§45-601, 45-607; S002 Rule 001.02.","Conditions, consequence, and confidence":"HOLD."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C015","Precise assertion":"Nebraska licensee ordinarily needs a regular physical Nebraska office with required records/access.","Source/pinpoint":"S001 §45-607(2); S002 Rule 010. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C016","Precise assertion":"Agency manager ordinarily needs two years’ collection experience unless Board accepts sufficient business experience.","Source/pinpoint":"S001, §45-607(1). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C017","Precise assertion":"Branch certificates and solicitor certificates are distinct from agency license.","Source/pinpoint":"S001 §§45-609–45-610; S002 Rules 005, 013.","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C018","Precise assertion":"Certified solicitors may work remotely if licensed employer maintains Nebraska requirements.","Source/pinpoint":"S003, pp.1–2/indices 0–1. \nNebraska Secretary of State\n+1","Conditions, consequence, and confidence":"High for guidance, not new rulemaking."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C019","Precise assertion":"Statute says renewal by December 31; agency-hosted rule says December 1 and late filings become initial applications.","Source/pinpoint":"S001 §45-611; S002 Rule 007. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"High conflict identification; legal reconciliation unresolved."},"coordinator_verification_status":"partial_selected_authority_support_remaining_hold","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q005"]},{"claim_id":"S_NE-P08-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C020","Precise assertion":"Displayed rule fees are $200 license, $200 investigation, $75 renewal, $50 branch, $35 branch renewal, and $1 solicitor.","Source/pinpoint":"S002 Rule 013.01. \nNebraska Secretary of State","Conditions, consequence, and confidence":"High for agency-hosted text; rule-history gap preserved."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C021","Precise assertion":"Collector bond schedule is $5,000/$10,000/$15,000 by solicitor count, subject to $100,000 maximum discretion.","Source/pinpoint":"S001 §45-608; S002 Rule 013.03. \nNebraska Secretary of State","Conditions, consequence, and confidence":"High; full security analysis deferred."},"coordinator_verification_status":"partial_selected_authority_support_remaining_hold","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q007"]},{"claim_id":"S_NE-P08-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C022","Precise assertion":"Upon license termination, displayed rule requires immediate cessation and 45-day client-account disposition.","Source/pinpoint":"S002 Rule 006.03. \nNebraska Secretary of State\n+1","Conditions, consequence, and confidence":"High for rule text."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q002","S_NE-P08-Q006"],"coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C023","Precise assertion":"Collection-payment records must be retained two years and include detailed allocations.","Source/pinpoint":"S002 Rule 008.04. \nNebraska Secretary of State","Conditions, consequence, and confidence":"High; not a consumer validation right."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C024","Precise assertion":"Current SOS route uses NMLS for new applicants; paper applications are not accepted.","Source/pinpoint":"S004. \nNebraska Secretary of State","Conditions, consequence, and confidence":"High operational evidence."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C025","Precise assertion":"July 9, 2026 roster is dated, not live provider authorization.","Source/pinpoint":"S005. \nNebraska Secretary of State\n+1","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C026","Precise assertion":"Live NMLS lookup/checklist content was unavailable through the accessed public route.","Source/pinpoint":"S006. \nNMLS Consumer Access\n+1","Conditions, consequence, and confidence":"Access gap, not absence."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C027","Precise assertion":"Statute mandates Board action on sworn customer/client complaint; rule says any person/client.","Source/pinpoint":"S001 §45-613; S002 Rule 011.01. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"High textual discrepancy; authority unresolved."},"coordinator_verification_status":"partial_selected_authority_support_remaining_hold","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C028","Precise assertion":"Collection Agency Act/Chapter 2 contain no verified general communications code equivalent to FDCPA/Reg F.","Source/pinpoint":"S001 complete conduct provisions; S002 Rule 009.","Conditions, consequence, and confidence":"High for reviewed authorities; current complete rule-history gap remains."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C029","Precise assertion":"Rule 009 only requires notice to applicants of federal FDCPA existence.","Source/pinpoint":"S002, unnumbered page/index 10. \nNebraska Secretary of State","Conditions, consequence, and confidence":"High; no state incorporation."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C030","Precise assertion":"Installment-loan third-party contacts are limited by §45-351 with specified exceptions and post-debt waiver.","Source/pinpoint":"S009, §§45-351–45-352. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"High; applies only to that sector."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q004"]},{"claim_id":"S_NE-P08-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C031","Precise assertion":"Defaulted installment borrower can use registered/certified-mail cease instruction, limiting contacts generally to one mailed notice monthly.","Source/pinpoint":"S009, §45-353(2). \nNebraska Legislature","Conditions, consequence, and confidence":"High; exceptions in §45-352."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C032","Precise assertion":"Installment-loan licensee may not call at known-inconvenient times or contact workplace after actual employer prohibition.","Source/pinpoint":"S009, §45-372(7)(c), (q). \nNebraska Legislature","Conditions, consequence, and confidence":"High; no state 8–9 default."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C033","Precise assertion":"Installment-loan licensee faces enumerated prohibitions on violence, profanity, deception, false arrest/crime/legal threats, and fake legal documents.","Source/pinpoint":"S009, §45-372(7)(a)–(j). \nNebraska Legislature","Conditions, consequence, and confidence":"High; sector-specific."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C034","Precise assertion":"Installment-loan licensee cannot add incidental collection amounts absent agreement or law.","Source/pinpoint":"S009, §45-372(7)(k). \nNebraska Legislature","Conditions, consequence, and confidence":"High; not universal to every debt."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C035","Precise assertion":"Installment-loan statute regulates postdated instruments, concealed communication charges, and postcards.","Source/pinpoint":"S009, §45-372(7)(l)–(p). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C036","Precise assertion":"Workers’ compensation medical collection pauses after compliant individualized notices during pending case.","Source/pinpoint":"S010, §48-148.02(1)–(4). \nNebraska Legislature","Conditions, consequence, and confidence":"High; receipt and notice contents essential."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"48-148.02fresh body timed out; no notice/deadline anchor certified."},{"claim_id":"S_NE-P08-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C037","Precise assertion":"Workers’ compensation section has no private cause and does not itself create another state/federal violation.","Source/pinpoint":"S010, §48-148.02(5), (8). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"48-148.02fresh body timed out; no notice/deadline anchor certified."},{"claim_id":"S_NE-P08-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C038","Precise assertion":"Qualifying assault/abuse medical debt must be returned by collector upon notice; no private collector action under that section.","Source/pinpoint":"S011, §29-4317(3)–(4). \nNebraska Legislature","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C039","Precise assertion":"Public-debt assignment ordinarily requires mailed notice and 30-day wait.","Source/pinpoint":"S001, §45-623(2). \nNebraska Legislature","Conditions, consequence, and confidence":"High; support exception."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q003"]},{"claim_id":"S_NE-P08-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C040","Precise assertion":"Criminal/traffic public debt may carry greater of $25 or 4.5% collection fee.","Source/pinpoint":"S001, §45-623(4). \nNebraska Legislature","Conditions, consequence, and confidence":"High; narrow branch."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q003"]},{"claim_id":"S_NE-P08-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C041","Precise assertion":"NCPA may apply independently, but §59-1617 regulatory exclusion requires conduct-specific analysis.","Source/pinpoint":"S013; S014. \nNebraska Legislature\n+2","Conditions, consequence, and confidence":"Partial/HOLD for exact collection conduct."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C042","Precise assertion":"Licensing/conduct violation does not automatically create private damages or debt invalidity.","Source/pinpoint":"S001; S010; S011.","Conditions, consequence, and confidence":"High caution; full remedies deferred."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C043","Precise assertion":"FDCPA “debt” is limited to personal/family/household obligations.","Source/pinpoint":"S015, §1692a(5). \nU.S. Code","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C044","Precise assertion":"FDCPA includes principal-purpose and regularly-collects-another branches plus defined exclusions.","Source/pinpoint":"S015, §1692a(6). \nU.S. Code","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C045","Precise assertion":"Henson excludes owner-collector from “owed another” branch but does not decide principal purpose.","Source/pinpoint":"S017. \nSupreme Court","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C046","Precise assertion":"Reygadas holds outsourcing does not defeat principal-purpose status for qualifying debt buyer.","Source/pinpoint":"S018. \nJustia Law","Conditions, consequence, and confidence":"High controlling federal precedent; not every buyer."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C047","Precise assertion":"Heintz applies FDCPA to attorneys regularly collecting consumer debt through litigation.","Source/pinpoint":"S019. \nSupreme Court\n+1","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C048","Precise assertion":"Obduskey limits general FDCPA application to pure nonjudicial security-interest enforcement.","Source/pinpoint":"S020. \nSupreme Court","Conditions, consequence, and confidence":"High federal holding; state issue open."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C049","Precise assertion":"Covered FDCPA communications face time, third-party, represented-consumer, cease, harassment, deception, fee, and allocation rules.","Source/pinpoint":"S015 §§1692c–f, 1692h. \nU.S. Code\n+4","Conditions, consequence, and confidence":"High; complete exceptions required."},"coordinator_verification_status":"partial_selected_authority_support_remaining_hold","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C050","Precise assertion":"Regulation F supplies conditional electronic opt-out and seven-call presumptions.","Source/pinpoint":"S016 §§1006.6, 1006.14. \neCFR\n+2","Conditions, consequence, and confidence":"High federal rule; not Nebraska enactment."},"coordinator_verification_status":"selected_fresh_or_explicitly_dated_primary_support_with_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_pending_findings":["S_NE-P08-Q008"]},{"claim_id":"S_NE-P08-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C051","Precise assertion":"More protective state law is not inconsistent with FDCPA under §1692n.","Source/pinpoint":"S015, §1692n. \nU.S. Code","Conditions, consequence, and confidence":"High."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"1692nnot reopened; no blanket federal source-availability inference."},{"claim_id":"S_NE-P08-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C052","Precise assertion":"Hartman’s officially annotated holding supports revocation for failure to report and remit collections.","Source/pinpoint":"S021. \nNebraska Legislature\n+1","Conditions, consequence, and confidence":"Narrow/high; full opinion not read."},"coordinator_verification_status":"partial_selected_authority_support_remaining_hold","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C053","Precise assertion":"No complete public Board final-order or discipline database was located.","Source/pinpoint":"S004, bounded searches.","Conditions, consequence, and confidence":"Limited negative finding, not absence proof."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00"},{"claim_id":"S_NE-P08-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C054","Precise assertion":"Current full rule/adoption history remains unauthenticated despite agency-hosted Chapter 2 PDF.","Source/pinpoint":"S002 and prior Title 433 access history.","Conditions, consequence, and confidence":"HOLD."},"coordinator_verification_status":"researcher_provenance_unreopened_or_rule_body_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_source_limit":"Unparsed433ch2and no coordinatorpixels; exact reported rule/currentness conclusions not newly verified."},{"claim_id":"S_NE-P08-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P08-C055","Precise assertion":"Detailed validation, documentation, credit reporting, 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Exact principal pinpoints: §§45-601, 45-602(2)–(3), 45-607, 45-611, 45-613, 45-615, 45-622, 45-623. \nNebraska Legislature\n+7","Version/status and actual access":"Official current codification freshly read October 26, 2026 Pacific. Sections have differing histories; not treated as independent instruments.","Limits":"Controlling state statutes. Full security claims, litigation, and collection limitations deferred."},"coordinator_verification_status":"fresh_selected_primary_bodies_plus_dated_reuse_with_remaining_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S001","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-601","packet":"packet-01","complete_body_lines":[19,24],"scope":"Complete license/officer/employee/regulated-foreign communication body; no mental-element construction."},{"source_id":"S_NE-P08-S001","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-623","packet":"packet-01","complete_body_lines":[19,23],"material_scope_exclusion_line":22}],"coordinator_dated_reuse_scope":[{"source_id":"S_NE-P08-S001","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","complete_body_lines":[19,28],"dated_evidence":"[internal evidence reference]","original_observation":"2026-10-26 17:02:04 UTC","sha256":"b72997e09b7af61cd030d6231de6bf2f5d62528b039931e2dfd2aecfc5729cbe","classification":"DATED prior coordinator tool body reread locally; 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Relevant unnumbered printed pages/PDF indices: definitions index 0; application index 4; solicitor certificates index 5; changes/termination indices 6–7; renewal index 8; records index 9; FDCPA notice index 10; regular office index 11; discipline index 12; fees/bond index 14. \nNebraska Secretary of State\n+10","Version/status and actual access":"Agency-hosted PDF freshly read and visually inspected October 26, 2026. No printed page numbers or visible revision/effective date. Linked by current SOS page.","Limits":"Operative agency-hosted text, but complete certified version history and adoption record not authenticated. Statute/rule renewal conflict preserved."},"coordinator_verification_status":"primary_PDF_reached_but_no_text_or_pixels_clause_status_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S003","urls":["https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S003","Authority, literal URL, and pinpoint":"Guidance Document 20-01—Remote Work for Solicitors of a Licensed Collection Agency, Nebraska Collection Agency Licensing Board, https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf; printed pp.1–2/PDF indices 0–1. \nNebraska Secretary of State\n+1","Version/status and actual access":"Dated July 2, 2020; freshly read and visually inspected October 26, 2026.","Limits":"Advisory; binding on agency until amended by its terms, but cannot impose additional requirements or penalties."},"coordinator_verification_status":"fresh_selected_primary_body_read_with_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S003","URL":"https://sos.nebraska.gov/sites/default/files/doc/20200702_CABoard_GuidanceDocument20-01_Final.pdf","packet":"packet-02","complete_parsed_lines":[0,44],"PDF_indices":[0,1],"scope":"Dated July2,2020 guidance, advisory status and conditions retained; no actual pixels."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S004","urls":["https://sos.nebraska.gov/licensing/collection-agencies","https://sos.nebraska.gov/licensing/collection-agency-licensing-forms"],"researcher_record":{"Source ID":"S_NE-P08-S004","Authority, literal URL, and pinpoint":"Collection Agencies / Licensing Forms, Nebraska SOS, https://sos.nebraska.gov/licensing/collection-agencies; https://sos.nebraska.gov/licensing/collection-agency-licensing-forms. \nNebraska Secretary of State\n+1","Version/status and actual access":"Current public pages freshly checked October 26, 2026.","Limits":"Establish public filing route and displayed materials, not legal authorization of a named entity. Older paper forms remain displayed despite no-paper new-application notice."},"coordinator_verification_status":"fresh_selected_primary_body_read_with_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S004","URL":"https://sos.nebraska.gov/licensing/collection-agencies","packet":"packet-02","material_body_lines":[98,132],"scope":"Current filing/branch/solicitor and public-route pointers only; no roster, names, NMLS results or completed forms."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S005","urls":["https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S005","Authority, literal URL, and pinpoint":"Active Collection Agency Licensees, Nebraska SOS, https://sos.nebraska.gov/sites/default/files/doc/regulations/licensing/20260709_Collection%20Agency%20Roster.pdf; printed p.1/PDF index 0 and 18-page document. \nNebraska Secretary of State\n+1","Version/status and actual access":"Dated July 9, 2026; says licenses expire December 31, 2026; freshly parsed and visually inspected.","Limits":"Dated snapshot, not live status, activity classification, discipline record, or permission for every service."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_roster_limit":"No current provider roster/checklist/lookup query; historical report access only."},{"source_id":"S_NE-P08-S006","urls":["https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NE-SOS","https://www.nmlsconsumeraccess.org/","https://mortgage.nationwidelicensingsystem.org/slr/Pages/DynamicLicenses.aspx?StateID=NE-SOS"],"researcher_record":{"Source ID":"S_NE-P08-S006","Authority, literal URL, and pinpoint":"NMLS Nebraska resource and Consumer Access routes, https://mortgage.nationwidelicensingsystem.org/knowledge/Products/nmls/stateresourcecenter/SitePages/Home.aspx?StateID=NE-SOS; https://www.nmlsconsumeraccess.org/. \nNationwide Licensing System\n+1","Version/status and actual access":"Routes checked October 26, 2026; no usable checklist or live license results returned.","Limits":"Failed/not substantively read. Failure is not evidence of no license."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_roster_limit":"No current provider roster/checklist/lookup query; historical report access only."},{"source_id":"S_NE-P08-S007","urls":["https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S007","Authority, literal URL, and pinpoint":"Nebraska Attorney General Opinion 96085, https://ago.nebraska.gov/sites/default/files/docs/opinions/AG%20Opinion%201996-085.pdf; printed pp.1–3/PDF indices 0–2, especially pp.1–2/indices 0–1. \nNebraska Attorney General\n+1","Version/status and actual access":"Dated December 19, 1996; freshly read and visually inspected October 26, 2026.","Limits":"Historical advisory opinion; not judicial precedent. Current purchaser-exclusion text separately verified."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S008","urls":[],"researcher_record":{"Source ID":"S_NE-P08-S008","Authority, literal URL, and pinpoint":"Nebraska Attorney General Opinion 96075, direct public PDF previously opened from AG site; printed pp.1–3/PDF indices 0–2, especially statutory complaint discussion on pp.2–3/indices 1–2.","Version/status and actual access":"Dated November 20, 1996; freshly read in this pass.","Limits":"Historical advisory; current rule wording differs from statute."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_locator_finding":"S_NE-P08-Q001","coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S009","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-335"],"researcher_record":{"Source ID":"S_NE-P08-S009","Authority, literal URL, and pinpoint":"Nebraska Installment Loan and Sales Act—collection provisions, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-335; ...=45-351; ...=45-352; ...=45-353; ...=45-372. Exact pinpoints §§45-335(7), (18)–(19); 45-351; 45-352; 45-353(2)–(7); 45-372(7). \nNebraska Legislature\n+4","Version/status and actual access":"Current codification freshly read October 26, 2026; relevant definitions display July 18, 2026 operative date, conduct sections include 2025 amendments.","Limits":"Sector-specific; not a universal collection-agency communications code."},"coordinator_verification_status":"fresh_selected_primary_body_read_with_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S009","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-351","packet":"packet-03","complete_body_lines":[19,20]},{"source_id":"S_NE-P08-S009","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-352","packet":"packet-03","complete_body_lines":[19,28],"written_relative_permission_line":25},{"source_id":"S_NE-P08-S009","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-353","packet":"packet-03","complete_body_lines":[19,40],"scope":"Complete returned default/cure/cease/repossession body; no actual calendar or collateral application."},{"source_id":"S_NE-P08-S009","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-372","packet":"packet-03","complete_body_lines":[18,58],"scope":"Complete prohibited-acts body; actor/loan predicates and all postdated-instrument conditions retained."}],"coordinator_dated_reuse_scope":[],"coordinator_locator_finding":"S_NE-P08-Q001"},{"source_id":"S_NE-P08-S010","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02"],"researcher_record":{"Source ID":"S_NE-P08-S010","Authority, literal URL, and pinpoint":"Workers’ compensation medical-debt collection, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=48-148.02; complete section. \nNebraska Legislature","Version/status and actual access":"Current official text freshly read October 26, 2026.","Limits":"Limited to Workers’ Compensation Act; express no-private-action and no-other-law clauses."},"coordinator_verification_status":"primary_timeout_notice_body_and_clock_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S011","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317"],"researcher_record":{"Source ID":"S_NE-P08-S011","Authority, literal URL, and pinpoint":"Specified assault/abuse medical bills, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317; complete section. \nNebraska Legislature","Version/status and actual access":"Current official text freshly read October 26, 2026.","Limits":"Narrow debt class; express no private cause against collector."},"coordinator_verification_status":"fresh_selected_primary_body_read_with_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S011","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=29-4317","packet":"packet-02","complete_body_lines":[18,27],"scope":"Complete narrow medical-service/return/no-private-collector-action body, including subsection2."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S012","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=71-3205"],"researcher_record":{"Source ID":"S_NE-P08-S012","Authority, literal URL, and pinpoint":"Private detective boundary, Nebraska Legislature, https://nebraskalegislature.gov/laws/statutes.php?statute=71-3205; incompatibility between collection-agency status and private-detective licensing/business.","Version/status and actual access":"Current text freshly read October 26, 2026.","Limits":"Only boundary evidence; full repossession/private-detective analysis deferred."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S013","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602","https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617"],"researcher_record":{"Source ID":"S_NE-P08-S013","Authority, literal URL, and pinpoint":"Nebraska Consumer Protection Act, https://nebraskalegislature.gov/laws/statutes.php?statute=59-1602; https://nebraskalegislature.gov/laws/statutes.php?statute=59-1617. \nNebraska Legislature\n+1","Version/status and actual access":"Current official text freshly read October 26, 2026.","Limits":"Full remedies and standing are PASS-07 territory; exact regulatory exclusion application held."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S014","urls":["https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/"],"researcher_record":{"Source ID":"S_NE-P08-S014","Authority, literal URL, and pinpoint":"Hage v. General Service Bureau, 306 F. Supp. 2d 883 (D. Neb. 2003), https://law.justia.com/cases/federal/district-courts/FSupp2/306/883/2525782/; relevant opinion lines 107–118. \nJustia Law","Version/status and actual access":"Published federal district-court opinion; full public reproduction freshly read October 26, 2026.","Limits":"Nonbinding on Nebraska courts; fee-law discussion predates amendments and is not current fee authority."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S015","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692a/"],"researcher_record":{"Source ID":"S_NE-P08-S015","Authority, literal URL, and pinpoint":"FDCPA, Office of Law Revision Counsel, https://uscode.house.gov/us/usc/119-124/t15/s1692a/; /s1692c/; /s1692d/; /s1692e/; /s1692f/; /s1692h/; /s1692n/. \nU.S. Code\n+6","Version/status and actual access":"U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","Limits":"Federal minimum/overlay only; validation and full remedy protocol deferred."},"coordinator_verification_status":"dated_selected_primary_definitions_reuse_remaining_FDCPA_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[{"source_id":"S_NE-P08-S015","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","selected_lines":[22,41],"clauses":"Definitions1through6 as actually returned;7/8 and other FDCPA sections not completed here.","dated_evidence":"[internal evidence reference]","original_observation":"2026-10-26 17:08:46 UTC","sha256":"dc13567e67625c2ec016a8e18fda1273b81d041f63e85a2f913988fe9b84d981","classification":"DATED prior coordinator body reread locally; header119-124October15,2026; not fresh currentness"}],"coordinator_locator_finding":"S_NE-P08-Q001"},{"source_id":"S_NE-P08-S016","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6"],"researcher_record":{"Source ID":"S_NE-P08-S016","Authority, literal URL, and pinpoint":"Regulation F, CFPB eCFR, https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6; .../section-1006.14; .../section-1006.22. \neCFR\n+4","Version/status and actual access":"Current eCFR pages freshly read October 26, 2026.","Limits":"Applies only within federal scope; complete exceptions and validation/reporting rules deferred."},"coordinator_verification_status":"fresh_selected_primary_body_read_with_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[{"source_id":"S_NE-P08-S016","URL":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.6","actual_redirect":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.6","packet":"packet-04","complete_body_lines":[103,212]},{"source_id":"S_NE-P08-S016","URL":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.14","actual_redirect":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.14","packet":"packet-04","complete_body_lines":[103,135]}],"coordinator_dated_reuse_scope":[],"coordinator_locator_finding":"S_NE-P08-Q001"},{"source_id":"S_NE-P08-S017","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S017","Authority, literal URL, and pinpoint":"Henson v. Santander Consumer USA Inc., U.S. Supreme Court, https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf; syllabus printed p.1/PDF index 0; opinion discussion printed pp.2–4/PDF indices 3–5. \nSupreme Court","Version/status and actual access":"Final 2017 U.S. Supreme Court opinion; freshly read October 26, 2026.","Limits":"Decides “owed another” branch, not principal-purpose branch."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S018","urls":["https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html","https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S018","Authority, literal URL, and pinpoint":"Reygadas v. DNF Associates, LLC, 982 F.3d 1119 (8th Cir. 2020), full public opinion at https://law.justia.com/cases/federal/appellate-courts/ca8/19-3167/19-3167-2020-12-14.html; official PDF route https://media.ca8.uscourts.gov/opndir/20/12/193167P.pdf failed with 502. \nJustia Law","Version/status and actual access":"Published Eighth Circuit opinion; full HTML read October 26, 2026; official PDF failed.","Limits":"Controlling federal circuit precedent in Nebraska; does not classify every buyer."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S019","urls":["https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S019","Authority, literal URL, and pinpoint":"Heintz v. Jenkins, 514 U.S. 291 (1995), https://www.supremecourt.gov/opinions/boundvolumes/514bv.pdf; printed U.S. Reports pp.291, 294–299/PDF indices 361, 364–369. \nSupreme Court\n+1","Version/status and actual access":"Final U.S. Supreme Court opinion; relevant pages freshly read October 26.","Limits":"Federal attorney coverage only."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S020","urls":["https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf"],"researcher_record":{"Source ID":"S_NE-P08-S020","Authority, literal URL, and pinpoint":"Obduskey v. McCarthy & Holthus LLP, U.S. Supreme Court, https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf; syllabus printed pp.1–2/PDF indices 0–1. \nSupreme Court","Version/status and actual access":"Final 2019 Supreme Court opinion; freshly read October 26.","Limits":"Federal nonjudicial security-enforcement issue; state licensing deferred."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S021","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-601"],"researcher_record":{"Source ID":"S_NE-P08-S021","Authority, literal URL, and pinpoint":"Hartman public authority route, official annotations in §§45-601 and 45-615; full opinion route could not be substantively opened. \nNebraska Legislature\n+1","Version/status and actual access":"Official annotation checked October 26, 2026.","Limits":"Only narrow annotated holding used; full opinion not read."},"coordinator_verification_status":"incidental_official_annotation_only_underlying_opinion_unread","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_locator_finding":"S_NE-P08-Q001","coordinator_opinion_limit":"No fresh opinion, docket, citator, subsequent history or AG-opinion verification."},{"source_id":"S_NE-P08-S022","urls":["https://www.nebraska.gov/apps-ago-complaints/"],"researcher_record":{"Source ID":"S_NE-P08-S022","Authority, literal URL, and pinpoint":"Nebraska AG consumer complaint, https://www.nebraska.gov/apps-ago-complaints/. \nNebraska.gov","Version/status and actual access":"Current public form freshly checked October 26, 2026.","Limits":"Voluntary public complaint route; not Board complaint, representation, tolling, or merits finding."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P08-S023","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=87-302"],"researcher_record":{"Source ID":"S_NE-P08-S023","Authority, literal URL, and pinpoint":"UDTPA §87-302 displayed future version, https://nebraskalegislature.gov/laws/statutes.php?statute=87-302. \nNebraska Legislature","Version/status and actual access":"Page checked October 26, 2026; displayed version states operative January 1, 2027.","Limits":"Not relied upon as current October 2026 operative authority. Current-version reconciliation remains a gap."},"coordinator_verification_status":"researcher_record_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:39:50.070908+00:00","coordinator_check_evidence":"[internal evidence reference]","coordinator_actual_fresh_scope":[],"coordinator_dated_reuse_scope":[]}],"coverage":[{"topic":"State collection-agency definition","researcher_record":{"Collection issue":"State collection-agency definition","Status":"Answered","Claim IDs":"C001–C004","Missing evidence or next action":"Apply to actual service and entity facts"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Consumer versus commercial debt","researcher_record":{"Collection issue":"Consumer versus commercial debt","Status":"Answered","Claim IDs":"C002–C003","Missing evidence or next action":"Debt-purpose evidence for federal overlay"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"True-name original creditor","researcher_record":{"Collection issue":"True-name original creditor","Status":"Answered as textual boundary","Claim IDs":"C005","Missing evidence or next action":"Actual ownership and name used"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"False-name creditor","researcher_record":{"Collection issue":"False-name creditor","Status":"Answered","Claim IDs":"C004","Missing evidence or next action":"Consumer-perception and communication evidence"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Single-creditor employee","researcher_record":{"Collection issue":"Single-creditor employee","Status":"Answered","Claim IDs":"C006","Missing evidence or next action":"Employment and entity records"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Multi-client third-party agency","researcher_record":{"Collection issue":"Multi-client third-party agency","Status":"Answered","Claim IDs":"C001–C003","Missing evidence or next action":"Client count and actual solicitation"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"One-client servicer","researcher_record":{"Collection issue":"One-client servicer","Status":"Unresolved","Claim IDs":"C002, C009","Missing evidence or next action":"Statutory interpretation, contracts, other clients"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Own-name debt buyer","researcher_record":{"Collection issue":"Own-name debt buyer","Status":"Answered under state text","Claim IDs":"C007–C008","Missing evidence or next action":"Purchase and own-name evidence"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Passive debt buyer","researcher_record":{"Collection issue":"Passive debt buyer","Status":"Unresolved under state law","Claim IDs":"C009","Missing evidence or next action":"Control, outsourcing, communications, formal interpretation"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Debt-buyer federal status","researcher_record":{"Collection issue":"Debt-buyer federal status","Status":"Answered conditionally","Claim IDs":"C045–C046","Missing evidence or next action":"Principal-purpose and business evidence"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Attorney/firm state exemption","researcher_record":{"Collection issue":"Attorney/firm state exemption","Status":"Answered textually","Claim IDs":"C010–C011","Missing evidence or next action":"Ownership, management, name, legal work facts"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Attorney federal status","researcher_record":{"Collection issue":"Attorney federal status","Status":"Answered generally","Claim IDs":"C047","Missing evidence or next action":"Regularity and consumer-debt facts"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Affiliate collector","researcher_record":{"Collection issue":"Affiliate collector","Status":"Unresolved","Claim IDs":"C012","Missing evidence or next action":"Entity, employee, client count, names, control"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Nonprofit collector","researcher_record":{"Collection issue":"Nonprofit collector","Status":"No general state exemption verified","Claim IDs":"C012","Missing evidence or next action":"Actual charter and other law"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Bank/institution exclusions","researcher_record":{"Collection issue":"Bank/institution exclusions","Status":"Answered textually","Claim IDs":"C012","Missing evidence or next action":"Exact charter/status"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q002"]},{"topic":"Court-order actor","researcher_record":{"Collection issue":"Court-order actor","Status":"Answered textually","Claim IDs":"C012","Missing evidence or next action":"Actual order and scope"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q002"]},{"topic":"Remote debtor communication","researcher_record":{"Collection issue":"Remote debtor communication","Status":"Answered narrowly","Claim IDs":"C013","Missing evidence or next action":"Exact residence and regulatory status"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Broader remote operation/nexus","researcher_record":{"Collection issue":"Broader remote operation/nexus","Status":"Unresolved","Claim IDs":"C014","Missing evidence or next action":"Nebraska clients, office, advertisements, contracts"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Regular Nebraska office","researcher_record":{"Collection issue":"Regular Nebraska office","Status":"Answered","Claim IDs":"C015","Missing evidence or next action":"Actual office and record access"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Remote solicitors","researcher_record":{"Collection issue":"Remote solicitors","Status":"Answered conditionally","Claim IDs":"C018","Missing evidence or next action":"Certification and employer compliance"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Manager qualification","researcher_record":{"Collection issue":"Manager qualification","Status":"Answered","Claim IDs":"C016","Missing evidence or next action":"Actual experience and Board discretion"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Branch requirements","researcher_record":{"Collection issue":"Branch requirements","Status":"Answered","Claim IDs":"C017","Missing evidence or next action":"Actual locations"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Solicitor certification","researcher_record":{"Collection issue":"Solicitor certification","Status":"Answered","Claim IDs":"C017","Missing evidence or next action":"Employee roles and current list"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Initial/renewal fees","researcher_record":{"Collection issue":"Initial/renewal fees","Status":"Answered from displayed rule with status limit","Claim IDs":"C020","Missing evidence or next action":"Certified current rule/NMLS checklist"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Collector bond threshold","researcher_record":{"Collection issue":"Collector bond threshold","Status":"Answered only for entry","Claim IDs":"C021","Missing evidence or next action":"Full security and claim pass"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q007"]},{"topic":"Renewal deadline","researcher_record":{"Collection issue":"Renewal deadline","Status":"Conflict unresolved","Claim IDs":"C019","Missing evidence or next action":"Rulemaking history, current NMLS instruction, authoritative reconciliation"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q005"]},{"topic":"Ownership/change continuity","researcher_record":{"Collection issue":"Ownership/change continuity","Status":"Answered from rule","Claim IDs":"C022","Missing evidence or next action":"Actual transaction"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q002"]},{"topic":"License termination workflow","researcher_record":{"Collection issue":"License termination workflow","Status":"Answered from rule","Claim IDs":"C022","Missing evidence or next action":"Actual authorization, accounts, affidavit"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Payment records","researcher_record":{"Collection issue":"Payment records","Status":"Answered","Claim IDs":"C023","Missing evidence or next action":"Consumer access and proof rights remain later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Public roster","researcher_record":{"Collection issue":"Public roster","Status":"Answered with date limit","Claim IDs":"C025","Missing evidence or next action":"Current named-provider verification if later authorized"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Live NMLS lookup","researcher_record":{"Collection issue":"Live NMLS lookup","Status":"Failed/unavailable","Claim IDs":"C026","Missing evidence or next action":"Retry only in provider-specific pass"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Board complaint trigger","researcher_record":{"Collection issue":"Board complaint trigger","Status":"Partial/conflict","Claim IDs":"C027","Missing evidence or next action":"Current authoritative interpretation or final order"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"General collection communication times","researcher_record":{"Collection issue":"General collection communication times","Status":"No state-wide rule verified","Claim IDs":"C028–C029","Missing evidence or next action":"Complete certified rules and other sector statutes"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"State third-party-contact rule","researcher_record":{"Collection issue":"State third-party-contact rule","Status":"Answered for installment loans only","Claim IDs":"C030","Missing evidence or next action":"Other sector rules later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q004"]},{"topic":"State cease-contact rule","researcher_record":{"Collection issue":"State cease-contact rule","Status":"Answered for installment loans only","Claim IDs":"C031","Missing evidence or next action":"Other sectors and electronic notice later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Workplace contact","researcher_record":{"Collection issue":"Workplace contact","Status":"Answered for installment loans only","Claim IDs":"C032","Missing evidence or next action":"General collector state rule not verified"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Harassment/violence/profanity","researcher_record":{"Collection issue":"Harassment/violence/profanity","Status":"Answered for installment loans only","Claim IDs":"C033","Missing evidence or next action":"General state theory remains NCPA/federal"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"False debt/legal representations","researcher_record":{"Collection issue":"False debt/legal representations","Status":"Answered for installment loans; federal conditional","Claim IDs":"C033, C049","Missing evidence or next action":"Actor and debt classification"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Unauthorized fees","researcher_record":{"Collection issue":"Unauthorized fees","Status":"Answered for installment loans/public debt branches","Claim IDs":"C034, C040","Missing evidence or next action":"Other debt types, contracts, litigation law later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Postdated instruments","researcher_record":{"Collection issue":"Postdated instruments","Status":"Answered for installment loans","Claim IDs":"C035","Missing evidence or next action":"Federal complete analysis later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Electronic opt-out","researcher_record":{"Collection issue":"Electronic opt-out","Status":"Federal conditional only","Claim IDs":"C050","Missing evidence or next action":"No general state equivalent verified"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Call-frequency cap","researcher_record":{"Collection issue":"Call-frequency cap","Status":"Federal conditional only","Claim IDs":"C050","Missing evidence or next action":"No state numeric rule verified"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q008"]},{"topic":"Workers’ compensation debt pause","researcher_record":{"Collection issue":"Workers’ compensation debt pause","Status":"Answered","Claim IDs":"C036–C037","Missing evidence or next action":"Actual notice and case status"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Assault/abuse medical bills","researcher_record":{"Collection issue":"Assault/abuse medical bills","Status":"Answered","Claim IDs":"C038","Missing evidence or next action":"Actual qualifying service and notice"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Public debt notice/fee","researcher_record":{"Collection issue":"Public debt notice/fee","Status":"Answered","Claim IDs":"C039–C040","Missing evidence or next action":"Actual governmental debt and assignment"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P08-Q003"]},{"topic":"Utility sector","researcher_record":{"Collection issue":"Utility sector","Status":"Partial","Claim IDs":"C005, C041","Missing evidence or next action":"Utility-specific statutes/regulator orders later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Medical sector beyond identified statutes","researcher_record":{"Collection issue":"Medical sector beyond identified statutes","Status":"Partial","Claim IDs":"C036–C038","Missing evidence or next action":"Billing, reporting, provider, charity-care rules later"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Repossession/security enforcement","researcher_record":{"Collection issue":"Repossession/security enforcement","Status":"Partial federal boundary only","Claim IDs":"C048","Missing evidence or next action":"Nebraska UCC, foreclosure, private-detective, repossession pass"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false},{"topic":"Bankruptcy/death","researcher_record":{"Collection issue":"Bankruptcy/death","Status":"Excluded except narrow state boundary","Claim IDs":"—","Missing evidence or next action":"Bankruptcy, probate, deceased-consumer communication pass"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"State validation/documentation","researcher_record":{"Collection issue":"State validation/documentation","Status":"Excluded/later","Claim IDs":"C055","Missing evidence or next action":"Initial notices, itemization, proof, dispute response"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Credit reporting","researcher_record":{"Collection issue":"Credit reporting","Status":"Excluded except false-reporting boundaries","Claim IDs":"C033, C038, C055","Missing evidence or next action":"FCRA/Reg V, furnishing, disputes, medical-debt reporting"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Debt-type limitations/revival","researcher_record":{"Collection issue":"Debt-type limitations/revival","Status":"Excluded/later","Claim IDs":"C055","Missing evidence or next action":"Contract/open account/judgment periods, payments, acknowledgments"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Collection litigation/service/default","researcher_record":{"Collection issue":"Collection litigation/service/default","Status":"Excluded/later","Claim IDs":"C055","Missing evidence or next action":"Pleading, proof, assignment, service, default judgment"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Garnishment/exemptions","researcher_record":{"Collection issue":"Garnishment/exemptions","Status":"Excluded/later","Claim IDs":"C055","Missing evidence or next action":"Wage, bank, benefits, procedure"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Full private/public remedies","researcher_record":{"Collection issue":"Full private/public remedies","Status":"Excluded except no-automatic-remedy cautions","Claim IDs":"C037–C042","Missing evidence or next action":"Separate remedies component"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Local/tribal/country rules","researcher_record":{"Collection issue":"Local/tribal/country rules","Status":"Excluded/later","Claim IDs":"—","Missing evidence or next action":"Separate jurisdictional pass"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."},{"topic":"Named-provider authorization","researcher_record":{"Collection issue":"Named-provider authorization","Status":"Not performed","Claim IDs":"C025–C026","Missing evidence or next action":"Exact legal name and requested date"},"coordinator_acceptance":"whole_component_reviewed_with_material_corrections_and_source_scope_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:39:50.070908+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Explicitly remains outside this component or requires separate primary/application review."}],"annotations":{},"corrections":[{"issue_id":"S_NE-P08-Q001","finding":"Complete literal source locators","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":[],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q002","finding":"Atomic claim coverage crosswalk","affected_claim_ids":["S_NE-P08-C012","S_NE-P08-C022"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-602","https://nebraskalegislature.gov/laws/statutes.php?statute=45-618"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q003","finding":"Public-debt real-estate-tax exclusion","affected_claim_ids":["S_NE-P08-C039","S_NE-P08-C040"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-623"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q004","finding":"Written relative-contact permission timing","affected_claim_ids":["S_NE-P08-C030"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-352"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q005","finding":"Renewal processing-date statutory authority","affected_claim_ids":["S_NE-P08-C019"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-605.01"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q006","finding":"Address-change statutory timing","affected_claim_ids":["S_NE-P08-C022"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-618"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q007","finding":"Bond ceiling does not itself establish upward discretion","affected_claim_ids":["S_NE-P08-C021"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-608"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P08-Q008","finding":"Particular-person call-frequency predicate","affected_claim_ids":["S_NE-P08-C050"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.14"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_NE-P08-scoped-review-20261029","status":"whole_first_scoped_delegated_coordinator_review_complete_eight_bounded_findings_UNSENT","at":"2026-10-29T02:39:50.070908+00:00"}]}