{"meta":{"key":"s_wa--pass-03-citation-02","task":"S_WA","title":"SWA exact original-row completion","parent_title":"Washington debt and debt relief law","edition":"pass-03-citation-02","path":"/research/s_wa--pass-03-citation-02/","kind":"correction","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-28","tables":7,"claims":3,"sources":4,"review_status":"resolved_textual_pinpoint_only_all_other_scope_authority_application_holds_preserved","review_complete":true,"sha256":"79e2e5f26d75116e7f0ac99ecb7a937a59b863e8b2aaa05e8a01eb048946dace","headings":["1. Source and usage register","2. Corrected claim table","3. Complete old/new patch table","4. Explicit S023 binding — supplied original row, unchanged","5. Coverage and disposition table","6. Version and quantity-or-unchanged table","7. Bounded access/failure log and researcher 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-02","facets":{"geography":["us","us-wa"],"debt_type":[],"stage":["resolution"],"subject":[]},"scope":"ExactoriginalC070oldnewrowandS023bindingonly;coordinatorwholeoccurrenceaudit supplied; no whole-report rerun.","pending_corrections":0},"markdown":"# S_WA PASS-03 CITATION-02 — exact original-row completion\n\n**The fresh read confirms § 1006.1(c)(1) as the coverage pinpoint.** Paragraph (b) is purpose. The exact correction below changes only 1006.1(b) to 1006.1(c)(1) in C070’s supporting cell. **No substantive word, qualification, or original cross-reference changes.** [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com)\n\nThe supplied original rows now establish S023’s identity directly. The occurrence inventory is attributed to the **supplied coordinator audit**, not to a new whole-original search by me.\n\n## 1. Source and usage register\n\n| New source/usage ID | Provenance and source | Read bounds, currency/status, and use |\n| --- | --- | --- |\n| **S_WA-P3-L001B-S001** | **FRESH current read.** 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)**, credits, currency banner, and publication-status statement read on **October 28, 2026, America/Los_Angeles**. Authoritative but unofficial eCFR compilation. Displayed version metadata is recorded below. Used solely to authenticate the corrected pointer. [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-L001B-S002** | **PRIOR researcher reading**, preserved from CITATION-01, not repeated here. Its S001 current-section URL is the same as new S001. Adopted originals: [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) and [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). Issuer: Bureau of Consumer Financial Protection; title: *Debt Collection Practices (Regulation F)*. | Prior bounds: 2020 **DATES, printed 76734/PDF index 0**, and complete adopted § 1006.1 at **76887–76888/indexes 153–154**; 2021 **DATES, 5766/index 0**, and instruction 2 at **5853/index 87**. Historical published final rules, previously read as parsed PDF text. No fresh historical-chain investigation in CITATION-02. |\n| **S_WA-P3-L001B-S003** | **SUPPLIED coordinator selected-source review.** The request describes separate coordinator readings of the same current section and adopted originals identified in S001–S002. | Used as attributed review context only. It does not become my fresh reading, and it does not expand the incorporated-authority review. |\n| **S_WA-P3-L001B-S004** | **SUPPLIED original text and occurrence audit.** Original response **5a50d76e-0693-5d20-8a7f-520b24b10792**; **table 5, row 4: C070**; **table 9, row 2: S023**, using the supplied zero-based indexes. | Establishes the exact original cells and reported occurrence inventory. These are supplied provenance records, not new primary-law access or my own complete-original search. |\n\n## 2. Corrected claim table\n\n**New correction record:** **S_WA-P3-L001B-C001**.\n**Patched original target:** **S_WA-P3-C070**.\n**Evidence:** new S001 for the pinpoint; supplied S004 for the original wording.\n\nThe proposition is reproduced unchanged. The supporting cell contains only the requested pinpoint substitution.\n\n| Claim ID | Precise proposition | Authority, conditions and limits |\n| --- | --- | --- |\n| **S_WA-P3-C070** | Regulation F’s scope incorporates the motor-vehicle-dealer exclusion in 12 U.S.C. 5519(a), subject to that statute’s exceptions and defined dealer/vehicle conditions. | S023, 1006.1(c)(1); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024. |\n\nThis reproduces the supplied exception language without newly verifying it. Its substantive support remains the original **S025, § 5519(a)–(f); S044; and B024**, with all existing holds retained.\n\n## 3. Complete old/new patch table\n\n| Exact location | Complete old supporting cell | Complete new supporting cell | Change |\n| --- | --- | --- | --- |\n| Original PASS-03, **table 5, row 4**, C070, **“Authority, conditions and limits”** | S023, 1006.1(b); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024. | S023, 1006.1(c)(1); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024. | **Only:** 1006.1(b) → 1006.1(c)(1). Original claim ID, proposition, remaining supporting text, and qualifications are unchanged. |\n\n## 4. Explicit S023 binding — supplied original row, unchanged\n\n**New identity record:** **S_WA-P3-L001B-C002**.\n\nIn C070, **S023 means the actual supplied source row S_WA-P3-S023**, reproduced below. Its identity is not inferred from a URL or subject heading. The read-bounds cell records the **original report’s supplied wording**; reproducing it does not claim that those other sections were freshly read in this correction.\n\n| Source ID | Issuer/title and direct literal HTTPS URL | Actual read bounds, currency and limitations |\n| --- | --- | --- |\n| **S_WA-P3-S023** | OFR/GPO eCFR and CFPB, Regulation F. [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) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26) ; [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108) ; agency rendition [https://www.consumerfinance.gov/rules-policy/regulations/1006/26/](https://www.consumerfinance.gov/rules-policy/regulations/1006/26/) | eCFR-10/26. All four selected operative sections read, including .2 exclusions and .26 bankruptcy exception. Agency .26 body also read. Title-wide October 23 amendment metadata is not treated as .26’s amendment date. Appendix A and other collection/disclosure rules not completed. |\n\n## 5. Coverage and disposition table\n\n**New occurrence-disposition record:** **S_WA-P3-L001B-C003**. Its whole-original occurrence counts are **coordinator-reported**, not personally reproduced.\n\n| Item | Disposition | Provenance and retained boundary |\n| --- | --- | --- |\n| C070’s erroneous coverage pointer | **Corrected above.** | Fresh S001 plus supplied original C070. |\n| C070 proposition and remaining supporting language | **Unchanged verbatim.** | Supplied original row; correction record C001. |\n| Original S023 | **Unchanged.** | The supplied row contains the correct current-section URL and no erroneous (b) pointer; identity record C002. |\n| Original F001 historical failed route | **Unchanged.** | Supplied audit identifies [https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1) as historical access evidence whose original disposition records successful reading through the subpart-A route, S023. That historical route was not reopened. |\n| Whole-original occurrence inventory | **Accepted only as supplied audit context.** | Coordinator reports exactly **one wrong operative pointer**; the three exact-section occurrences are C070, S023’s correct URL, and F001’s historical URL. The two broader § 1006.108 substring hits remain outside this correction. |\n| § 1006.1(c)(2) | **Separate boundary preserved.** | Included in the fresh complete-section read; no disclosure-regime investigation reopened. |\n| § 1006.2(i), § 1006.26, § 1006.108/Appendix A | **Unreopened.** | Preserve the limited security-enforcement, time-bar/bankruptcy, and State-exemption boundaries respectively. |\n| § 5519 definitions, exceptions, and classification | **All holds retained.** | Original S025/S044/B024 remain the exact substantive dependencies. No new complete § 5519 or FDCPA verification. |\n| Other passes, State/military/2019-act findings, numerical periods, actual application | **Unchanged and excluded.** | No substantive reassessment or outcome determination. |\n\n**Remaining narrow authority limit:** No additional pinpoint defect is visible in the two supplied original rows. However, the fresh § 1006.1 reading authenticates the incorporation pointer; it does not independently authenticate C070’s detailed exception list or resolve its expressly retained definition-currentness and construction holds.\n\n## 6. Version and quantity-or-unchanged table\n\n| Item | Recorded value/status | Qualification |\n| --- | --- | --- |\n| Fresh access | **October 28, 2026, 13:27 PDT** | Access time only. |\n| Current eCFR display | **Up to date through October 26, 2026**; Title 12 last-amended metadata **October 23, 2026** | Title-wide metadata is not a § 1006.1 clause-amendment date. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) |\n| Freshly displayed source credits | **85 FR 76887, November 30, 2020; amended at 86 FR 5853, January 19, 2021** | Publication credits, not an assertion that those are effective dates. [ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com) |\n| Prior adopted-original history | Both stated **November 30, 2021** as effective; 2020 reserved (c)(2), and 2021 added it | Preserved from CITATION-01 researcher reading and the expressly supplied coordinator review. Not freshly reinvestigated here. |\n| New legal numerical measure | **None.** | No new period, monetary measure, formula, counting convention, example, or calendar calculation. |\n| Earlier quantities and holds | **Unchanged.** | Not revalidated by this pinpoint correction. |\n\n## 7. Bounded access/failure log and researcher self-check\n\n| Action | Result |\n| --- | --- |\n| Fresh opening of the supplied subpart-A § 1006.1 URL | Successful; complete operative body, credits, currency, and status read. |\n| Fresh failed routes | **None.** |\n| Historical F001 route | Preserved as supplied historical evidence; not retried or relabeled as a present failure. |\n| Historical originals and other incorporated authorities | Not reopened; prior and supplied provenance remain distinguished. |\n| Original-row comparison | Compared the supplied complete C070 and S023 cells. Used the supplied coordinator audit for whole-original occurrence completeness. |\n\n**Researcher self-check—not independent review:** The visible patch makes exactly the requested citation substitution. The original C070 proposition, S023/S025/S044/B024 references, and every supplied qualification are preserved. S023 is expressly bound to its supplied original row; F001 remains historical access evidence. No fresh whole-original search, broader federal verification, actual legal classification, or operational permission is claimed.\n\nEND S_WA PASS-03 CITATION-02.\n\n","tables":[{"headers":["New source/usage ID","Provenance and source","Read bounds, currency/status, and use"],"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.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"}],"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.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"}],[],[]],"rows":[["New source/usage ID","Provenance and source","Read bounds, currency/status, and use"],["S_WA-P3-L001B-S001","FRESH current read. 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), credits, currency banner, and publication-status statement read on October 28, 2026, America/Los_Angeles. Authoritative but unofficial eCFR compilation. Displayed version metadata is recorded below. Used solely to authenticate the corrected pointer. \necfr.gov"],["S_WA-P3-L001B-S002","PRIOR researcher reading, preserved from CITATION-01, not repeated here. Its S001 current-section URL is the same as new S001. Adopted originals: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf and https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Issuer: Bureau of Consumer Financial Protection; title: Debt Collection Practices (Regulation F).","Prior bounds: 2020 DATES, printed 76734/PDF index 0, and complete adopted § 1006.1 at 76887–76888/indexes 153–154; 2021 DATES, 5766/index 0, and instruction 2 at 5853/index 87. Historical published final rules, previously read as parsed PDF text. No fresh historical-chain investigation in CITATION-02."],["S_WA-P3-L001B-S003","SUPPLIED coordinator selected-source review. The request describes separate coordinator readings of the same current section and adopted originals identified in S001–S002.","Used as attributed review context only. It does not become my fresh reading, and it does not expand the incorporated-authority review."],["S_WA-P3-L001B-S004","SUPPLIED original text and occurrence audit. Original response 5a50d76e-0693-5d20-8a7f-520b24b10792; table 5, row 4: C070; table 9, row 2: S023, using the supplied zero-based indexes.","Establishes the exact original cells and reported occurrence inventory. These are supplied provenance records, not new primary-law access or my own complete-original search."]]},{"headers":["Claim ID","Precise proposition","Authority, conditions and limits"],"index":1,"links":[],"row_links":[[],[]],"rows":[["Claim ID","Precise proposition","Authority, conditions and limits"],["S_WA-P3-C070","Regulation F’s scope incorporates the motor-vehicle-dealer exclusion in 12 U.S.C. 5519(a), subject to that statute’s exceptions and defined dealer/vehicle conditions.","S023, 1006.1(c)(1); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024."]]},{"headers":["Exact location","Complete old supporting cell","Complete new supporting cell","Change"],"index":2,"links":[],"row_links":[[],[]],"rows":[["Exact location","Complete old supporting cell","Complete new supporting cell","Change"],["Original PASS-03, table 5, row 4, C070, “Authority, conditions and limits”","S023, 1006.1(b); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024.","S023, 1006.1(c)(1); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024.","Only: 1006.1(b) → 1006.1(c)(1). Original claim ID, proposition, remaining supporting text, and qualifications are unchanged."]]},{"headers":["Source ID","Issuer/title and direct literal HTTPS URL","Actual read bounds, currency and limitations"],"index":3,"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-1006.2","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/26/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/26/"}],"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-1006.2","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.2"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/26/","text":"https://www.consumerfinance.gov/rules-policy/regulations/1006/26/"}]],"rows":[["Source ID","Issuer/title and direct literal HTTPS URL","Actual read bounds, currency and limitations"],["S_WA-P3-S023","OFR/GPO eCFR and CFPB, Regulation F. 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-1006.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108 ; agency rendition https://www.consumerfinance.gov/rules-policy/regulations/1006/26/","eCFR-10/26. All four selected operative sections read, including .2 exclusions and .26 bankruptcy exception. Agency .26 body also read. Title-wide October 23 amendment metadata is not treated as .26’s amendment date. Appendix A and other collection/disclosure rules not completed."]]},{"headers":["Item","Disposition","Provenance and retained boundary"],"index":4,"links":[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1"}],"row_links":[[],[],[],[],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1","text":"https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1"}],[],[],[],[],[]],"rows":[["Item","Disposition","Provenance and retained boundary"],["C070’s erroneous coverage pointer","Corrected above.","Fresh S001 plus supplied original C070."],["C070 proposition and remaining supporting language","Unchanged verbatim.","Supplied original row; correction record C001."],["Original S023","Unchanged.","The supplied row contains the correct current-section URL and no erroneous (b) pointer; identity record C002."],["Original F001 historical failed route","Unchanged.","Supplied audit identifies https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1 as historical access evidence whose original disposition records successful reading through the subpart-A route, S023. That historical route was not reopened."],["Whole-original occurrence inventory","Accepted only as supplied audit context.","Coordinator reports exactly one wrong operative pointer; the three exact-section occurrences are C070, S023’s correct URL, and F001’s historical URL. The two broader § 1006.108 substring hits remain outside this correction."],["§ 1006.1(c)(2)","Separate boundary preserved.","Included in the fresh complete-section read; no disclosure-regime investigation reopened."],["§ 1006.2(i), § 1006.26, § 1006.108/Appendix A","Unreopened.","Preserve the limited security-enforcement, time-bar/bankruptcy, and State-exemption boundaries respectively."],["§ 5519 definitions, exceptions, and classification","All holds retained.","Original S025/S044/B024 remain the exact substantive dependencies. No new complete § 5519 or FDCPA verification."],["Other passes, State/military/2019-act findings, numerical periods, actual application","Unchanged and excluded.","No substantive reassessment or outcome determination."]]},{"headers":["Item","Recorded value/status","Qualification"],"index":5,"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.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"}],[{"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","Recorded value/status","Qualification"],["Fresh access","October 28, 2026, 13:27 PDT","Access time only."],["Current eCFR display","Up to date through October 26, 2026; Title 12 last-amended metadata October 23, 2026","Title-wide metadata is not a § 1006.1 clause-amendment date. \necfr.gov"],["Freshly displayed source credits","85 FR 76887, November 30, 2020; amended at 86 FR 5853, January 19, 2021","Publication credits, not an assertion that those are effective dates. \necfr.gov"],["Prior adopted-original history","Both stated November 30, 2021 as effective; 2020 reserved (c)(2), and 2021 added it","Preserved from CITATION-01 researcher reading and the expressly supplied coordinator review. Not freshly reinvestigated here."],["New legal numerical measure","None.","No new period, monetary measure, formula, counting convention, example, or calendar calculation."],["Earlier quantities and holds","Unchanged.","Not revalidated by this pinpoint correction."]]},{"headers":["Action","Result"],"index":6,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Action","Result"],["Fresh opening of the supplied subpart-A § 1006.1 URL","Successful; complete operative body, credits, currency, and status read."],["Fresh failed routes","None."],["Historical F001 route","Preserved as supplied historical evidence; not retried or relabeled as a present failure."],["Historical originals and other incorporated authorities","Not reopened; prior and supplied provenance remain distinguished."],["Original-row comparison","Compared the supplied complete C070 and S023 cells. Used the supplied coordinator audit for whole-original occurrence completeness."]]}],"claims":[{"claim_id":"S_WA-P3-L001B-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WA-P3-C070","Precise proposition":"Regulation F’s scope incorporates the motor-vehicle-dealer exclusion in 12 U.S.C. 5519(a), subject to that statute’s exceptions and defined dealer/vehicle conditions.","Authority, conditions and limits":"S023, 1006.1(c)(1); S025, 5519(a)–(f); S044. Mortgage activities, specified retained direct retail credit/leases, and unrelated financial products are exceptions. Other federal agency authority is preserved. Incorporated-definition currentness remains partly held. B024."},"coordinator_verification_status":"exact_pointer_only_patch_verified_other_substantive_support_held","original_claim_id":"S_WA-P3-C070","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"id_normalization":"Unique new correction record explicitly supplied in rendered narrative; originaltargetID/cells unchanged."},{"claim_id":"S_WA-P3-L001B-C002","original_source_id":"S_WA-P3-S023","area_numbers":[66],"researcher_record":{"Exact identity paragraph":"In C070, S023 means the actual supplied source row S_WA-P3-S023, reproduced below. Its identity is not inferred from a URL or subject heading. The read-bounds cell records the original report’s supplied wording; reproducing it does not claim that those other sections were freshly read in this correction.","Verbatim reproduced source row":"{\"Source ID\": \"S_WA-P3-S023\", \"Issuer/title and direct literal HTTPS URL\": \"OFR/GPO eCFR and CFPB, Regulation F. 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-1006.2 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.26 ; https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-D/section-1006.108 ; agency rendition https://www.consumerfinance.gov/rules-policy/regulations/1006/26/\", \"Actual read bounds, currency and limitations\": \"eCFR-10/26. All four selected operative sections read, including .2 exclusions and .26 bankruptcy exception. Agency .26 body also read. Title-wide October 23 amendment metadata is not treated as .26’s amendment date. Appendix A and other collection/disclosure rules not completed.\"}"},"coordinator_verification_status":"supplied_original_identity_and_whole_source_row_verbatim_match","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false},{"claim_id":"S_WA-P3-L001B-C003","area_numbers":[66],"researcher_record":{"Exact occurrence paragraph":"New occurrence-disposition record: S_WA-P3-L001B-C003. Its whole-original occurrence counts are coordinator-reported, not personally reproduced.","Verbatim occurrence disposition":"{\"Item\": \"Whole-original occurrence inventory\", \"Disposition\": \"Accepted only as supplied audit context.\", \"Provenance and retained boundary\": \"Coordinator reports exactly one wrong operative pointer; the three exact-section occurrences are C070, S023’s correct URL, and F001’s historical URL. The two broader § 1006.108 substring hits remain outside this correction.\"}"},"coordinator_verification_status":"coordinator_original_occurrence_audit_compared_attribution_retained","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false}],"sources":[{"source_id":"S_WA-P3-L001B-S001","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1"],"researcher_record":{"New source/usage ID":"S_WA-P3-L001B-S001","Provenance and source":"FRESH current read. 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","Read bounds, currency/status, and use":"Complete (a), (b), (c)(1), and (c)(2), credits, currency banner, and publication-status statement read on October 28, 2026, America/Los_Angeles. Authoritative but unofficial eCFR compilation. Displayed version metadata is recorded below. Used solely to authenticate the corrected pointer. \necfr.gov"},"raw_table_index":0,"source_access_status":"researcher_fresh_current_read","coordinator_verification_status":"fresh_complete_selected_current_section_compared","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"classification_note":"Four actual visible usage rows; supplied-context URL denotes provenance, not a new legal authority. Original reproduced S023 row is context of S004, not an additional fresh source group."},{"source_id":"S_WA-P3-L001B-S002","urls":["https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf","https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf"],"researcher_record":{"New source/usage ID":"S_WA-P3-L001B-S002","Provenance and source":"PRIOR researcher reading, preserved from CITATION-01, not repeated here. Its S001 current-section URL is the same as new S001. Adopted originals: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf and https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Issuer: Bureau of Consumer Financial Protection; title: Debt Collection Practices (Regulation F).","Read bounds, currency/status, and use":"Prior bounds: 2020 DATES, printed 76734/PDF index 0, and complete adopted § 1006.1 at 76887–76888/indexes 153–154; 2021 DATES, 5766/index 0, and instruction 2 at 5853/index 87. Historical published final rules, previously read as parsed PDF text. No fresh historical-chain investigation in CITATION-02."},"raw_table_index":0,"source_access_status":"prior_researcher_history_read_not_fresh","coordinator_verification_status":"documented_prior_selected_original_packet_reuse","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"classification_note":"Four actual visible usage rows; supplied-context URL denotes provenance, not a new legal authority. Original reproduced S023 row is context of S004, not an additional fresh source group."},{"source_id":"S_WA-P3-L001B-S003","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1","https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf","https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf"],"researcher_record":{"New source/usage ID":"S_WA-P3-L001B-S003","Provenance and source":"SUPPLIED coordinator selected-source review. The request describes separate coordinator readings of the same current section and adopted originals identified in S001–S002.","Read bounds, currency/status, and use":"Used as attributed review context only. It does not become my fresh reading, and it does not expand the incorporated-authority review."},"raw_table_index":0,"source_access_status":"supplied_coordinator_review_not_researcher_fresh","coordinator_verification_status":"supplied_review_provenance_compared_not_new_source_access","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"classification_note":"Four actual visible usage rows; supplied-context URL denotes provenance, not a new legal authority. Original reproduced S023 row is context of S004, not an additional fresh source group."},{"source_id":"S_WA-P3-L001B-S004","urls":["[private conversation omitted]"],"researcher_record":{"New source/usage ID":"S_WA-P3-L001B-S004","Provenance and source":"SUPPLIED original text and occurrence audit. Original response 5a50d76e-0693-5d20-8a7f-520b24b10792; table 5, row 4: C070; table 9, row 2: S023, using the supplied zero-based indexes.","Read bounds, currency/status, and use":"Establishes the exact original cells and reported occurrence inventory. These are supplied provenance records, not new primary-law access or my own complete-original search."},"raw_table_index":0,"source_access_status":"supplied_original_context_not_primary_law","coordinator_verification_status":"verbatim_original_rows_and_whole_original_audit_compared","coordinator_review":"[internal evidence reference]","coordinator_full_primary_acceptance":false,"classification_note":"Four actual visible usage rows; supplied-context URL denotes provenance, not a new legal authority. Original reproduced S023 row is context of S004, not an additional fresh source group."}],"coverage":[{"topic":"C070’s erroneous coverage pointer","researcher_record":{"Item":"C070’s erroneous coverage pointer","Disposition":"Corrected above.","Provenance and retained boundary":"Fresh S001 plus supplied original C070."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"C070 proposition and remaining supporting language","researcher_record":{"Item":"C070 proposition and remaining supporting language","Disposition":"Unchanged verbatim.","Provenance and retained boundary":"Supplied original row; correction record C001."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Original S023","researcher_record":{"Item":"Original S023","Disposition":"Unchanged.","Provenance and retained boundary":"The supplied row contains the correct current-section URL and no erroneous (b) pointer; identity record C002."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Original F001 historical failed route","researcher_record":{"Item":"Original F001 historical failed route","Disposition":"Unchanged.","Provenance and retained boundary":"Supplied audit identifies https://www.ecfr.gov/current/title-12/chapter-X/part-1006/section-1006.1 as historical access evidence whose original disposition records successful reading through the subpart-A route, S023. That historical route was not reopened."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Whole-original occurrence inventory","researcher_record":{"Item":"Whole-original occurrence inventory","Disposition":"Accepted only as supplied audit context.","Provenance and retained boundary":"Coordinator reports exactly one wrong operative pointer; the three exact-section occurrences are C070, S023’s correct URL, and F001’s historical URL. The two broader § 1006.108 substring hits remain outside this correction."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 1006.1(c)(2)","researcher_record":{"Item":"§ 1006.1(c)(2)","Disposition":"Separate boundary preserved.","Provenance and retained boundary":"Included in the fresh complete-section read; no disclosure-regime investigation reopened."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 1006.2(i), § 1006.26, § 1006.108/Appendix A","researcher_record":{"Item":"§ 1006.2(i), § 1006.26, § 1006.108/Appendix A","Disposition":"Unreopened.","Provenance and retained boundary":"Preserve the limited security-enforcement, time-bar/bankruptcy, and State-exemption boundaries respectively."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"§ 5519 definitions, exceptions, and classification","researcher_record":{"Item":"§ 5519 definitions, exceptions, and classification","Disposition":"All holds retained.","Provenance and retained boundary":"Original S025/S044/B024 remain the exact substantive dependencies. No new complete § 5519 or FDCPA verification."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"},{"topic":"Other passes, State/military/2019-act findings, numerical periods, actual application","researcher_record":{"Item":"Other passes, State/military/2019-act findings, numerical periods, actual application","Disposition":"Unchanged and excluded.","Provenance and retained boundary":"No substantive reassessment or outcome determination."},"raw_table_index":4,"coordinator_acceptance":"bounded_L001_pinpoint_resolved_all_other_holds_preserved","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WA-P3-L001-citation02-pinpoint-resolved-20261028","status":"resolved_textual_pinpoint_only_all_other_scope_authority_application_holds_preserved","at":"2026-10-28T20:33:49.216842+00:00"}]}