{"meta":{"key":"s_wa--pass-03-citation-01","task":"S_WA","title":"SWA correction of the C070 coverage pinpoint","parent_title":"Washington debt and debt relief law","edition":"pass-03-citation-01","path":"/research/s_wa--pass-03-citation-01/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":6,"claims":6,"sources":3,"review_status":"bounded_review_complete_followup_L001_pinpoint_resolved_other_holds_preserved","review_complete":true,"sha256":"b0a8518f109cab79bedc5c7ce3f3eb807a505cbf90d19f52ff385a764cc89bd8","headings":["1. Source and usage register","2. Corrected claim register","3. Old-versus-new patch table","4. Coverage and disposition table","5. Source-version and quantity-or-unchanged table","6. Bounded read/search/failure log and self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WA/pass-03-citation-01","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":[],"subject":[]},"scope":"OnlyS_WA-P3-L001nonmaterialC070RegFcoveragepinpoint1006.1(b)versus(c)(1);no substantive rerun.","pending_corrections":0},"markdown":"# S_WA PASS-03 CITATION-01 — correction of the C070 coverage pinpoint\n\n**The correct current pinpoint is 12 CFR § 1006.1(c)(1).** Paragraph **(b)** states purpose; it does not contain the collector-coverage clause or its reference to the exclusion in 12 U.S.C. § 5519(a). The fresh primary-source reading confirms the reported citation error. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com)\n\nFor the **bounded proposition described in the request**, this changes the source location only. It does not change or resolve any incorporated definition, exception, legal classification, or actual-application question.\n\n**Occurrence-audit limitation:** The original PASS-03 answer is not available in the text I can inspect for this turn. Consequently, I can authenticate the correction and patch the coordinator-identified C070 citation, but I cannot reproduce C070 verbatim, identify its original source-register ID, or certify that every repeated occurrence has been located. Those specific tasks remain open; the table below does not invent additional occurrences.\n\n**Fresh access:** October 28, 2026, America/Los_Angeles.\n\nIn the tables, **S001–S003** and **C001–C006** abbreviate the full identifiers beginning **S_WA-P3-L001-**. The original patched target remains **S_WA-P3-C070**.\n\n## 1. Source and usage register\n\n| Source ID | Issuer, title, and complete literal HTTPS URLs | Exact pinpoint and actual read bounds | Edition, status, credits, and limits |\n| --- | --- | --- | --- |\n| **S_WA-P3-L001-S001** | Bureau of Consumer Financial Protection; OFR/GPO eCFR, **12 CFR § 1006.1 — Authority, purpose, and coverage**. [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) | **Complete (a), (b), (c)(1), and (c)(2)**; displayed source credits, currency banner, and publication-status statement. | Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: **85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021**. Incorporated authorities were not independently reverified here. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) |\n| **S_WA-P3-L001-S002** | Bureau of Consumer Financial Protection, **Debt Collection Practices (Regulation F)**, published final rule. Official Federal Register PDF: [https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf](https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com). Also read the government HTML rendition: [https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f) | PDF: **85 FR 76734, DATES, zero-based PDF index 0**; complete adopted **§ 1006.1(a)–(c)** at printed **76887–76888, PDF indexes 153–154**. HTML: corresponding operative text, DATES, and § 1006.1 discussion. | Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, **(c)(2) was reserved**. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. [govinfo.gov+2](https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com) |\n| **S_WA-P3-L001-S003** | Bureau of Consumer Financial Protection, **Debt Collection Practices (Regulation F)**, published final rule. Official Federal Register PDF: [https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf](https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com). Also read the government HTML rendition: [https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f](https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f) | PDF: **86 FR 5766, DATES, PDF index 0**; **86 FR 5853, PDF index 87**, Authority and Issuance and complete amendatory instruction **2**, including the added **§ 1006.1(c)(2)**. Corresponding HTML passages also read. | Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com) |\n\nAll three sources were freshly accessed on the access date above. Their jurisdictional relevance here is the **federal Regulation F source citation**, not a new Washington-law finding.\n\n## 2. Corrected claim register\n\nThe first row is a **bounded reissue supported by the fresh reading**, not a claimed verbatim transcription of the unavailable original C070.\n\n| Correction claim ID | Precise proposition | Authority and pinpoint | Disposition and retained limits |\n| --- | --- | --- | --- |\n| **S_WA-P3-L001-C001** | **For original target S_WA-P3-C070:** Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, **12 U.S.C. § 5519(a)**. The coverage pinpoint is **§ 1006.1(c)(1)**. | **S001, § 1006.1(c)(1).** [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) | Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows. |\n| **S_WA-P3-L001-C002** | The old **(b)** citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision. | **S001, complete (b) and (c)(1)**; **S002, printed 76888/PDF 154**. [govinfo.gov](https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com) | Citation-location error established. |\n| **S_WA-P3-L001-C003** | The published 2020 adopted text already placed the relevant coverage clause in **(c)(1)**. | **S002, printed 76888/PDF 154, § 1006.1(c)(1).** [govinfo.gov](https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com) | No basis in this adopted text to treat **(b)** as the former location of this clause. |\n| **S_WA-P3-L001-C004** | The 2021 amendment added **(c)(2)**, separately addressing **§ 1006.34(c)(2)(iii) and (c)(3)(iv)** when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f). | **S003, instruction 2, printed 5853/PDF 87**; current placement checked in **S001, (c)(2)**. [govinfo.gov](https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com) | Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements. |\n| **S_WA-P3-L001-C005** | Both published final rules state **November 30, 2021** as their effective date. Their publication dates are different from that effective date. | **S002, DATES, printed 76734/PDF 0**; **S003, DATES, printed 5766/PDF 0**. [govinfo.gov+1](https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com) | Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion. |\n| **S_WA-P3-L001-C006** | For the coverage proposition supplied by the coordinator, replacing **(b)** with **(c)(1)** changes the pinpoint without changing the stated proposition. | Comparison of the supplied issue description with **C001–C004**. | This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem. |\n\n## 3. Old-versus-new patch table\n\n**Only the first row is a coordinator-identified affected occurrence.** The remaining rows record the exact limits of the requested original-answer inspection.\n\n| Patch target / original location | Old text or pointer available for inspection | Corrected text or disposition | Verification status |\n| --- | --- | --- | --- |\n| **Original claim register: S_WA-P3-C070**, coverage/§ 5519(a) supporting citation | **§ 1006.1(b)**, as expressly identified in the supplied review context. The complete original claim sentence and source cell are not available. | Replace that coverage pinpoint with **12 CFR § 1006.1(c)(1)** and the direct S001 URL. Preserve the original claim ID and all its substantive qualifications and holds. **C001** supplies the freshly supported bounded restatement. | **Correction authenticated; original occurrence identified by coordinator context, not freshly inspected.** |\n| **Original source/usage-register entry supporting C070** | Original source ID, exact row wording, and whether it repeats the erroneous pinpoint are unavailable. | **No fabricated patch row or source ID.** If that entry attributes this same coverage clause to (b), its coverage pinpoint requires the same correction. Any legitimate purpose citation to (b) remains intact. | **Occurrence not verified; exact row remains needed.** |\n| **Other original PASS-03 prose or tables** | The complete original answer is unavailable for an occurrence search. | **No additional occurrence count or completed replacement is asserted.** The remaining inspection is confined to references that use (b) for this coverage proposition. | **Exhaustive inventory unresolved.** |\n\nThe remaining evidence needed for the inventory is the **complete original PASS-03 answer text**, including C070’s full source cell and the corresponding source-register entry. This is an evidence limitation, not a request to broaden the substantive investigation.\n\n## 4. Coverage and disposition table\n\n| Requested item | Disposition | Evidence / exact retained boundary |\n| --- | --- | --- |\n| Complete current § 1006.1(a)–(c) | **Read and authenticated to displayed currency.** | S001; C001–C002, C004. |\n| Material paragraph-placement and amendment history | **Read for this correction.** | S002–S003; C003–C005. No complete rulemaking or subsequent-litigation review claimed. |\n| Correct C070 coverage pinpoint | **Established.** | Original C070 remains the target; C001 is the bounded reissue. |\n| Reproduce original C070 exactly and inspect every occurrence in the original answer | **Unresolved.** | Original answer text is unavailable in this turn. Patch table identifies the confirmed target and unverified locations separately. |\n| § 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A | **Unchanged and unreopened.** | Their cross-references are preserved. No fresh complete incorporated-authority verification is claimed. |\n| § 1006.1(c)(2) | **Separate boundary preserved.** | C004; no merger into the general coverage clause. |\n| § 1006.2(i)’s limited security-enforcement addition | **Unchanged and unreopened.** | No new currentness or construction conclusion. |\n| § 1006.26 time-barred-debt / bankruptcy distinction | **Unchanged and unreopened.** | No new bankruptcy-claim, filing, liability, or outcome conclusion. |\n| Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions | **Excluded from this correction.** | No amendments to their findings, quantities, or holds. |\n| Overall issue disposition | **Pinpoint resolved; exhaustive original-answer occurrence audit remains open.** | No broader federal-scope or report acceptance follows. |\n\n## 5. Source-version and quantity-or-unchanged table\n\n| Item | Verified value or status | Meaning and limit |\n| --- | --- | --- |\n| Fresh access | **October 28, 2026, America/Los_Angeles** | Research access date only. |\n| S001 displayed currency | **Through October 26, 2026**; title-wide last-amended metadata **October 23, 2026** | Neither establishes a § 1006.1 clause-amendment date. No extension beyond displayed currency is asserted. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) |\n| S002 publication / stated effectiveness | **November 30, 2020 / November 30, 2021** | Published adopted rule versus stated effective date; C005. |\n| S003 publication / stated effectiveness | **January 19, 2021 / November 30, 2021** | Published adopted amendment versus stated effective date; C005. |\n| New numerical measure | **None.** | No new limitation period, monetary measure, counting convention, financial input, or worked example is introduced. |\n| Earlier quantities and application holds | **Unchanged; not rechecked here.** | Citation correction does not revalidate or modify them. |\n\n## 6. Bounded read/search/failure log and self-check\n\n| Route or check | Result |\n| --- | --- |\n| Supplied current eCFR URL | Successful fresh read of the complete section, credits, status statement, and currency metadata. |\n| eCFR’s two Federal Register credit links | Successful reads of the relevant government HTML passages. |\n| Targeted official-original discovery | Searched GovInfo for the two identified rule documents. Search results were discovery, not substitutes for operative text. |\n| GovInfo 2020 document-details route: [https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463](https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463?utm_source=chatgpt.com) | Returned no readable body. The materially different ordinary official PDF route in **S002** succeeded. The failed details route was not retried. |\n| Official 2020 and 2021 PDFs | Relevant operative clauses and DATES passages read successfully; exact printed pages and zero-based indexes recorded above. |\n| Same-conversation original-answer retrieval | The available context-retrieval capability expressly lacks access to the current conversation. No broader personal-history search was performed. It could not supply the missing original PASS-03 answer. |\n\n**Researcher self-check—not independent review:** The corrected pinpoint rests on fresh primary reading, not on treating the coordinator’s supplied check as my own access. The source register distinguishes current compilation, historical adopted originals, and alternate formats. Neighboring material returned during navigation was not used to expand the correction. The complete original PASS-03 response was not inspected, and the occurrence audit is therefore expressly incomplete. Every earlier scope, currentness, incorporation, construction, and actual-application hold remains unchanged.\n\nEND S_WA PASS-03 CITATION-01.\n\n","tables":[{"headers":["Source ID","Issuer, title, and complete literal HTTPS URLs","Exact pinpoint and actual read bounds","Edition, status, credits, and limits"],"index":0,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf"},{"href":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","text":"https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+2"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf"},{"href":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","text":"https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}]],"rows":[["Source ID","Issuer, title, and complete literal HTTPS URLs","Exact pinpoint and actual read bounds","Edition, status, credits, and limits"],["S_WA-P3-L001-S001","Bureau of Consumer Financial Protection; OFR/GPO eCFR, 12 CFR § 1006.1 — Authority, purpose, and coverage. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1","Complete (a), (b), (c)(1), and (c)(2); displayed source credits, currency banner, and publication-status statement.","Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: 85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021. Incorporated authorities were not independently reverified here. \necfr.gov"],["S_WA-P3-L001-S002","Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","PDF: 85 FR 76734, DATES, zero-based PDF index 0; complete adopted § 1006.1(a)–(c) at printed 76887–76888, PDF indexes 153–154. HTML: corresponding operative text, DATES, and § 1006.1 discussion.","Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, (c)(2) was reserved. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. \ngovinfo.gov\n+2"],["S_WA-P3-L001-S003","Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","PDF: 86 FR 5766, DATES, PDF index 0; 86 FR 5853, PDF index 87, Authority and Issuance and complete amendatory instruction 2, including the added § 1006.1(c)(2). Corresponding HTML passages also read.","Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. \ngovinfo.gov\n+1"]]},{"headers":["Correction claim ID","Precise proposition","Authority and pinpoint","Disposition and retained limits"],"index":1,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"govinfo.gov"},{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],"row_links":[[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com","text":"govinfo.gov"}],[{"href":"https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com","text":"govinfo.gov\n+1"}],[]],"rows":[["Correction claim ID","Precise proposition","Authority and pinpoint","Disposition and retained limits"],["S_WA-P3-L001-C001","For original target S_WA-P3-C070: Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, 12 U.S.C. § 5519(a). The coverage pinpoint is § 1006.1(c)(1).","S001, § 1006.1(c)(1). \necfr.gov","Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows."],["S_WA-P3-L001-C002","The old (b) citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision.","S001, complete (b) and (c)(1); S002, printed 76888/PDF 154. \ngovinfo.gov","Citation-location error established."],["S_WA-P3-L001-C003","The published 2020 adopted text already placed the relevant coverage clause in (c)(1).","S002, printed 76888/PDF 154, § 1006.1(c)(1). \ngovinfo.gov","No basis in this adopted text to treat (b) as the former location of this clause."],["S_WA-P3-L001-C004","The 2021 amendment added (c)(2), separately addressing § 1006.34(c)(2)(iii) and (c)(3)(iv) when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f).","S003, instruction 2, printed 5853/PDF 87; current placement checked in S001, (c)(2). \ngovinfo.gov","Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements."],["S_WA-P3-L001-C005","Both published final rules state November 30, 2021 as their effective date. Their publication dates are different from that effective date.","S002, DATES, printed 76734/PDF 0; S003, DATES, printed 5766/PDF 0. \ngovinfo.gov\n+1","Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion."],["S_WA-P3-L001-C006","For the coverage proposition supplied by the coordinator, replacing (b) with (c)(1) changes the pinpoint without changing the stated proposition.","Comparison of the supplied issue description with C001–C004.","This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem."]]},{"headers":["Patch target / original location","Old text or pointer available for inspection","Corrected text or disposition","Verification status"],"index":2,"links":[],"row_links":[[],[],[],[]],"rows":[["Patch target / original location","Old text or pointer available for inspection","Corrected text or disposition","Verification status"],["Original claim register: S_WA-P3-C070, coverage/§ 5519(a) supporting citation","§ 1006.1(b), as expressly identified in the supplied review context. The complete original claim sentence and source cell are not available.","Replace that coverage pinpoint with 12 CFR § 1006.1(c)(1) and the direct S001 URL. Preserve the original claim ID and all its substantive qualifications and holds. C001 supplies the freshly supported bounded restatement.","Correction authenticated; original occurrence identified by coordinator context, not freshly inspected."],["Original source/usage-register entry supporting C070","Original source ID, exact row wording, and whether it repeats the erroneous pinpoint are unavailable.","No fabricated patch row or source ID. If that entry attributes this same coverage clause to (b), its coverage pinpoint requires the same correction. Any legitimate purpose citation to (b) remains intact.","Occurrence not verified; exact row remains needed."],["Other original PASS-03 prose or tables","The complete original answer is unavailable for an occurrence search.","No additional occurrence count or completed replacement is asserted. The remaining inspection is confined to references that use (b) for this coverage proposition.","Exhaustive inventory unresolved."]]},{"headers":["Requested item","Disposition","Evidence / exact retained boundary"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Requested item","Disposition","Evidence / exact retained boundary"],["Complete current § 1006.1(a)–(c)","Read and authenticated to displayed currency.","S001; C001–C002, C004."],["Material paragraph-placement and amendment history","Read for this correction.","S002–S003; C003–C005. No complete rulemaking or subsequent-litigation review claimed."],["Correct C070 coverage pinpoint","Established.","Original C070 remains the target; C001 is the bounded reissue."],["Reproduce original C070 exactly and inspect every occurrence in the original answer","Unresolved.","Original answer text is unavailable in this turn. Patch table identifies the confirmed target and unverified locations separately."],["§ 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A","Unchanged and unreopened.","Their cross-references are preserved. No fresh complete incorporated-authority verification is claimed."],["§ 1006.1(c)(2)","Separate boundary preserved.","C004; no merger into the general coverage clause."],["§ 1006.2(i)’s limited security-enforcement addition","Unchanged and unreopened.","No new currentness or construction conclusion."],["§ 1006.26 time-barred-debt / bankruptcy distinction","Unchanged and unreopened.","No new bankruptcy-claim, filing, liability, or outcome conclusion."],["Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions","Excluded from this correction.","No amendments to their findings, quantities, or holds."],["Overall issue disposition","Pinpoint resolved; exhaustive original-answer occurrence audit remains open.","No broader federal-scope or report acceptance follows."]]},{"headers":["Item","Verified value or status","Meaning and limit"],"index":4,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"}],"row_links":[[],[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com","text":"ecfr.gov"}],[],[],[],[]],"rows":[["Item","Verified value or status","Meaning and limit"],["Fresh access","October 28, 2026, America/Los_Angeles","Research access date only."],["S001 displayed currency","Through October 26, 2026; title-wide last-amended metadata October 23, 2026","Neither establishes a § 1006.1 clause-amendment date. No extension beyond displayed currency is asserted. \necfr.gov"],["S002 publication / stated effectiveness","November 30, 2020 / November 30, 2021","Published adopted rule versus stated effective date; C005."],["S003 publication / stated effectiveness","January 19, 2021 / November 30, 2021","Published adopted amendment versus stated effective date; C005."],["New numerical measure","None.","No new limitation period, monetary measure, counting convention, financial input, or worked example is introduced."],["Earlier quantities and application holds","Unchanged; not rechecked here.","Citation correction does not revalidate or modify them."]]},{"headers":["Route or check","Result"],"index":5,"links":[{"href":"https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463"}],"row_links":[[],[],[],[],[{"href":"https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463?utm_source=chatgpt.com","text":"https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463"}],[],[]],"rows":[["Route or check","Result"],["Supplied current eCFR URL","Successful fresh read of the complete section, credits, status statement, and currency metadata."],["eCFR’s two Federal Register credit links","Successful reads of the relevant government HTML passages."],["Targeted official-original discovery","Searched GovInfo for the two identified rule documents. Search results were discovery, not substitutes for operative text."],["GovInfo 2020 document-details route: https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463","Returned no readable body. The materially different ordinary official PDF route in S002 succeeded. The failed details route was not retried."],["Official 2020 and 2021 PDFs","Relevant operative clauses and DATES passages read successfully; exact printed pages and zero-based indexes recorded above."],["Same-conversation original-answer retrieval","The available context-retrieval capability expressly lacks access to the current conversation. No broader personal-history search was performed. It could not supply the missing original PASS-03 answer."]]}],"claims":[{"claim_id":"S_WA-P3-L001-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C001","Precise proposition":"For original target S_WA-P3-C070: Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, 12 U.S.C. § 5519(a). The coverage pinpoint is § 1006.1(c)(1).","Authority and pinpoint":"S001, § 1006.1(c)(1). \necfr.gov","Disposition and retained limits":"Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C002","Precise proposition":"The old (b) citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision.","Authority and pinpoint":"S001, complete (b) and (c)(1); S002, printed 76888/PDF 154. \ngovinfo.gov","Disposition and retained limits":"Citation-location error established."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C003","Precise proposition":"The published 2020 adopted text already placed the relevant coverage clause in (c)(1).","Authority and pinpoint":"S002, printed 76888/PDF 154, § 1006.1(c)(1). \ngovinfo.gov","Disposition and retained limits":"No basis in this adopted text to treat (b) as the former location of this clause."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C004","Precise proposition":"The 2021 amendment added (c)(2), separately addressing § 1006.34(c)(2)(iii) and (c)(3)(iv) when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f).","Authority and pinpoint":"S003, instruction 2, printed 5853/PDF 87; current placement checked in S001, (c)(2). \ngovinfo.gov","Disposition and retained limits":"Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C005","Precise proposition":"Both published final rules state November 30, 2021 as their effective date. Their publication dates are different from that effective date.","Authority and pinpoint":"S002, DATES, printed 76734/PDF 0; S003, DATES, printed 5766/PDF 0. \ngovinfo.gov\n+1","Disposition and retained limits":"Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","raw_table_index":1,"researcher_record":{"Correction claim ID":"S_WA-P3-L001-C006","Precise proposition":"For the coverage proposition supplied by the coordinator, replacing (b) with (c)(1) changes the pinpoint without changing the stated proposition.","Authority and pinpoint":"Comparison of the supplied issue description with C001–C004.","Disposition and retained limits":"This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem."},"coordinator_verification_status":"bounded_pointer_primary_comparison_with_original_row_occurrence_completion_pending","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false}],"sources":[{"source_id":"S_WA-P3-L001-S001","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P3-L001-S001","Issuer, title, and complete literal HTTPS URLs":"Bureau of Consumer Financial Protection; OFR/GPO eCFR, 12 CFR § 1006.1 — Authority, purpose, and coverage. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1","Exact pinpoint and actual read bounds":"Complete (a), (b), (c)(1), and (c)(2); displayed source credits, currency banner, and publication-status statement.","Edition, status, credits, and limits":"Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: 85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021. Incorporated authorities were not independently reverified here. \necfr.gov"},"coordinator_verification_status":"selected_primary_body_and_version_metadata_separately_compared_in_bounded_citation_review","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"coordinator_source_packet":"[internal evidence reference]"},{"source_id":"S_WA-P3-L001-S002","urls":["https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf","https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P3-L001-S002","Issuer, title, and complete literal HTTPS URLs":"Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f","Exact pinpoint and actual read bounds":"PDF: 85 FR 76734, DATES, zero-based PDF index 0; complete adopted § 1006.1(a)–(c) at printed 76887–76888, PDF indexes 153–154. HTML: corresponding operative text, DATES, and § 1006.1 discussion.","Edition, status, credits, and limits":"Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, (c)(2) was reserved. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. \ngovinfo.gov\n+2"},"coordinator_verification_status":"selected_primary_body_and_version_metadata_separately_compared_in_bounded_citation_review","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"coordinator_source_packet":"[internal evidence reference]"},{"source_id":"S_WA-P3-L001-S003","urls":["https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf","https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_WA-P3-L001-S003","Issuer, title, and complete literal HTTPS URLs":"Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f","Exact pinpoint and actual read bounds":"PDF: 86 FR 5766, DATES, PDF index 0; 86 FR 5853, PDF index 87, Authority and Issuance and complete amendatory instruction 2, including the added § 1006.1(c)(2). Corresponding HTML passages also read.","Edition, status, credits, and limits":"Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. \ngovinfo.gov\n+1"},"coordinator_verification_status":"selected_primary_body_and_version_metadata_separately_compared_in_bounded_citation_review","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"coordinator_source_packet":"[internal evidence reference]"}],"coverage":[{"topic":"Complete current § 1006.1(a)–(c)","researcher_record":{"Requested item":"Complete current § 1006.1(a)–(c)","Disposition":"Read and authenticated to displayed currency.","Evidence / exact retained boundary":"S001; C001–C002, C004."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Material paragraph-placement and amendment history","researcher_record":{"Requested item":"Material paragraph-placement and amendment history","Disposition":"Read for this correction.","Evidence / exact retained boundary":"S002–S003; C003–C005. No complete rulemaking or subsequent-litigation review claimed."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Correct C070 coverage pinpoint","researcher_record":{"Requested item":"Correct C070 coverage pinpoint","Disposition":"Established.","Evidence / exact retained boundary":"Original C070 remains the target; C001 is the bounded reissue."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Reproduce original C070 exactly and inspect every occurrence in the original answer","researcher_record":{"Requested item":"Reproduce original C070 exactly and inspect every occurrence in the original answer","Disposition":"Unresolved.","Evidence / exact retained boundary":"Original answer text is unavailable in this turn. Patch table identifies the confirmed target and unverified locations separately."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A","researcher_record":{"Requested item":"§ 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A","Disposition":"Unchanged and unreopened.","Evidence / exact retained boundary":"Their cross-references are preserved. No fresh complete incorporated-authority verification is claimed."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 1006.1(c)(2)","researcher_record":{"Requested item":"§ 1006.1(c)(2)","Disposition":"Separate boundary preserved.","Evidence / exact retained boundary":"C004; no merger into the general coverage clause."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 1006.2(i)’s limited security-enforcement addition","researcher_record":{"Requested item":"§ 1006.2(i)’s limited security-enforcement addition","Disposition":"Unchanged and unreopened.","Evidence / exact retained boundary":"No new currentness or construction conclusion."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 1006.26 time-barred-debt / bankruptcy distinction","researcher_record":{"Requested item":"§ 1006.26 time-barred-debt / bankruptcy distinction","Disposition":"Unchanged and unreopened.","Evidence / exact retained boundary":"No new bankruptcy-claim, filing, liability, or outcome conclusion."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions","researcher_record":{"Requested item":"Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions","Disposition":"Excluded from this correction.","Evidence / exact retained boundary":"No amendments to their findings, quantities, or holds."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Overall issue disposition","researcher_record":{"Requested item":"Overall issue disposition","Disposition":"Pinpoint resolved; exhaustive original-answer occurrence audit remains open.","Evidence / exact retained boundary":"No broader federal-scope or report acceptance follows."},"raw_table_index":3,"coordinator_acceptance":"scoped_citation_review_complete_exact_original_row_followup_pending_other_holds_preserved","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WA-P3-L001-citation01-exact-row-completion-pending-20261028","status":"reviewed_with_exact_original_row_patch_completion_pending","at":"2026-10-28T20:26:13.243711+00:00"}]}