{"meta":{"key":"s_wi--pass-03","task":"S_WI","title":"Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation","parent_title":"Wisconsin debt and debt relief law","edition":"pass-03","path":"/research/s_wi--pass-03/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":8,"claims":63,"sources":34,"review_status":"reviewed_revisions_required","review_complete":true,"sha256":"45b6525da852e0d960474f31d79771eca19af545112b3fad2c4c60e7be7528cf","headings":["Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation","State-source access limitation","1. Wisconsin Consumer Act gateway","First-lien mortgage caution","2. Territorial nexus","3. Actor-by-duty matrix","1. Initial transaction documents","1.1 Exact copy before payment becomes due","1.2 Retained signed writings and later copy demand","1.3 Natural-person obligor or guarantor","2. Account statements and evidence of payment","Open-end initial disclosures","3. Written questions about bills or statements — DFI-WCA 1.36","3.1 Trigger and actors","3.2 Timing","3.3 Payment-instrument exception","3.4 Disputed status and collection effect","4. Assignment notice and proof","4.1 Consumer-credit assignment — Wis. Stat. §422.409","Payment direction","Assignment-notice content","Reasonable proof on request","Joint parties and changed addresses","4.2 UCC assignment proof — Wis. Stat. §409.406","5. Wisconsin disputed-status disclosure","6. Licensed collection-agency records and debtor access","6.1 Records that must exist","6.2 Payment history","6.3 Paid-or-settled receipt","6.4 Backup, creditor reports, and account return","1. Federal actor and debt predicates","2. Initial validation information","2.1 Statutory timing","2.2 Required identity and account information","2.3 Itemization date","2.4 Mortgage special rule","3. Validation period and receipt","4. Oral versus written disputes","4.1 Oral or otherwise nonwritten contact","4.2 Timely written dispute","4.3 Timely original-creditor request","4.4 Later dispute","5. Verification standard and restart","6. Duplicative disputes","7. Overshadowing and the model form","8. Electronic delivery","9. Federal records","10. Federal preservation of Wisconsin law","Walton","Janetos","Rsidue","Bounded negative appellate search","Example 1 — Original creditor account statement versus federal validation","Facts","Applicable state branch","Federal branch","Not automatically required","Example 2 — Written question under DFI-WCA 1.36","Facts","Relative timeline"],"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_WI/pass-03","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["collection","lawsuit"],"subject":["validation-disputes","limitations-revival"]},"scope":"Independent expresslydeferred validation/dispute/documentation; onlyafterWI2complete/saved; P1/P2unreviewednotpremises","pending_corrections":3},"markdown":"# SettleADebt S_WI PASS-03\n\n## Wisconsin prelitigation debt validation, disputes, and consumer access to account documentation\n\n**Actual fresh source-access date:** October 26, 2026, Pacific time / October 26, 2026, UTC\n**Research mode/model:** Regular Chat public-web research using GPT-5.6 Sol Pro, the model actually available in this conversation; no Deep Research, Work, Codex research generation, Chrome control, other Chat, API, purchase, filing, contact, records request, account change, CAPTCHA workaround, or private data.\n**Predecessor status:** PASS-02 is complete and saved. PASS-01 and PASS-02 remain **unreviewed** and supply no accepted legal premises here. Necessary gateway provisions were freshly checked for this pass.\n**Component boundary:** Prelitigation notices, disputes, validation, account information, assignment proof, collector payment histories, and supporting record retention. Credit reporting and FCRA disputes, identity-theft blocking, lawsuit proof and admissibility, pleading, service, defaults, judgments, ordinary limitations and revival, garnishment, secured remedies, sector-specific rules, local/tribal law, and full remedies remain open.\n\n### State-source access limitation\n\nThe Wisconsin Legislature’s integrated full-section and administrative-code pages repeatedly timed out for several provisions. For those sources, I freshly read current 2025 statutory reproductions or current administrative-rule reproductions and separately checked the official Wisconsin locators, rule histories, statute-currentness page, and subsequent 2025 Acts through the current compilation. The official currentness page was checked through **2025 Wisconsin Act 247**. The source register identifies each failed official route rather than representing a secondary access copy as an official-page read. The one material future change located is 2025 Wisconsin Act 105, effective January 1, 2027. [Wisconsin Legislative Documents+2](https://docs.legis.wisconsin.gov/document/statutes/1.01)\n\nAll abbreviated S### and C### references below carry the prefixes S_WI-P03-S and S_WI-P03-C.\n\n# Executive disposition\n\nWisconsin does **not** appear to have one universal state equivalent of 15 U.S.C. §1692g requiring every original creditor, debt buyer, servicer, attorney, and collection agency to send the same initial validation notice and then stop all collection after every dispute. The current verified state scheme is fragmented by actor, transaction, request, and document type:\n\n1. **Wisconsin Consumer Act transaction documents:** A qualifying creditor must provide exact copies of signed obligation documents before payment becomes due, retain specified signed writings for a limited period, furnish copies on timely demand, and provide account statements on written request. Wis. Stat. §§422.302, 422.303, 422.305, and 422.306.\n2. **Written bill or statement inquiry:** DFI-WCA 1.36 requires a merchant—or an assignee after §422.409 assignment notice—to respond specifically to a written question about a bill or statement within 30 days after receipt, or within two complete billing cycles, never more than 90 days, for open-end credit. The rule makes the debt reasonably disputed until the response. It does **not** expressly impose a general collection pause. [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36)\n3. **Assignment information:** Wis. Stat. §422.409 requires a detailed written assignment notice before payment can be redirected in a qualifying consumer-credit transaction and requires the assignee, on request, to seasonably furnish reasonable proof of assignment. Until reasonable proof is furnished, the customer may pay the assignor. The statute does not say that the debt disappears, require an original wet-ink contract, or prescribe a complete chain-of-title packet. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/)\n4. **Licensed collection-agency records:** Wisconsin-licensed collection agencies must keep detailed account ledgers and business records. A debtor has targeted rights to a payment history and a paid-or-settled receipt within ten business days after a qualifying written request. Those rights are not the same as federal debt verification.\n5. **State disputed-status disclosure:** A qualifying collector may not disclose or threaten to disclose a debt known to be reasonably disputed without disclosing the dispute. This is a status-disclosure rule, not a universal state validation pause. [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16)\n6. **Federal FDCPA and Regulation F:** A covered federal debt collector collecting a covered personal, family, or household debt must provide validation information. A timely **written** dispute or original-creditor request triggers a pause until the specified response is sent. Oral contact can prevent the collector from assuming the debt valid, but ordinarily does not trigger §1692g(b)’s verification-and-pause process. [USCode+2](https://uscode.house.gov/us/usc/119-124/t15/s1692g/)\n\nThe widespread formulation that a collector must always provide “the original signed contract” is incorrect. Federal verification ordinarily confirms that the collection demand accurately conveys the creditor’s claimed identity and amount; it does not require the collector to adjudicate the creditor’s underlying entitlement. Wisconsin separately creates narrower contract-copy, account-statement, payment-history, and assignment-proof rights when their particular predicates exist. [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display)\n\nA failure to validate, respond, or supply a document does not automatically extinguish the underlying debt. Depending on the authority, the immediate consequence may instead be a collection pause, continued ability to pay the assignor, disputed-status disclosure, a duty to respond, or an inability to claim a particular safe harbor. Full damages, standing, limitation, and enforcement consequences remain later work.\n\n# A. Applicability and actor classification\n\n## 1. Wisconsin Consumer Act gateway\n\nFor the document and inquiry provisions in chapter 422:\n\n- A **customer** ordinarily is a nonorganization acquiring property, services, money, or credit for personal, family, or household purposes. Agricultural purposes are included in that definition only for chapter 427 unless the parties validly agree to broader WCA coverage.\n- A **consumer-credit transaction** is a qualifying consumer transaction in which property, services, or money is acquired on credit and the obligation is payable in installments or a finance charge is or may be imposed.\n- A **creditor** is a merchant regularly engaged in consumer-credit transactions, arranging consumer credit, or procuring it from third parties.\n- A **merchant** is broader and expressly includes assignees and successors to the enumerated transaction participants. [Justia Law+3](https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/)\n\nAs of October 26, 2026, chapters 421–427 generally exclude:\n\n- credit extended to organizations;\n- transactions in which all parties are organizations;\n- consumer-credit transactions whose amount financed exceeds **$25,000**;\n- other consumer transactions whose cash price exceeds **$25,000**;\n- motor-vehicle consumer leases whose total obligation exceeds **$25,000**;\n- transactions secured by a first-lien real-estate mortgage or equivalent security interest; and\n- primarily agricultural transactions, except that chapter 427 and §422.210 remain applicable as specified. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/)\n\n**Future-effective change:** On January 1, 2027, 2025 Wisconsin Act 105 changes the general $25,000 amount in §421.202(6) to **$50,000**. It is not current law on the October 26, 2026 access date. [Wisconsin Legislative Documents+1](https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1)\n\n### First-lien mortgage caution\n\nSection 422.306 contains a special first-lien-mortgage statement clause, but §421.202(7) generally excludes first-lien real-estate mortgage transactions from chapters 421–427. The §422.306 text should therefore not be represented as a general Wisconsin mortgage-account statement right without identifying a separate inclusion, election, or transaction theory. General mortgage-servicing statements, error notices, and information requests are sector-specific federal/state work outside this pass.\n\n## 2. Territorial nexus\n\nThe Wisconsin Consumer Act applies according to §421.201’s transaction and collection-activity nexus. Chapter 427 expressly reaches collection activity in Wisconsin, including qualifying mail and telephone communications directed to a Wisconsin customer. The exact application of each chapter 422 document right to a remote actor depends on the underlying transaction’s Wisconsin nexus, not merely where a collector’s server or office is located. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/)\n\nThe federal branch has its own interstate-commerce, actor, and debt predicates. Wisconsin coverage and FDCPA coverage are not interchangeable.\n\n## 3. Actor-by-duty matrix\n\n| Actor or model | Wisconsin chapter 422 document/inquiry duties | Wisconsin assignment or agency-record duties | Federal §1692g/Regulation F | Commercial-debt result | Principal limit |\n| --- | --- | --- | --- | --- | --- |\n| **Original creditor collecting its own qualifying WCA account** | §§422.302–.306 can apply; DFI-WCA 1.36 can apply to written bill/statement inquiries | §422.409 applies only after assignment; no ch. 74 payment-history right unless actor is a licensed collection agency | Ordinarily outside federal “debt collector” definition, absent false-name or another statutory branch | WCA generally does not cover ordinary commercial debt | Original-creditor status does not eliminate chapter 427 if its transaction predicates exist |\n| **Original creditor using another name suggesting a third person** | Same state transaction-document analysis | Same | Expressly included in federal debt-collector definition when the false-name test is met | Federal FDCPA still requires personal/family/household debt | No matching automatic Wisconsin chapter 422 conversion was located |\n| **Third-party collection agency** | Not automatically the chapter 422 “creditor”; may act for one | If Wisconsin-licensed, ch. 74 records/history duties apply | Usually covered if collecting qualifying consumer debt owed another and no exclusion applies | Ch. 74 can apply to commercial accounts; FDCPA and chapter 422 ordinarily do not | Agency license status alone does not create chapter 422 creditor duties |\n| **Servicer collecting for an owner** | Transaction creditor remains responsible for creditor duties; servicer’s independent status is fact-specific | Licensed-agency duties apply if servicer is a §218.04 licensee; assignment duties apply only if payment rights were assigned | Nondefault servicing exclusion can matter; default timing and principal-purpose branch require facts | UCC and ch. 74 may apply | “Servicer” label does not decide federal or state status |\n| **Genuine debt buyer collecting purchased debt** | May be a “merchant” or assignee, but *Rsidue* holds that purchasing defaulted obligations did not by itself make that buyer a WCA “creditor” for the pleading provision there | §422.409 can apply directly; DFI-WCA 1.36 expressly addresses an assignee after notice | *Henson* excludes an owner only from the “owed another” branch; principal-purpose coverage remains separate | §409.406 may apply to commercial receivables | Do not apply *Rsidue* as a universal exemption from every WCA provision |\n| **Passive debt owner using a collector** | Depends on whether owner is creditor, merchant, assignee, or successor for the particular provision | §422.409 may govern owner’s assignment notice; collector’s ch. 74 duties are separate | Collector and owner each need their own actor analysis | UCC may apply | Need purchase and servicing agreements, ownership, control, and payment flow |\n| **Successor collector after prior collector** | No universal state dispute-file transfer duty was located | New assignment notice may be required if ownership/payment direction changes; new licensee must maintain its own records | Covered successor has its own initial-validation analysis; may use a different eligible itemization date | Ch. 74/UCC can apply | Exact inheritance of an earlier pause or dispute remains unresolved |\n| **Attorney or law firm** | No special exemption from a chapter 422 provision that otherwise applies to its actual role | Ch. 74 depends on state licensing status; P2 attorney licensing findings are not adopted here | An attorney regularly collecting covered consumer debt can be a federal debt collector | Federal law ordinarily does not cover commercial debt | Litigation proof and attorney-professional rules remain outside this pass |\n| **Licensed Wisconsin collection agency handling commercial debt** | Chapter 422 generally unavailable for ordinary business-purpose debt | Ch. 74 account-record and payment-history duties can still apply | FDCPA ordinarily unavailable | Ch. 74 is the principal verified documentation branch | UCC assignment proof may also apply to covered receivables |\n| **Collector of primarily agricultural deferred-payment debt** | Most chapter 422 rights remain excluded unless a separate inclusion exists | Ch. 74 can apply to a licensee | FDCPA ordinarily does not cover agricultural business-purpose debt | — | Chapter 427 expressly remains applicable |\n| **Pure first-lien mortgage account** | Generally excluded from WCA by §421.202(7) despite language in §422.306 | Sector-specific servicing rules can apply but are deferred | FDCPA can apply to a covered collector and debt; Regulation F has a mortgage-statement special rule | — | Do not treat this pass as the mortgage servicing error-resolution dossier |\n| **Organization or ordinary business debtor** | Generally outside WCA | Licensed-agency and UCC duties can apply | Outside “debt” definition if purpose was business | Yes, through ch. 74/UCC where predicates exist | No consumer validation right should be assumed merely because a collector is licensed |\n\nThe federal definition covers principally debt-collection businesses and persons regularly collecting debts owed another, contains a false-name-creditor rule, and excludes specified original creditors, affiliates, nondefault servicers, fiduciaries, and others. “Debt” is limited to primarily personal, family, or household obligations. [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692a/)\n\n# B. Wisconsin-specific duties\n\n## 1. Initial transaction documents\n\n### 1.1 Exact copy before payment becomes due\n\nWis. Stat. §422.302(3) requires the creditor, before any payment is due, to furnish the customer an exact copy of each instrument, document, agreement, and contract that:\n\n1. is signed by the customer; and\n2. evidences the customer’s obligation.\n\nWhere more than one customer exists, delivery to one customer satisfies this subsection. This is an origination-stage obligation. It is not a rule that every later collector must send every document again on demand. **C005.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-302/)\n\n### 1.2 Retained signed writings and later copy demand\n\nFor non-open-end transactions, §422.303(5) requires the creditor to retain:\n\n- the writing evidencing the transaction; and\n- signed proposals that the merchant required or requested during negotiations,\n\nuntil the earlier of:\n\n- one year after the last scheduled payment; or\n- one year after the transaction was paid in full.\n\nA customer demand made during that retention period entitles the customer to one free copy. Subsequent copies may be conditioned on payment of reasonable preparation and forwarding costs. These are additional copies beyond the initial §422.302 copy. **C006.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-303/)\n\nThe “whichever is sooner” formulation matters. It does not create an indefinite original-creditor retention duty extending through every later sale or collection placement.\n\n### 1.3 Natural-person obligor or guarantor\n\nUnder §422.305, a natural person assuming personal liability must receive the required copies or specified explanation, and the statutory form states that the person is entitled immediately or later to one free copy of a signed document evidencing the transaction. The right is tied to the qualifying personal-obligor transaction; it is not a universal collector-verification rule. **C007.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-305/)\n\n## 2. Account statements and evidence of payment\n\nWis. Stat. §422.306 establishes several distinct duties:\n\n| Event | Actor | Required information | Request/form | Charge | Express response deadline |\n| --- | --- | --- | --- | --- | --- |\n| Cash payment or another payment method that does not itself provide evidence | Creditor | Written receipt | Automatic; no request | None stated | At payment; no separate number stated |\n| Written request for closed-end account statement | Creditor | Dates and amounts of payments, charges imposed, and unpaid balance | Customer written request | No general charge specified for ordinary first statement in subsection (2); additional first-lien statements may involve reasonable cost | No numeric deadline in §422.306 |\n| Written request for open-end history | Creditor | Previous 12 months’ purchases or loan credit, payments, and current unpaid balance; periodic statements may be used | Customer written request | One per 12 months at no more than $1; additional statements at reasonable preparation/furnishing cost | No numeric deadline in §422.306 |\n| Full payoff of non-open-end account | Creditor | Specified paid-in-full and security-release documents | Automatic after all sums paid | None stated | 45 days, subject to §708.15 |\n\nThe section does not itself require production of an original signed contract, full assignment chain, every historical statement, or collector authority agreement. Those requests must be mapped to another source or held. **C008–C011.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/)\n\n### Open-end initial disclosures\n\nWis. Stat. §422.308 requires specified rate and fee information in applications or pre-entry notices for qualifying open-end plans involving Wisconsin residents. It is an application or account-opening disclosure, not a general periodic collection statement or post-default validation notice. No separate general Wisconsin periodic-statement mandate was verified in this focused review; federal Truth in Lending periodic statements and sector rules remain outside scope. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/)\n\n## 3. Written questions about bills or statements — DFI-WCA 1.36\n\nThis is Wisconsin’s clearest state-specific prelitigation dispute-response rule.\n\n### 3.1 Trigger and actors\n\nThe rule applies when:\n\n- a **customer or authorized representative**;\n- **questions in writing**;\n- a bill or statement of:a merchant; oran assignee where §422.409 assignment notice has been given.\n\nThe merchant or assignee must respond **specifically to the issue or dispute raised**. **C012.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36)\n\nBecause “merchant” includes assignees and successors, the rule can reach more than an originating creditor. But §422.306’s statutory subject is “creditor,” while DFI-WCA 1.36 expressly names a merchant and notified assignee. No published controlling Wisconsin appellate opinion was located resolving every interaction between that rule, the broader “merchant” definition, and *Rsidue*’s narrower “creditor” analysis.\n\n### 3.2 Timing\n\n- Ordinary qualifying account: response within **30 days after receipt**.\n- Open-end credit plan: no later than **two complete billing cycles**, and in no event more than **90 days after receipt**.\n\nThe trigger is receipt of the written inquiry, not the date on the consumer’s letter. No Wisconsin rule was verified here defining receipt, electronic equivalence, weekend extension, or the first day of counting specifically for DFI-WCA 1.36. A calendar due date therefore should not be invented without delivery facts and controlling counting authority. **C013–C014.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36)\n\n### 3.3 Payment-instrument exception\n\nAn inquiry written on:\n\n- an instrument of payment; or\n- the returnable portion of a billing statement,\n\nneed not be acknowledged if the creditor conspicuously disclosed that requirement on the statement or another billing-error disclosure. **C015.**\n\n### 3.4 Disputed status and collection effect\n\nThe indebtedness is a “reasonably disputed debt” under §427.104(1)(f) from the date of notice to the merchant until the merchant responds. **C016.**\n\nThe rule does **not** expressly say:\n\n- all collection must cease;\n- the debt is unenforceable;\n- a response must include an original contract;\n- a response must include a full assignment chain;\n- an inadequate response cancels the balance; or\n- the collector can never resume.\n\nIts state consequence is a specific response duty and disputed status during the stated interval. Federal law may independently impose a pause on a covered third-party collector. **C017.**\n\n## 4. Assignment notice and proof\n\n## 4.1 Consumer-credit assignment — Wis. Stat. §422.409\n\n### Payment direction\n\nA customer may continue paying the assignor until receiving notification that:\n\n- the payment rights under the consumer-credit transaction were assigned; and\n- payment should be made to the assignee.\n\nA notification that does not reasonably identify the assigned rights is ineffective. **C018.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/)\n\n### Assignment-notice content\n\nThe notification must:\n\n- be written;\n- be addressed to the contract address, subject to DFI-WCA 1.371’s later-address rule;\n- include a copy of the contract **or identify the contract**;\n- describe the goods or services;\n- identify the assignor and customer;\n- give the assignee’s name and address;\n- state the scheduled payment number, amount, and due dates or periods; and\n- generally state total payments, with the statutory dwelling-acquisition first-lien exception.\n\nWhere a contract contains the specified waiver-of-claims provision, the notice must include the required 12-month complaint, claim, and defense warning. **C019.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/)\n\nThe “copy **or identify**” language defeats any claim that the assignment notice invariably must enclose the original signed contract.\n\n### Reasonable proof on request\n\nOn the customer’s request, the assignee must **seasonably furnish reasonable proof** that the assignment occurred. Until it does, the customer may pay the assignor. **C020.**\n\nThe statute does not specify:\n\n- that the request must be written;\n- a fixed number of days;\n- a mandatory document form;\n- production of every intermediate assignment;\n- an original bill of sale;\n- an unredacted portfolio schedule;\n- a wet-ink contract; or\n- a general collection halt.\n\nNo published controlling Wisconsin appellate decision was located defining “seasonably” or “reasonable proof” for this subsection. A written, dated request is prudent evidence, but prudence is not converted here into an unstated statutory form requirement.\n\n### Joint parties and changed addresses\n\nDFI-WCA 1.37 allows a single jointly addressed notice to joint obligors residing at the same address; otherwise separate notice is required. DFI-WCA 1.371 uses the customer’s last address furnished to the assignor where it differs from the contract address. **C021.**\n\n## 4.2 UCC assignment proof — Wis. Stat. §409.406\n\nFor an account, chattel paper, or payment intangible, an account debtor generally may discharge the obligation by paying the assignor until receiving authenticated notification of assignment and payment direction. On request, the assignee must seasonably furnish reasonable proof; until then the account debtor may continue paying the assignor. The section is subject to other law establishing a different rule for an individual’s primarily personal, family, or household obligation, and it excludes specified health-care-insurance receivables. **C022.**\n\nThis UCC rule can matter for commercial receivables, but it remains a payment-direction and assignment-proof rule. It is not a substitute for FDCPA validation and does not require every category of account documentation.\n\n## 5. Wisconsin disputed-status disclosure\n\nWis. Stat. §427.104(1)(f) prohibits a debt collector, during collection of a qualifying consumer-credit or other deferred-payment consumer transaction, from disclosing or threatening to disclose the existence of a debt known to be reasonably disputed without also disclosing the dispute. DFI-Bkg 74.16(7) imposes a parallel restriction on a licensed collection agency. **C023.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16)\n\nThis applies differently from federal validation:\n\n- It can reach an original creditor under chapter 427.\n- It can be relevant outside the federal 30-day validation period.\n- It concerns communicating disputed status.\n- It does not itself prescribe a verification packet or universal collection stop.\n\nDetailed credit-report furnishing, investigation, and FCRA duties remain excluded.\n\n## 6. Licensed collection-agency records and debtor access\n\n## 6.1 Records that must exist\n\nDFI-Bkg 74.07 requires a licensee’s debtor-account record to include, among other things:\n\n- debtor, creditor, forwarder, and forwardee identities and addresses;\n- original listed amount;\n- principal currently owing;\n- last credit or debit date if available;\n- interest, legal costs, and other charges with descriptions;\n- each payment’s date and amount;\n- allocations among amount owing, interest, legal costs, and other charges; and\n- current balance.\n\nThe licensee must provide a receipt when it receives payment unless the payment method otherwise supplies positive evidence. The receipt must identify the licensee, amount and date, creditor or creditors, and collector or receiving person. **C024, C026.**\n\nWis. Stat. §218.04(10)(b) requires collection-agency business records to be preserved for at least **six years**. The statute does not make every internal record automatically available to the debtor. **C025.**\n\n## 6.2 Payment history\n\nFor an open account, or an account paid or settled in full within the preceding 24 months, DFI-Bkg 74.11(8) requires a licensee, after written request, to furnish a written payment history within **ten business days**. It covers only the period during which the licensee had the account and must state:\n\n- debtor and creditor;\n- dates and amounts of payments;\n- allocation to principal, interest, court costs, attorney fees, and other costs; and\n- current balance.\n\nOne history is free in each 12-month period. An additional history may cost no more than **$5**. **C027.**\n\nNo ch. DFI-Bkg 74-specific business-day definition or holiday-counting rule was verified. The separate WCA definition in §421.301(6) expressly governs chapters 421–427 and should not be silently imported into chapter 74. Calendar examples are therefore held.\n\n## 6.3 Paid-or-settled receipt\n\nAfter a debt is paid or settled in full, the licensee must, within ten business days after written request, provide a free written receipt stating that the account has been paid or settled in full. **C028.**\n\n## 6.4 Backup, creditor reports, and account return\n\nDFI-Bkg 74.17 requires record backups but does not itself create a consumer-furnishing right. DFI-Bkg 74.09’s 30-day report is a report to a **creditor or forwarder**, not a debtor-document right. DFI-Bkg 74.10 concerns return or cancellation of accounts between agency and creditor and was not found to require a general consumer notice every time collection placement changes. **C029–C031.**\n\n# C. Federal validation branch\n\n## 1. Federal actor and debt predicates\n\nThe federal branch applies only when:\n\n- the obligation arose primarily from a personal, family, or household transaction; and\n- the actor is a federal “debt collector” under a statutory branch without an applicable exclusion.\n\nOriginal creditors are ordinarily outside the definition, but a creditor using another name suggesting a third person is collecting can be included. A servicer’s status can depend on whether servicing began before default. A debt buyer may be covered by the principal-purpose branch even though *Henson* rejected coverage under the “owed another” branch solely because the debt was in default when purchased. **C032–C033.** [USCode+2](https://uscode.house.gov/us/usc/119-124/t15/s1692a/)\n\n## 2. Initial validation information\n\n### 2.1 Statutory timing\n\nUnder 15 U.S.C. §1692g(a), within five days after the initial communication, a covered debt collector must send the required notice unless:\n\n- the information was already contained in the initial communication; or\n- the consumer paid the debt.\n\nA formal civil pleading and specified tax, privacy, and data-breach notices are excluded from “initial communication” treatment. **C034.** [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692g/)\n\nRegulation F permits the collector to provide the validation information:\n\n- in writing or electronically in the initial communication;\n- in writing or electronically within five days afterward; or\n- orally during the initial communication.\n\nElectronic delivery remains subject to §1006.42 and, for specified notices and responses, E-SIGN §101(c). [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n### 2.2 Required identity and account information\n\nThe current Regulation F validation information includes:\n\n- debt collector’s name and an address accepting disputes and original-creditor requests;\n- consumer’s name and mailing address;\n- for debt related to a consumer financial product or service, the creditor on the itemization date;\n- a recognizable account number, which may be truncated;\n- current creditor;\n- itemization date;\n- amount on that date;\n- interest, fees, payments, and credits since that date;\n- current amount;\n- validation-period end date and rights;\n- dispute and original-creditor-request prompts; and\n- specified CFPB consumer-protection information where applicable.\n\nA collector can use a trade or doing-business-as name when the rule permits, but the current creditor must still be identified clearly enough to satisfy the substantive requirement. **C035–C037.** [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n### 2.3 Itemization date\n\nThe collector may select one of five dates it can support:\n\n1. last statement date;\n2. charge-off date;\n3. last payment date;\n4. transaction date; or\n5. judgment date.\n\nOnce selected for that debt and consumer, the collector must use it consistently in validation information. A later collector may select a different eligible reference date. **C036.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\nAll four itemization fields—interest, fees, payments, and credits—must appear. A field can state zero, none, or that no amount was assessed or applied, but it cannot simply be left blank. **C037.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n### 2.4 Mortgage special rule\n\nWhere a Regulation Z residential-mortgage periodic statement is required, Regulation F permits a specified substitution involving the most recent periodic statement and a cross-reference in the validation notice. This is a federal mortgage-specific branch, not a general Wisconsin statement rule. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n## 3. Validation period and receipt\n\nRegulation F defines the validation period as beginning when validation information is provided and ending 30 days after the consumer receives or is assumed to receive it.\n\nFor written or electronic information, the collector may calculate the disclosed end date using an assumed receipt date at least five days after provision, excluding Saturdays, Sundays, and federal legal public holidays. The collector may continue using that calculated date even if it later learns the consumer received the notice on a different date. If the first notice was not received and a later notice is sent, the later notice receives a recalculated validation period. **C038.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\nThis is not the ordinary limitations period on the debt. It is a procedural validation window.\n\n## 4. Oral versus written disputes\n\n### 4.1 Oral or otherwise nonwritten contact\n\nSection 1692g(a)(3) and Regulation F require the notice to explain that, unless the consumer **contacts** the collector by the validation-period end date to dispute validity, the collector will assume the debt valid. Contact need not be written for that limited nonassumption effect. **C039.** [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692g/)\n\nAn oral dispute does not ordinarily trigger:\n\n- §1692g(b)’s collection pause;\n- mandatory verification;\n- or the original-creditor-information response.\n\nIt can still matter under Wisconsin disputed-status law, other FDCPA provisions, and the collector’s knowledge.\n\n### 4.2 Timely written dispute\n\nA dispute submitted in writing within the validation period requires the collector to stop collection of the disputed debt or disputed portion until it sends:\n\n- a copy of verification; or\n- a copy of a judgment.\n\nThe pause is limited to the disputed portion when only part is disputed. **C040.** [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692g/)\n\nA qualifying electronic submission counts as “in writing” if it is sent through an electronic medium through which the collector accepts consumer communications. Examples include an accepted email address or portal. **C049.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\n### 4.3 Timely original-creditor request\n\nA written request within the validation period requires cessation until the collector sends the original creditor’s name and address. If original and current creditor are the same, Regulation F permits a written or electronic notice of that fact with reference to the previously supplied validation information. **C041.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\nThis is different from:\n\n- asking an original creditor for an account statement under §422.306;\n- asking an assignee for proof of assignment under §422.409; and\n- demanding a complete chain of title.\n\n### 4.4 Later dispute\n\nA dispute submitted after the validation period does not trigger §1692g(b)’s automatic pause and verification process. It may still implicate:\n\n- Wisconsin disputed-status disclosure;\n- DFI-WCA 1.36 if it is a qualifying written bill/statement inquiry;\n- other FDCPA prohibitions;\n- account-specific contract or sector law; or\n- later credit-reporting duties, which are excluded here.\n\n**C042.**\n\nFailure to dispute during the validation period is not a legal admission of liability. **C043.** [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692g/)\n\n## 5. Verification standard and restart\n\nThe Seventh Circuit’s controlling *Walton v. EOS CCA* decision holds that §1692g verification ordinarily confirms in writing that:\n\n- the collector’s demand accurately transmits the creditor’s claim; and\n- the amount demanded is what the creditor claims is owed.\n\nThe collector is not required by §1692g alone to conduct an adjudicative investigation into whether the creditor ultimately deserves the money. On the facts there, checking the records and sending identity, creditor, and amount information was sufficient despite an account-number transposition that later enabled a more precise dispute. **C052–C053.** [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display)\n\nAccordingly, federal verification does not universally require:\n\n- the original signed contract;\n- every periodic statement;\n- a complete assignment chain;\n- an affidavit;\n- a bill of sale;\n- a creditor witness;\n- admissible trial evidence; or\n- proof sufficient for a later judgment.\n\nAnother law may require a particular document, and a sparse or inaccurate response can implicate other provisions. But those conclusions must be tied to the right actually invoked.\n\nIn *Jang v. A.M. Miller & Associates*, the Seventh Circuit recognized that a collector may stop collection instead of verifying. Section 1692g does not force a collector to continue pursuing a debt. If collection later resumes, the applicable pause condition must first be satisfied. Stopping does not itself erase the debt. **C057.** [FindLaw](https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html)\n\n## 6. Duplicative disputes\n\nA later dispute is “duplicative” only where:\n\n- it is substantially the same as an earlier timely written dispute already answered; and\n- it contains no new and material information.\n\nA cancelled check offered after an earlier bare denial is the CFPB’s example of new and material information. **C044–C045.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/)\n\nFor a qualifying duplicative dispute, the collector still must pause until it either:\n\n- sends verification or a judgment; or\n- sends a duplicative-dispute notice briefly explaining the determination and identifying the date of its earlier response.\n\nA collector cannot label every repeated communication “frivolous” or “duplicative” merely because it relates to the same account.\n\n## 7. Overshadowing and the model form\n\nCollection may continue during the validation period before a timely written trigger, but the activity cannot overshadow or be inconsistent with the validation rights. *Bartlett v. Heibl* found a problem where a shorter payment-or-lawsuit demand was not reconciled with the statutory 30-day dispute period. **C056.** [Justia Law](https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/)\n\nModel Form B-1 provides a limited safe harbor for the Regulation F information and form requirements when used as prescribed or in a substantially similar form. It is **not**:\n\n- the only lawful notice format;\n- a safe harbor for an incorrect balance or creditor;\n- a substitute for delivery;\n- proof that the sender is a covered or authorized collector;\n- a safe harbor for unrelated deceptive conduct; or\n- an enactment of Wisconsin law.\n\n**C046.** [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/)\n\n## 8. Electronic delivery\n\nA collector sending required disclosures electronically must use a method reasonably expected to provide actual notice and a form the consumer can keep and access later. Undeliverability prevents reliance on that delivery attempt. For the validation notice and specified dispute/original-creditor responses, §1006.42 requires compliance with E-SIGN §101(c). **C047–C048.** [Consumer Financial Protection Bureau+2](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/)\n\nE-SIGN ordinarily requires:\n\n- affirmative consumer consent;\n- advance disclosure of paper-copy and withdrawal rights;\n- disclosure of hardware and software requirements;\n- electronic consent or confirmation demonstrating access; and\n- continued accessibility.\n\nNo person is generally required to agree to electronic records. A general electronic-signature principle does not authorize unrestricted delivery by any email address or portal.\n\n*Lavallee v. Med-1 Solutions* held, under pre-Regulation F facts, that emails from an unknown sender containing only a multistep route to a hosted PDF neither conveyed debt information nor themselves contained the statutory validation disclosures. Current electronic delivery is governed by Regulation F and §1006.42, but *Lavallee* remains instructive that merely providing a digital pathway is not necessarily the same as supplying the required notice. **C054.** [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019%2FD08-08%2FC%3A17-3244%3AJ%3ASykes%3Aaut%3AT%3AfnOp%3AN%3A2381328%3AS%3A0&Submit=Display)\n\nA consumer, by contrast, may satisfy the “in writing” dispute requirement electronically through a medium that the collector accepts for consumer submissions. That consumer-submission rule should not be confused with the collector’s E-SIGN obligations when delivering required disclosures.\n\n## 9. Federal records\n\nRegulation F requires a collector to retain records that evidence compliance or noncompliance from the start of collection activity until three years after its last collection activity on the debt. Copies of validation notices, dispute responses, and delivery records are examples. Recorded calls, where calls are recorded, must be retained for three years from the call. **C050.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/100/)\n\nThe rule does not itself require:\n\n- recording every call;\n- creating an original contract that the collector never possessed;\n- manufacturing a complete assignment chain;\n- preserving every creditor record indefinitely; or\n- furnishing every retained compliance record to the consumer.\n\nRetention and consumer production are different legal questions.\n\n## 10. Federal preservation of Wisconsin law\n\nRegulation F and the FDCPA preserve state requirements except to the extent of actual inconsistency. A state rule giving greater protection is not inconsistent merely because it is more protective. Thus, a covered collector may have to satisfy the federal notice and pause process **and** Wisconsin assignment, account-history, inquiry-response, or disputed-status requirements. **C051.** [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/104/)\n\n# D. Consolidated actor/event/document/pause matrix\n\n| Event or request | Governing actor | Trigger and form | Required response or document | Deadline | Collection effect | What it does **not** establish |\n| --- | --- | --- | --- | --- | --- | --- |\n| Initial copy of signed transaction documents | Qualifying WCA creditor | Customer signs obligation document | Exact copy of each signed obligation document | Before any payment due | No express collection pause | Later collector must resend it |\n| Later contract-copy demand | Qualifying WCA creditor | Demand within §422.303 retention period | Retained signed writing and signed proposals; first copy free | No numeric furnishing deadline stated | No express pause | Indefinite retention |\n| Natural-person obligor copy | Qualifying creditor | Personal liability under §422.305 | Required copies or statutory explanation; free signed-document copy | As specified by provision | No express pause | Universal third-party validation |\n| Cash-payment receipt | Qualifying WCA creditor | Cash or payment lacking inherent evidence | Written receipt | At payment/no separate numeric period | None | Full ledger |\n| Closed-end statement request | Qualifying WCA creditor | Written customer request | Payment dates/amounts, charges, unpaid balance | No number in §422.306 | None | Signed contract or assignment chain |\n| Open-end statement request | Qualifying WCA creditor | Written request | Prior 12 months’ credit/purchases/payments and unpaid balance | No number in §422.306 | None | Every statement since opening |\n| Written bill/statement question | Merchant or notified assignee | Customer/authorized representative writes; exception for payment-instrument placement | Specific response to issue or dispute | 30 days after receipt; open-end two complete cycles, max 90 days | Debt reasonably disputed until response; no express general pause | Federal verification packet |\n| Consumer-credit assignment request | Assignee | Customer requests proof after assignment notice/payment direction | Reasonable proof assignment occurred | “Seasonably”; no fixed number | Until proof, customer may pay assignor | Debt invalid; complete chain always required |\n| UCC assignment proof | Assignee of account/chattel paper/payment intangible | Account debtor requests proof | Reasonable proof assignment | “Seasonably” | Until proof, payment to assignor can discharge | General consumer validation |\n| Licensed-agency payment receipt | Wisconsin licensee | Payment received without other positive evidence | Receipt identifying licensee, payment, creditor, receiving person | At receipt | None | Account ownership |\n| Licensed-agency payment history | Wisconsin licensee | Written request for open or recently closed account | History for agency’s possession period and current balance | Ten business days | No express pause | Originator’s full history |\n| Paid/settled receipt | Wisconsin licensee | Written request after full payment/settlement | Free written paid-or-settled receipt | Ten business days | None | Release of every third-party claim |\n| State disputed-status rule | Ch. 427 collector or ch. 74 licensee | Collector knows debt is reasonably disputed | Disclose dispute when disclosing or threatening disclosure | While known dispute exists | No general validation pause | FCRA investigation |\n| Federal initial validation | Covered federal debt collector | Initial communication | Regulation F validation information | Initial communication or within five days; paid-debt exception | Collection can continue if not otherwise unlawful | Debt’s merits adjudicated |\n| Federal oral dispute | Covered federal debt collector | Consumer contacts collector by end date | Prevents collector’s assumption of validity | Validation period | No §1692g(b) pause by itself | Mandatory verification |\n| Federal timely written dispute | Covered federal debt collector | Written/accepted electronic dispute within validation period | Verification or judgment | No fixed response time; collection remains paused until response | Pause on disputed debt/portion | Original signed contract automatically required |\n| Federal original-creditor request | Covered federal debt collector | Written/accepted electronic request within validation period | Original creditor name/address, or same-creditor notice | No fixed response time; collection paused | Entire-debt collection pause until response | Assignment proof |\n| Federal late dispute | Covered federal debt collector | After validation period | No §1692g automatic response/pause | — | Other laws can still apply | Admission or waiver of all defenses |\n| Federal duplicative dispute | Covered federal debt collector | Same prior timely dispute, already answered, no new/material information | Verification or reasoned duplicate notice referencing prior response | Collection paused until one response is sent | Limited restart route | Permission to ignore new evidence |\n| Electronic validation notice | Covered federal debt collector | Electronic delivery | Actual-notice-capable, retainable form; E-SIGN compliance | Same validation timing | Invalid delivery can prevent notice compliance | Mere hyperlink always sufficient |\n| Successor collector | New covered actor | Its own initial communication | Its own applicable validation information; eligible itemization date | Federal timing starts from its qualifying event | Own pause duties after qualifying request | Automatic transfer of every predecessor dispute or record |\n\n# E. Required records versus required production\n\n| Record or information | Legally required to exist or be retained | Legally required to be furnished on qualifying request | Initial-notice content | Merely prudent to request unless another law applies |\n| --- | --- | --- | --- | --- |\n| Signed obligation document | Creditor retention under §422.303 for limited period | Yes under §§422.303/.305 when predicates exist | Not ordinarily under federal validation | — |\n| Original wet-ink contract | No universal original-form requirement verified | No universal production right | No | Often prudent, but not automatically required |\n| Account payment dates and amounts | Creditor and licensed-agency records as applicable | Yes under §422.306 or ch. 74 history rule | Federal notice uses post-itemization aggregate payments | — |\n| Principal/current balance | Licensed-agency record; creditor accounting duties | Included in applicable statements/history | Federal current amount required | — |\n| Interest and fee ledger | Licensed-agency record requires described charges; other creditor duties may apply | Ch. 74 history allocates specified categories; §422.306 states charges imposed | Federal aggregate interest/fees since itemization date | Detailed transaction-by-transaction ledger may be prudent beyond the express disclosure |\n| Credits and adjustments | Licensed agency must maintain account entries; federal compliance evidence retained | Not universally item-by-item under Wisconsin request provisions | Federal aggregate credits since itemization date | Full adjustment log may be prudent |\n| Current creditor | Necessary for federal notice | Original-creditor request is separate | Yes | — |\n| Original creditor | Records may identify it | Federal timely written request; state transaction documents may show it | Not always mandatory unless rule’s specific field applies | — |\n| Assignment notice | Assignee should retain evidence of compliance | Customer receives notice; proof available on request | Separate from federal validation | — |\n| Reasonable proof of assignment | Must be available if assignee wants to redirect payment after request | Yes, “seasonably,” under §§422.409/409.406 | No universal federal field | Full chain may be prudent but is not automatically required |\n| Complete chain of title | No universal prelitigation retention/production duty verified | No universal right verified | No | Often prudent where ownership is genuinely disputed |\n| Bill of sale and account schedule | No universal prelitigation production rule | Could form reasonable proof depending facts; not categorically required | No | Prudent where assignment identity is disputed |\n| Collector authority or servicing agreement | No universal consumer-production duty verified | No universal right verified | Collector identity/address required federally | Prudent where authority is disputed |\n| Prior disputes and responses | Reg F compliance records; state licensee records may capture communications | No universal transfer or furnishing right found | No | Prudent for successor review |\n| Collection-agency payment history | Ch. 74 requires account record | Yes for agency possession period | No | — |\n| Trial-ready admissible evidence | Litigation rules may later require | Not established in this prelitigation pass | No | Separate litigation-proof pass |\n\nThe governing distinction is critical: a record can be required to exist without being consumer-accessible, required to be furnished without having to satisfy trial admissibility, or useful in litigation without being mandatory federal verification.\n\n# F. Transfer and successor-collector findings\n\nNo universal Wisconsin provision was located requiring every seller, creditor, debt buyer, or collection agency to transfer the entire dispute file to every successor collector. The bounded review included §§422.409 and 409.406, chapter 427, §218.04, and relevant DFI-WCA and DFI-Bkg rules.\n\nWhat is established:\n\n1. A new payment-right assignee can need §422.409 notice and must seasonably provide reasonable assignment proof on request.\n2. A merchant or assignee that has given §422.409 notice can be subject to DFI-WCA 1.36 for later written bill/statement questions.\n3. A predecessor licensed agency must retain its own business records for at least six years.\n4. A new licensed agency must create and maintain its own required account record.\n5. A covered successor federal collector has its own initial-validation analysis and may select a different eligible Regulation F itemization date.\n6. A federal collector must retain its own compliance evidence for the Regulation F period.\n7. State disputed-status rules can apply where the actor knows or has reason to know of the dispute.\n\nWhat remains unresolved:\n\n- whether and when a predecessor’s federal validation pause binds a later collector;\n- whether a particular transfer contract requires dispute-data transfer;\n- whether an assignee’s “reasonable proof” must show one assignment or an entire multistep chain;\n- whether a successor’s actual or constructive knowledge follows from particular portfolio data;\n- consequences of knowingly stripping dispute flags before transfer; and\n- credit-reporting transfer duties.\n\nNo “clean slate” rule and no universal inherited-pause rule is inferred.\n\n# G. Controlling and material decisions\n\n| Authority | Court, posture, and status | Narrow holding used here | Limits |\n| --- | --- | --- | --- |\n| ***Walton v. EOS CCA*, 885 F.3d 1024 (7th Cir. 2018)** | Published Seventh Circuit decision affirming summary judgment for collector | Federal verification confirms the collector accurately conveys the creditor’s claimed debtor, creditor, and amount; it is not an adjudication of the creditor’s entitlement | Other statutes or a materially different response can require more |\n| ***Lavallee v. Med-1 Solutions, LLC*, 932 F.3d 1049 (7th Cir. 2019)** | Published Seventh Circuit decision affirming summary judgment for consumer | Unknown-sender emails providing a multistep route to a hosted PDF did not themselves convey or contain the required notice | Predated current Regulation F; present electronic delivery is governed by §1006.42 and E-SIGN |\n| ***Janetos v. Fulton Friedman & Gullace, LLP*, 825 F.3d 317 (7th Cir. 2016)** | Published Seventh Circuit decision reversing defense summary judgment and directing liability determination | Validation notice must identify the current creditor clearly; merely placing an entity’s name in ambiguous “assignee/transfer” language was insufficient | Does not prescribe one mandatory wording for every notice |\n| ***Bartlett v. Heibl*, 128 F.3d 497 (7th Cir. 1997)** | Published Seventh Circuit decision reversing collector-favorable judgment | Short payment/litigation demands can overshadow validation rights unless their interaction is explained | Current Regulation F supplies additional form and safe-harbor rules |\n| ***Jang v. A.M. Miller & Associates*, 122 F.3d 480 (7th Cir. 1997)** | Published Seventh Circuit merits decision | Collector may cease collection rather than produce verification; federal law does not force continued pursuit | Collection may not restart without satisfying the applicable pause condition |\n| ***Henson v. Santander Consumer USA Inc.*, 582 U.S. 79 (2017)** | U.S. Supreme Court merits decision | Owner of purchased debt is not covered merely under the “owed another” prong because the debt was in default when acquired | Court did not decide principal-purpose coverage |\n| ***Rsidue, LLC v. Michaud*, 2006 WI App 164** | Published Wisconsin Court of Appeals decision | Debt purchaser that did not extend, arrange, or procure consumer credit was not a WCA “creditor” for §425.109’s pleading requirement | Does not decide all “merchant,” assignee, §422.409, DFI-WCA 1.36, chapter 427, or federal duties |\n| **DFI-WCA 1.36** | Current administrative rule; no controlling published appellate construction located | Written bill/statement question receives specific response within stated period and becomes reasonably disputed until response | No express universal collection pause or mandatory document packet |\n| **Wisconsin DFI debt-dispute guidance** | Current public regulator guidance, not a merits adjudication | Describes the 30-day federal validation workflow and examples of possible verification materials | Does not transform federal requirements into independent state law or require the most extensive listed document in every case |\n\n### *Walton*\n\nThe Seventh Circuit’s relevant reasoning appears at printed opinion pages 4–5, zero-based PDF indexes 3–4. It held that §1692g is a check on the collector’s accurate transmission of the creditor’s demand rather than a mandatory merits investigation of the creditor. [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display)\n\n### *Janetos*\n\nThe collector’s letter called one entity an “assignee” and said the account had been “transferred,” but did not clearly say that entity was the current creditor. The court held that a consumer need not supply outside survey evidence where a statutorily required identity disclosure is simply missing or unclear. [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016%2FD04-07%2FC%3A15-1859%3AJ%3AHamilton%3Aaut%3AT%3AfnOp%3AN%3A1733811%3AS%3A0&Submit=Display)\n\n### *Rsidue*\n\nThe debt buyer purchased an overdue credit-card account and sued. The court concluded that buying and enforcing already-created debt did not itself make the buyer a “creditor” under §421.301(16) for the pleading provision at issue. It expressly analyzed a particular statutory noun and should not be expanded into a holding that assignees are outside all Wisconsin Consumer Act provisions. [Wisconsin Court System+2](https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885)\n\n### Bounded negative appellate search\n\nTargeted public searches did not locate a published controlling Wisconsin appellate opinion defining:\n\n- “seasonably” or “reasonable proof” under §422.409;\n- the exact documents that always satisfy §422.409;\n- the sufficiency of a DFI-WCA 1.36 response;\n- electronic “in writing” treatment under DFI-WCA 1.36;\n- a universal state validation notice; or\n- a universal successor-dispute-transfer duty.\n\nThat is a bounded public-search result, not proof that no unpublished order, circuit-court ruling, historical DFI letter, or nonindexed administrative decision exists. No paid citator, trial-docket database, or comprehensive historical DFI order archive was accessed.\n\n# H. Worked workflows and examples\n\n## Example 1 — Original creditor account statement versus federal validation\n\n### Facts\n\n- A Wisconsin consumer entered a qualifying closed-end consumer-credit transaction.\n- The original creditor still owns the account.\n- The consumer sends a written request for an account statement.\n- The creditor is collecting in its own name.\n\n### Applicable state branch\n\nUnder §422.306(2), the statement must identify:\n\n- dates and amounts of payments received;\n- charges imposed; and\n- unpaid balance.\n\nNo numeric response deadline appears in §422.306 itself.\n\nIf the writing specifically questions an existing bill or statement, DFI-WCA 1.36 can add:\n\n- a specific response to the issue raised; and\n- a 30-day-from-receipt deadline.\n\n### Federal branch\n\nThe original creditor ordinarily is not subject to §1692g merely because it collects its own account.\n\n### Not automatically required\n\n- full assignment chain, because there has been no assignment;\n- federal validation notice;\n- original signed contract, unless the separate §§422.303/.305 copy right remains available;\n- collection pause.\n\n**Claims:** C003, C008–C017, C032.\n\n## Example 2 — Written question under DFI-WCA 1.36\n\n### Facts\n\nA customer writes:\n\nThe statement credits only $100 of my $250 payment. Please explain the $150 difference.\n\nThe merchant receives it on Day R.\n\n### Relative timeline\n\n- Trigger: receipt on **R**.\n- Ordinary closed-end response deadline: **R + 30 days**, subject to any controlling counting rule not established here.\n- Open-end alternative: no later than two complete billing cycles after R, and never later than R + 90 days.\n- Disputed-status interval: from notice to merchant until merchant’s response.\n\n### Required response\n\nThe response must specifically address the $150 discrepancy. A generic statement that “our records are correct” may raise sufficiency concerns, but no controlling Wisconsin appellate standard was located.\n\n### Collection consequence\n\nThe rule does not expressly require collection to stop. If a federally covered collector is also involved and receives a timely written federal dispute, that separate pause can apply.\n\n**Claims:** C012–C017.\n\n## Example 3 — Oral versus written federal dispute\n\n### Oral dispute during validation period\n\nThe consumer calls and says the balance is wrong.\n\n- The collector cannot rely on silence to assume the debt valid.\n- The call does not ordinarily trigger §1692g(b)’s mandatory pause and verification.\n- The collector’s knowledge of the dispute can affect state disputed-status disclosures and other law.\n\n### Written dispute during validation period\n\nThe consumer sends the same dispute by mail or through an accepted electronic channel.\n\n- Collection of the disputed amount must stop.\n- The collector may restart only after sending verification or a judgment, or using the limited duplicative-dispute response where applicable.\n\n### Written dispute after validation period\n\n- No automatic §1692g(b) pause.\n- No legal admission results from the delay.\n- State bill/statement inquiry or disputed-status rules may independently apply.\n\n**Claims:** C039–C045.\n\n## Example 4 — Original-creditor information request is not assignment proof\n\n### Facts\n\nA covered third-party collector identifies Current Owner LLC. The consumer timely writes:\n\nPlease identify the original creditor.\n\n### Federal response\n\nThe collector must stop collection until it sends the original creditor’s name and address, or properly explains that current and original creditor are the same.\n\n### What that response need not automatically include\n\n- bill of sale;\n- assignment schedule;\n- complete chain of title;\n- original agreement;\n- full payment ledger.\n\n### Separate Wisconsin request\n\nIf the transaction is a qualifying consumer-credit assignment, a request under §422.409 seeks **reasonable proof of assignment**, which is a different right and consequence.\n\n**Claims:** C018–C022, C041.\n\n## Example 5 — Assignment proof\n\n### Facts\n\n- Creditor A assigns a qualifying consumer-credit obligation to Owner B.\n- B sends a payment-direction notice.\n- The consumer asks B to prove the assignment.\n\n### Required sequence\n\n1. B’s notice must reasonably identify the assigned rights and contain the required §422.409 information.\n2. B must seasonably furnish reasonable proof.\n3. Until it does, the consumer may pay A.\n\n### Held issues\n\nThe current statute does not supply:\n\n- a fixed day count;\n- a universal proof form;\n- a mandatory complete A-to-B-to-C chain;\n- a collection pause;\n- or debt cancellation.\n\nActual proof sufficiency requires the notice, assignment structure, and available records.\n\n**Claims:** C018–C022.\n\n## Example 6 — Licensed collection-agency payment history\n\n### Facts\n\n- A Wisconsin licensee has held an account for 14 months.\n- The debtor submits a written payment-history request.\n- The originator held the account for three years before placement.\n\n### Licensee’s response\n\nWithin ten business days, the agency must provide the history for the **14 months it had the account**, including:\n\n- dates and amounts paid;\n- specified allocation categories;\n- creditor and debtor;\n- current balance.\n\nIt does not have to reconstruct the creditor’s earlier three-year history under this rule. The debtor may have a separate §422.306 right against a qualifying creditor.\n\nNo calendar date is calculated because the applicable chapter 74 business-day counting and holiday rule was not verified.\n\n**Claims:** C024–C028.\n\n## Example 7 — Successor collector\n\n### Facts\n\nCollector 1 sent a validation notice using the charge-off date. The account is later placed with Collector 2.\n\n### Collector 2\n\nIf Collector 2 is independently a covered debt collector and has an initial communication, its own Regulation F analysis applies. It may choose another eligible itemization date, such as the last statement date, but must use its selected date consistently.\n\n### Dispute file\n\nNo universal Wisconsin rule located here says Collector 1 must transfer every dispute document. Nor was a universal rule located saying Collector 2 automatically inherits or escapes Collector 1’s pause.\n\n### Evidence to retain or obtain\n\n- placement and return dates;\n- current owner;\n- prior validation notice;\n- prior dispute and response;\n- successor’s itemization date;\n- account ledger;\n- knowledge supplied to successor;\n- ownership and servicing documents.\n\n**Claims:** C031, C036, C050.\n\n## Example 8 — Electronic validation delivery\n\n### Facts\n\nThe collector emails only:\n\nYou have a secure message. Click here.\n\nThe link requires several screens before the consumer can download a PDF.\n\n### Result\n\n- Under *Lavallee*, the pre-Regulation F emails there did not themselves contain or convey the disclosures.\n- Under current law, the collector must also satisfy §1006.42’s actual-notice, retainability, undeliverability, and E-SIGN conditions.\n- An unexplained portal route is not automatically valid.\n- A properly consented electronic notice with the required content and accessible retention can be valid.\n\n### Consumer submission\n\nIf the collector’s notice states that disputes are accepted through a particular portal or email address, a consumer submission through that accepted channel can qualify as written.\n\n**Claims:** C047–C049, C054.\n\n## Example 9 — Federal itemization arithmetic\n\n### Hypothetical inputs\n\n- Amount on selected itemization date: **$1,200.00**\n- Interest since itemization date: **+$36.00**\n- Fees since itemization date: **+$25.00**\n- Payments since itemization date: **−$200.00**\n- Credits since itemization date: **−$50.00**\n\n### Calculation\n\n$1,200.00+$36.00+$25.00−$200.00−$50.00=$1,011.00\\$1{,}200.00+\\$36.00+\\$25.00-\\$200.00-\\$50.00=\\$1{,}011.00$1,200.00+$36.00+$25.00−$200.00−$50.00=$1,011.00### Validation notice presentation\n\n- Itemization-date amount: $1,200.00\n- Interest: $36.00\n- Fees: $25.00\n- Payments: $200.00\n- Credits: $50.00\n- Current amount: **$1,011.00**\n\nValues are shown to cents and rounded only at the final cent. No alternative Regulation F rounding rule was located.\n\n### Legal limits\n\nThe arithmetic does not prove:\n\n- that the $36 interest was authorized;\n- that the $25 fee was authorized;\n- that the starting amount was correct;\n- that the collector owns the debt;\n- that every payment was included; or\n- that the debt is enforceable.\n\nThose are separate source, contract, account, and legal questions.\n\n**Claims:** C035–C037.\n\n## Example 10 — Model Form B-1\n\n### Scenario A\n\nThe collector uses an unchanged Model Form B-1 with accurate facts and delivers it properly.\n\n- The collector receives the specified information-and-form safe harbor.\n- Delivery, actor status, debt coverage, balance accuracy, and unrelated conduct remain separate.\n\n### Scenario B\n\nThe collector uses the model form but identifies the wrong current creditor.\n\n- The form’s appearance does not cure the inaccurate creditor identity.\n- *Janetos* requires clear identification of the current creditor.\n\n### Scenario C\n\nThe collector uses a different clear notice containing all required information.\n\n- Absence of the model form does not itself establish a violation.\n- The collector simply lacks the model-form safe harbor.\n\n**Claims:** C035, C046, C055.\n\n## Example 11 — Collector stops instead of verifying\n\n### Facts\n\nA covered collector receives a timely written dispute but cannot obtain reliable verification.\n\n### Permissible bounded response\n\nThe collector can cease collection rather than send inadequate material.\n\n### Consequences\n\n- It cannot resume collection without satisfying the federal restart condition.\n- Stopping does not adjudicate or extinguish the debt.\n- The owner may retain whatever rights other law permits.\n- A successor’s obligations require a separate analysis.\n\n**Claims:** C040, C057, C062.\n\n# I. Source register\n\n**Access-date convention:** Every row was accessed or attempted on **October 26, 2026 Pacific / October 26, 2026 UTC**. “Fresh” means newly read for PASS-03 rather than adopted from PASS-01 or PASS-02.\n\n| Source ID | Title, issuer, and full literal direct URL | Exact pinpoint, version, and legal status | Access status and limits |\n| --- | --- | --- | --- |\n| **S_WI-P03-S001** | Wisconsin statute currentness and 2025 Wis. Act 105. https://docs.legis.wisconsin.gov/document/statutes/1.01 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2 | Current compilation through 2025 Act 247; Act 105 §1 amends §421.202(6); §2 effective Jan. 1, 2027 | **Fresh official check.** Current/future distinction verified. [Wisconsin Legislative Documents+2](https://docs.legis.wisconsin.gov/document/statutes/1.01) |\n| **S_WI-P03-S002** | Wis. Stat. §421.201, territorial application. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/ | §421.201, including in-state transactions and ch. 427 collection contacts | **Official full page failed; current 2025 text freshly read from access copy.** No later amendment located. |\n| **S_WI-P03-S003** | Wis. Stat. §421.301, general definitions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/ | §421.301(6), (10), (13), (16), (17), (25), (28) | **Official integrated page failed; current 2025 text freshly read.** [Justia Law+1](https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/) |\n| **S_WI-P03-S004** | Wis. Stat. §421.202, exclusions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/ | §421.202(1), (2), (6), (7), (10); current $25,000; future Act 105 $50,000 | **Official integrated page failed; current text and future act freshly checked.** [Justia Law+1](https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/) |\n| **S_WI-P03-S005** | Wis. Stat. §422.302, General requirements and provisions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-302/ | §422.302(1)–(3), especially (3) exact copy before payment due | **Official locator/search freshly checked; access copy freshly read. Current.** [Wisconsin Legislative Documents+1](https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302/3) |\n| **S_WI-P03-S006** | Wis. Stat. §422.303, Form requirements other than open-end or discount. Official: https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-303/ | §422.303(3)–(5), especially retention and copy demand in (5) | **Official locator returned search text but full page failed; current access copy freshly read.** [Wisconsin Legislative Documents+1](https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section) |\n| **S_WI-P03-S007** | Wis. Stat. §422.305, Notice to obligors. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/305 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-305/ | §422.305(1)–(2), natural-person personal liability and copy right | **Official full page failed; current access copy freshly read.** [Wisconsin Legislative Documents+1](https://docs.legis.wisconsin.gov/document/statutes/422.305%282%29) |\n| **S_WI-P03-S008** | Wis. Stat. §422.306, Receipts; accounting; evidence of payment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/306 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/ | §422.306(1)–(4) | **Official integrated route failed; current 2025 text freshly read.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/) |\n| **S_WI-P03-S009** | Wis. Stat. §422.308, Open-end credit disclosures. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/308 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/ | §422.308(1)–(2), Wisconsin-resident application/entry disclosures | **Current access copy freshly read; official full-page read not completed.** Initial disclosure only. [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/) |\n| **S_WI-P03-S010** | Wis. Admin. Code DFI-WCA 1.36. Official: https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_wca/1/36/_1?down=1 Access copy: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36 | Complete rule; effective July 1, 1973; amended effective Nov. 1, 1980; current rule history checked | **Official direct page timed out; current rule reproduction freshly read in full.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36) |\n| **S_WI-P03-S011** | Wis. Stat. §422.409, Notice of assignment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iv/409 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/ | §422.409(1)–(2), payment direction, notice content, reasonable proof | **Official full page failed; current 2025 text freshly read.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/) |\n| **S_WI-P03-S012** | DFI-WCA 1.37 and 1.371. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-37 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-371 | Joint-obligor assignment notice and last-address rule | **Fresh full rule read from current reproduction; official integrated routes not successfully read.** |\n| **S_WI-P03-S013** | Wis. Stat. §409.406, Account debtor’s discharge; notification of assignment; proof. Official: https://docs.legis.wisconsin.gov/statutes/statutes/409/vi/406 Access copy: https://law.justia.com/codes/wisconsin/chapter-409/section-409-406/ | §409.406(1)–(3), (8) | **Current 2025 text freshly read; official integrated page not successfully retrieved.** |\n| **S_WI-P03-S014** | Wis. Stat. §218.04, Collection agencies. Official: https://docs.legis.wisconsin.gov/statutes/statutes/218/iii/04 Access copy: https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/ | §218.04(10)(b), six-year business-record preservation | **Fresh read for this narrow provision; official integrated page failed.** [Justia Law](https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/) |\n| **S_WI-P03-S015** | DFI-Bkg 74.07, Books and records. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07 | Entire rule: debtor ledger fields and receipts | **Fresh current-rule reproduction read; official integrated chapter failed.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07) |\n| **S_WI-P03-S016** | DFI-Bkg 74.11, General. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11 | Subsections (7)–(8), paid/settled receipt and payment history | **Fresh current-rule reproduction read; official integrated route failed.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11) |\n| **S_WI-P03-S017** | DFI-Bkg 74.09, 74.10, and 74.13. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-09 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-10 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-13 | Creditor/forwarder report; return/cancellation; separate Wisconsin license notice | **Fresh current-rule reproductions read.** 74.13 is not a state validation notice. |\n| **S_WI-P03-S018** | DFI-Bkg 74.16 and 74.17. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-17 | §74.16(7), disputed status; §74.16(9g)/(9m), other law; §74.17 backup | **Fresh current-rule reproduction read.** [Legal Information Institute](https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16) |\n| **S_WI-P03-S019** | Wis. Stat. §427.104, Prohibited practices. Official: https://docs.legis.wisconsin.gov/statutes/statutes/427/104 Access copy: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/ | §427.104(1)(f), reasonably disputed debt disclosure | **Current access copy freshly read; official integrated page failed.** |\n| **S_WI-P03-S020** | Wisconsin DFI public guidance. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DisputingDebt.aspx https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/DisputedDebtFactSheet.aspx https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DebtCollectionGeneralPractices.aspx | Federal 30-day validation workflow; examples of verification; state dispute-status discussion | **Fresh official guidance read. Current operational guidance, not enacted rule or merits order.** |\n| **S_WI-P03-S021** | 15 U.S.C. §1692a, FDCPA definitions. https://uscode.house.gov/us/usc/119-124/t15/s1692a/ | §1692a(3), (5), (6); laws through Pub. L. 119-124, Oct. 15, 2026 | **Fresh official current U.S. Code read.** |\n| **S_WI-P03-S022** | 15 U.S.C. §1692g, Validation of debts. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ | §1692g(a)–(e); laws through Pub. L. 119-124 | **Fresh official current U.S. Code read in full.** [USCode+1](https://uscode.house.gov/us/usc/119-124/t15/s1692g/) |\n| **S_WI-P03-S023** | Regulation F §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ | §1006.34(a)–(d) and official comments to 34(b)(3), 34(b)(5), 34(c), 34(d) | **Fresh official current regulation and commentary read.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/34/) |\n| **S_WI-P03-S024** | Regulation F §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ | §1006.38(a)–(d) and official comments on writing, duplication, new/material information | **Fresh official current regulation and commentary read.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/38/) |\n| **S_WI-P03-S025** | Regulation F §1006.42 and E-SIGN §101. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ https://uscode.house.gov/us/usc/119-124/t15/s7001/ | §1006.42(a)–(b); 15 U.S.C. §7001(b)–(e) | **Fresh official current regulation and U.S. Code read.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/42/) |\n| **S_WI-P03-S026** | Regulation F §§1006.100 and 1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/100/ https://www.consumerfinance.gov/rules-policy/regulations/1006/104/ | Record retention and relation to state law, including official commentary | **Fresh official current regulation read.** [Consumer Financial Protection Bureau+1](https://www.consumerfinance.gov/rules-policy/regulations/1006/100/) |\n| **S_WI-P03-S027** | Regulation F Appendix B, Model Form B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/ | Appendix B, B-1; current version | **Fresh official current appendix read.** Form image identified; safe-harbor scope read through §1006.34. [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/rules-policy/regulations/1006/b/) |\n| **S_WI-P03-S028** | *Walton v. EOS CCA*, 885 F.3d 1024 (7th Cir. 2018). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018/D03-21/C:17-3040:J:Barrett:aut:T:fnOp:N:2126666:S:0&Submit=Display | Printed opinion pp. 4–5; zero-based PDF indexes 3–4; published, 8-page official PDF | **Fresh official PDF read; relevant pages visually inspected. Current precedential status not shown as vacated.** [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display) |\n| **S_WI-P03-S029** | *Lavallee v. Med-1 Solutions, LLC*, 932 F.3d 1049 (7th Cir. 2019). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019/D08-08/C:17-3244:J:Sykes:aut:T:fnOp:N:2381328:S:0&Submit=Display | Printed pp. 2–5 and later analysis; zero-based PDF indexes 1–4 and 11–12; published, 14-page official PDF | **Fresh official PDF read; relevant pages visually inspected. Pre-Reg F factual framework.** [Seventh Circuit Court of Appeals](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019%2FD08-08%2FC%3A17-3244%3AJ%3ASykes%3Aaut%3AT%3AfnOp%3AN%3A2381328%3AS%3A0&Submit=Display) |\n| **S_WI-P03-S030** | *Janetos v. Fulton Friedman & Gullace, LLP*, 825 F.3d 317 (7th Cir. 2016). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016/D04-07/C:15-1859:J:Hamilton:aut:T:fnOp:N:1733811:S:0&Submit=Display | Printed pp. 2–3, 6–8, 10–14; zero-based PDF indexes 1–2, 5–7, 9–13; published, 18-page official PDF | **Fresh official PDF read; relevant pages visually inspected. Current creditor holding.** [Seventh Circuit Court of Appeals+1](https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016%2FD04-07%2FC%3A15-1859%3AJ%3AHamilton%3Aaut%3AT%3AfnOp%3AN%3A1733811%3AS%3A0&Submit=Display) |\n| **S_WI-P03-S031** | *Bartlett v. Heibl*, 128 F.3d 497 (7th Cir. 1997). https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/ | Published Seventh Circuit opinion, especially 128 F.3d at 499–502 | **Fresh opinion text read; official Seventh Circuit archival PDF not recovered through current route.** [Justia Law](https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/) |\n| **S_WI-P03-S032** | *Jang v. A.M. Miller & Associates*, 122 F.3d 480 (7th Cir. 1997). https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html | Published Seventh Circuit opinion, especially 122 F.3d at 483–84 | **Fresh opinion text read; official archival PDF not recovered.** [FindLaw+1](https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html) |\n| **S_WI-P03-S033** | *Henson v. Santander Consumer USA Inc.*, 582 U.S. 79 (2017). https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Printed opinion pp. 3–5; zero-based PDF indexes 2–4; official 13-page PDF | **Fresh official Supreme Court PDF read; relevant pages visually inspected. Current merits decision.** [Supreme Court of the United States](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf) |\n| **S_WI-P03-S034** | *Rsidue, LLC v. Michaud*, 2006 WI App 164. https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885 | ¶¶7–25, especially ¶¶11–14 and 25; published Wisconsin Court of Appeals opinion | **Fresh official opinion read. No later public overruling located for the narrow definition holding.** [Wisconsin Court System+1](https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885) |\n\n# J. Claim register\n\n| Claim ID | Precise assertion | Source IDs and exact pinpoints | Predicates, exceptions, consequence, and confidence |\n| --- | --- | --- | --- |\n| **S_WI-P03-C001** | No single universal Wisconsin §1692g-equivalent notice was verified in the bounded chapters/rules reviewed. | S002–S020 | Bounded negative finding, not proof no sector-specific or unpublished authority exists. **Medium-high.** |\n| **C002** | Chapter 422 rights depend on WCA customer, transaction, creditor/merchant, exclusion, and Wisconsin-nexus predicates. | S002–S004; §§421.201, .202, .301 | Actor and transaction facts required. **High.** |\n| **C003** | Original-creditor status ordinarily removes federal §1692g coverage but not applicable Wisconsin WCA or chapter 427 duties. | S003, S019, S021 | False-name and other federal branches remain exceptions. **High.** |\n| **C004** | Current general WCA amount is $25,000; Act 105 changes it to $50,000 on Jan. 1, 2027. | S001, S004; §421.202(6) | Future provision not current on access date. **High.** |\n| **C005** | §422.302(3) requires exact copies of signed obligation documents before payment is due. | S005, §422.302(3) | Qualifying WCA creditor/transaction only. **High.** |\n| **C006** | §422.303(5) requires limited retention and one free copy on demand during the retention period. | S006, §422.303(5) | Non-open-end; earlier of stated one-year endpoints. **High.** |\n| **C007** | §422.305 supplies copy/explanation rights for a natural person assuming personal liability. | S007, §422.305(1)–(2) | Qualifying transaction and obligor facts required. **High.** |\n| **C008** | §422.306(1) requires a written receipt for cash or another payment method lacking inherent evidence. | S008, §422.306(1) | Qualifying creditor/customer. **High.** |\n| **C009** | Closed-end written request yields payment dates/amounts, charges, and unpaid balance. | S008, §422.306(2) | Does not itself require contract or assignment chain. **High.** |\n| **C010** | Open-end written request yields prior 12 months’ credit/purchases/payments and unpaid balance. | S008, §422.306(3) | One per 12 months may cost up to $1. **High.** |\n| **C011** | §422.306 contains no general numeric response deadline for requested statements. | S008 | DFI-WCA 1.36 can add timing when an existing bill/statement is questioned. **High.** |\n| **C012** | DFI-WCA 1.36 applies to a written bill/statement question by customer or authorized representative to merchant or notified assignee. | S010, complete rule | Payment-instrument placement exception. **High.** |\n| **C013** | Ordinary DFI-WCA 1.36 response is due within 30 days after receipt. | S010 | State counting/electronic receipt details unresolved. **High.** |\n| **C014** | Open-end response is due within two complete billing cycles, never more than 90 days after receipt. | S010 | Same form and receipt limits. **High.** |\n| **C015** | Inquiry on payment instrument or returnable statement portion can be unacknowledged if conspicuous routing disclosure was supplied. | S010 | Every condition must be met. **High.** |\n| **C016** | The account is reasonably disputed from notice to merchant until response. | S010; cross-reference §427.104(1)(f) | Status interval, not automatic debt invalidity. **High.** |\n| **C017** | DFI-WCA 1.36 does not expressly impose a general collection pause or mandatory document packet. | S010 | Federal or other law can independently pause collection. **High textual finding.** |\n| **C018** | Under §422.409, customer may pay assignor until effective assignment/payment notice. | S011, §422.409(1) | Qualifying consumer-credit transaction. **High.** |\n| **C019** | §422.409 notice has specified written identity, contract-identification, payment, and total-payment content. | S011, §422.409(2); S012 | Contract may be copied **or identified**. **High.** |\n| **C020** | Assignee must seasonably furnish reasonable proof on request; until then customer may pay assignor. | S011, §422.409(1) | No fixed deadline or universal proof form found. **High text; medium application.** |\n| **C021** | DFI-WCA 1.37/1.371 govern joint notice and changed address. | S012 | Assignment-notice branch only. **High.** |\n| **C022** | §409.406 supplies a similar UCC payment-direction/proof rule for specified receivables, including commercial contexts. | S013, §409.406(1)–(3), (8) | Subject to consumer-law differences and receivable exclusions. **High.** |\n| **C023** | State law requires disclosure of known disputed status when the debt is disclosed or threatened to be disclosed. | S018 §74.16(7); S019 §427.104(1)(f) | Actor/transaction scope differs; no universal validation pause. **High.** |\n| **C024** | DFI-Bkg 74.07 requires detailed licensed-agency account ledgers. | S015 | Internal record requirement; not complete consumer access. **High.** |\n| **C025** | §218.04(10)(b) requires at least six-year collection-agency business-record retention. | S014 | Start-point details and claim access deferred. **High.** |\n| **C026** | Licensed agency must issue payment receipt absent another positive payment record. | S015 | Specific receipt content required. **High.** |\n| **C027** | Written request yields qualifying licensed-agency payment history within ten business days. | S016 §74.11(8) | Only agency possession period; ch. 74 business-day counting unresolved. **High.** |\n| **C028** | Written request after full payment/settlement yields free receipt within ten business days. | S016 §74.11(7) | Full payment/settlement predicate. **High.** |\n| **C029** | Record backup duty does not itself create consumer furnishing right. | S018 §74.17 | **High textual finding.** |\n| **C030** | DFI-Bkg 74.09’s 30-day report is for creditor/forwarder, not debtor. | S017 §74.09 | Do not repurpose as consumer right. **High.** |\n| **C031** | No universal Wisconsin predecessor-to-successor dispute-file transfer duty was verified. | S011–S019 | Bounded negative; private contracts and other law remain. **Medium-high.** |\n| **C032** | Federal validation applies only to covered consumer debt and covered debt collector. | S021, §1692a(3), (5), (6) | Original-creditor, false-name, servicer, security, and other exclusions matter. **High.** |\n| **C033** | *Henson* resolves only the “owed another” branch for a purchased owner and leaves principal-purpose coverage open. | S033, printed pp. 3–5 / zero pp. 2–4 | Federal holding only. **High.** |\n| **C034** | Validation information is due initially or within five days, subject to statutory/regulatory exceptions. | S022 §1692g(a); S023 §1006.34(a) | Formal pleadings and specified notices excluded. **High.** |\n| **C035** | Current validation information includes collector, consumer, current creditor, account, amount, and protection information. | S023 §1006.34(c) | Some fields depend on product/debt type. **High.** |\n| **C036** | Collector chooses one of five itemization dates and uses it consistently; successor may choose another eligible date. | S023 §1006.34(b)(3) and comments | Date must be one for which amount can be ascertained. **High.** |\n| **C037** | Interest, fees, payments, and credits fields must appear and cannot be blank. | S023 §1006.34(c)(2)(viii) comment 1 | Zero/none permitted. **High.** |\n| **C038** | Validation end date uses receipt or permissible assumed receipt; subsequent notice after nonreceipt resets it. | S023 §1006.34(b)(5) comments 1–2 | Five-day assumption excludes weekends/federal holidays. **High.** |\n| **C039** | Oral/contact dispute can prevent collector’s assumption of validity but does not ordinarily trigger §1692g(b) pause. | S022 §1692g(a)(3)–(b); S023 §1006.34(c)(3) | Other law can attach consequences. **High.** |\n| **C040** | Timely written dispute pauses disputed debt/portion until verification or judgment is sent. | S022 §1692g(b); S024 §1006.38(d)(2) | Covered actor/debt and validation-period timing required. **High.** |\n| **C041** | Timely written original-creditor request pauses collection until specified response. | S022 §1692g(a)(5), (b); S024 §1006.38(c) | Same-creditor special response available. **High.** |\n| **C042** | Late dispute does not trigger §1692g automatic pause. | S022; S024 | State and other federal duties can remain. **High.** |\n| **C043** | Failure to dispute is not a legal admission. | S022 §1692g(c); S024 §1006.38(d)(1) | Does not decide later evidentiary issues. **High.** |\n| **C044** | Duplicative dispute requires substantial sameness, prior compliant response, and no new/material information. | S024 §1006.38(a) | Narrow definition. **High.** |\n| **C045** | New material information prevents duplicative treatment; cancelled check is official example. | S024 comment 38(a)(1)-2 | Material if reasonably likely to change verification. **High.** |\n| **C046** | Model B-1 safe harbor is limited to specified information/form requirements and is not mandatory. | S023 §1006.34(d)(2); S027 | No safe harbor for inaccurate facts or failed delivery. **High.** |\n| **C047** | Electronic required disclosure must be reasonably expected to provide actual notice and be keepable/access later. | S025 §1006.42(a) | Undeliverability defeats that attempt. **High.** |\n| **C048** | Electronic validation and specified responses require E-SIGN §101(c) compliance. | S025 §1006.42(b); 15 U.S.C. §7001(c) | Affirmative consent and disclosures required. **High.** |\n| **C049** | Consumer’s accepted electronic dispute/request can satisfy “in writing.” | S024 official interpretation | Medium must be one collector accepts. **High.** |\n| **C050** | Regulation F compliance evidence is retained until three years after last activity; recordings, if made, three years from call. | S026 §1006.100 | Does not require creating every possible record. **High.** |\n| **C051** | Federal law preserves noninconsistent and more protective state requirements. | S026 §1006.104 | Actual conflict analysis can be issue-specific. **High.** |\n| **C052** | *Walton* defines federal verification as confirming accurate transmission of creditor’s claim. | S028, printed pp. 4–5 / zero pp. 3–4 | Seventh Circuit controlling. **High.** |\n| **C053** | Federal verification does not universally require original signed contract or merits investigation. | S022, S028 | Another law or case facts can require more. **High.** |\n| **C054** | *Lavallee* rejects multistep linked access as sufficient on its pre-Reg F facts. | S029, printed pp. 2–5 / zero pp. 1–4 | Current electronic rule now controls prospectively. **High, limited.** |\n| **C055** | *Janetos* requires clear current-creditor identification without extrinsic confusion evidence where disclosure is absent/unclear. | S030, printed pp. 2–3, 6–8, 14 | Particular statutory identity field. **High.** |\n| **C056** | *Bartlett* prohibits unexplained shorter demands that overshadow 30-day rights. | S031, 128 F.3d at 499–502 | Communication-specific. **High.** |\n| **C057** | *Jang* permits collector to cease rather than verify. | S032, 122 F.3d at 483–84 | No restart without satisfying applicable condition. **High.** |\n| **C058** | *Rsidue* held that the purchaser there was not a WCA creditor for §425.109 pleading duties. | S034 ¶¶11–14, 25 | Not universal WCA or prelitigation exemption. **High, narrow.** |\n| **C059** | No published controlling Wisconsin decision was located defining §422.409 “seasonably” or universal reasonable-proof contents. | Bounded searches; S011, S034 | Search-gap statement only. **Medium.** |\n| **C060** | Commercial debt generally lacks chapter 422 and FDCPA validation but may fall under ch. 74 and §409.406. | S004, S013, S015–S016, S021 | Agricultural/ch.427 and contractual elections require care. **High.** |\n| **C061** | No automatic private remedy or standing follows from every documentation defect. | Authorities above; remedies intentionally deferred | Injury, causation, actor, and enforcement route remain open. **High caution.** |\n| **C062** | Failure to validate or produce a requested document does not automatically extinguish the debt. | S010–S013, S022–S024, S032 | Immediate consequence depends on authority. **High.** |\n| **C063** | No actual debt, provider, owner, servicer, contract, notice, balance, or deadline was adjudicated. | Scope limitation | No individualized legal conclusion. **Certain.** |\n\n# K. Granular coverage and remaining-gap table\n\n| Assigned issue | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Universal Wisconsin initial validation notice | Answered as bounded negative | C001 | Search any sector statute or unpublished DFI order when a specific debt type is known |\n| WCA customer/consumer-credit predicates | Answered | C002–C004 | Apply actual purpose, amount, installment/finance-charge, and nexus facts |\n| Current/future amount exclusion | Answered | C004 | Recheck on or after Jan. 1, 2027 |\n| First-lien mortgage WCA tension | Partial | C002 | Determine inclusion/election and complete mortgage-servicing pass |\n| Original-creditor transaction copies | Answered | C005–C007 | Actual retention period and document signatures |\n| Cash/evidence-of-payment receipt | Answered | C008 | Actual payment method |\n| Closed-end account statement | Answered | C009, C011 | Actual creditor status and transaction coverage |\n| Open-end account statement | Answered | C010–C011 | Actual plan status; federal periodic statements deferred |\n| General periodic-statement duty | Partial/held | C009–C011 | TILA/Reg Z and sector-specific investigation |\n| Open-end initial application disclosures | Answered narrowly | S009 | Not treated as continuing validation duty |\n| DFI-WCA 1.36 actor and trigger | Answered | C012 | Actual writing, recipient, bill/statement, authorization |\n| DFI-WCA 1.36 ordinary deadline | Answered | C013 | State counting, receipt, and electronic-writing rules |\n| Open-end billing-cycle deadline | Answered | C014 | Actual cycle dates |\n| Payment-instrument exception | Answered | C015 | Actual conspicuous routing disclosure |\n| State disputed-status interval | Answered | C016, C023 | Actual notice and response dates |\n| State collection pause | Answered as not established generally | C017 | Separate federal or sector predicates |\n| Consumer-credit assignment notice | Answered | C018–C019 | Actual contract, notice, address, payment schedule |\n| Assignment proof request | Answered textually | C020 | No controlling proof-content or timing case located |\n| “Seasonably” definition | Unresolved | C059 | Published/unpublished DFI order, Wisconsin case, or UCC authority |\n| Complete chain-of-title duty | Unresolved/not universally established | C020, C053, C059 | Actual multistep assignment and governing transaction law |\n| UCC commercial assignment proof | Answered generally | C022, C060 | Receivable classification and §409.406(8) interaction |\n| Original creditor versus assignee | Answered generally | C003, C018–C020, C058 | Actual business role and ownership |\n| Debt-buyer WCA creditor status | Partial | C058 | Provision-specific analysis; do not universalize *Rsidue* |\n| Servicer documentation duties | Partial | C002, C032 | Default timing, owner, agency, license, and transaction facts |\n| Attorney documentation duties | Partial | C032 | Actor status and representation facts |\n| Licensed-agency internal records | Answered | C024–C026 | Full examination/security pass later |\n| Licensed-agency payment history | Answered | C027 | Ch. 74 business-day counting rule unresolved |\n| Paid/settled receipt | Answered | C028 | Actual full-payment or settlement status |\n| Record backup as consumer access | Answered negatively | C029 | None |\n| Creditor/forwarder report as debtor right | Answered negatively | C030 | None |\n| State predecessor-successor transfer duty | Unresolved/bounded negative | C031 | Private placement contract, DFI orders, other sector law |\n| Federal covered debt/actor | Answered gateway only | C032–C033 | Actual debt purpose, owner, default, principal purpose, exclusion |\n| Initial federal notice timing | Answered | C034 | Actual initial communication and payment date |\n| Initial validation content | Answered | C035–C037 | Actual notice |\n| Current-creditor clarity | Answered | C035, C055 | Actual wording |\n| Itemization date | Answered | C036 | Source amount at chosen date |\n| Interest/fee/payment/credit fields | Answered | C037 | Underlying charge authorization excluded |\n| Validation-period calculation | Answered relatively | C038 | Actual provision date, medium, federal holidays, nonreceipt |\n| Oral dispute effect | Answered | C039 | Actual communication and collector knowledge |\n| Timely written dispute | Answered | C040 | Actual receipt and validation-period end |\n| Original-creditor request | Answered | C041 | Written timing and actor coverage |\n| Late dispute | Answered federally | C042–C043 | State/sector crossover facts |\n| Duplicative dispute | Answered | C044–C045 | Compare prior dispute, response, and new evidence |\n| Verification content | Answered at federal minimum | C052–C053 | Another statute or material factual issue may require more |\n| Collector stopping instead of verifying | Answered | C057 | Later restart or transfer remains factual |\n| Model-form status | Answered | C046 | Actual form and modifications |\n| Electronic collector delivery | Answered federally | C047–C048, C054 | E-SIGN consent and delivery evidence |\n| Electronic consumer dispute | Answered federally | C049 | Collector-accepted medium |\n| State electronic “writing” | Unresolved | C013 | Wisconsin electronic-transactions and agency construction pass |\n| Federal record retention | Answered | C050 | Actual last activity date and records |\n| State-law preservation | Answered | C051 | Issue-specific inconsistency if asserted |\n| No automatic debt extinguishment | Answered | C062 | Specific remedy branch later |\n| Remedies, standing, damages | Excluded except caution | C061 | Full private/public enforcement pass |\n| Credit reporting/FCRA | Excluded | — | Separate reporting, furnisher, investigation, and blocking pass |\n| Identity theft | Excluded | — | FCRA §605B and related state law pass |\n| Lawsuit proof/admissibility | Excluded | — | Business-record foundation, assignment proof, account stated, pleading pass |\n| Service/default/judgment | Excluded | — | Separate litigation pass |\n| Limitations/revival | Excluded | — | Separate limitations pass |\n| Garnishment/secured remedies | Excluded | — | Separate remedies passes |\n| Medical, utility, mortgage, tax, student, government sectors | Excluded except necessary general boundary | — | Individual sector investigations |\n| Local/tribal/country law | Excluded | — | Separate jurisdiction passes |\n| Actual provider or borrower | Excluded | C063 | No named-company or private-record lookup |\n| PASS-01/PASS-02 acceptance | Not implied | — | Coordinator review remains separate |\n| Parent Wisconsin/A066 acceptance | Not implied | — | All remaining dimensions remain required |\n\n# L. Researcher self-check\n\n## Actually read or inspected\n\n- Wisconsin’s official statute-currentness page and the operative/future provisions of 2025 Wisconsin Act 105.\n- Current text of Wis. Stat. §§421.201, 421.202, 421.301, 422.302, 422.303, 422.305, 422.306, 422.308, 422.409, 409.406, 218.04(10)(b), and 427.104 through current reproductions, with official locators/currentness checked.\n- Complete relevant text of DFI-WCA 1.36, 1.37, and 1.371.\n- Complete relevant text of DFI-Bkg 74.07, 74.09, 74.10, 74.11, 74.13, 74.16, and 74.17.\n- Current Wisconsin DFI public dispute guidance and disputed-debt materials.\n- Current official 15 U.S.C. §§1692a and 1692g through laws effective October 15, 2026.\n- Current official Regulation F §§1006.34, 1006.38, 1006.42, 1006.100, and 1006.104, their relevant official commentary, and Appendix B.\n- Current official E-SIGN §101.\n- Official PDFs for *Walton*, *Lavallee*, *Janetos*, and *Henson*, with relevant pages visually inspected.\n- The published opinion text for *Bartlett*, *Jang*, and the official Wisconsin opinion in *Rsidue*.\n- Targeted public searches for Wisconsin appellate interpretations of DFI-WCA 1.36 and §422.409.\n\n## Not successfully read in the preferred official form\n\n- Several Wisconsin Legislature integrated statute and administrative-code pages timed out.\n- The official integrated current DFI-WCA and DFI-Bkg chapter PDFs were not retrieved as uninterrupted documents.\n- An official Seventh Circuit archival PDF was not recovered for *Bartlett* or *Jang*; published opinion text was read from public case reproductions.\n- No comprehensive historical DFI interpretive-letter archive, contested-case order archive, Wisconsin circuit-court database, paid citator, or subscription treatise was available.\n\nThose gaps were not converted into claims of absence.\n\n## Deliberately not concluded\n\n- No actual notice was judged compliant or noncompliant.\n- No actual debt was found valid, invalid, paid, time-barred, revived, or enforceable.\n- No collector, creditor, debt buyer, servicer, or attorney was found covered, exempt, licensed, authorized, or noncompliant.\n- No request was assigned an individualized due date.\n- No original signed contract, complete assignment chain, affidavit, or trial-ready evidence was declared universally required.\n- No failure to produce a document was treated as debt cancellation.\n- No automatic private action, damages amount, standing, or limitations period was inferred.\n- No credit-reporting, identity-theft, litigation, service, judgment, garnishment, secured-debt, sector, local, tribal, or contract investigation was silently completed.\n- No private borrower, provider, account, communication, or contract data was used.\n- No filing, complaint, application, contact, records request, purchase, API, Chrome control, Work mode, other Chat, website change, or publication occurred.\n- No local file was created or saved.\n- This report is not publication readiness, provider approval, operations approval, individualized legal advice, or an independent review.\n\nEND S_WI PASS-03.\n\n","tables":[{"headers":["Actor or model","Wisconsin chapter 422 document/inquiry duties","Wisconsin assignment or agency-record duties","Federal §1692g/Regulation F","Commercial-debt result","Principal limit"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or model","Wisconsin chapter 422 document/inquiry duties","Wisconsin assignment or agency-record duties","Federal §1692g/Regulation F","Commercial-debt result","Principal limit"],["Original creditor collecting its own qualifying WCA account","§§422.302–.306 can apply; DFI-WCA 1.36 can apply to written bill/statement inquiries","§422.409 applies only after assignment; no ch. 74 payment-history right unless actor is a licensed collection agency","Ordinarily outside federal “debt collector” definition, absent false-name or another statutory branch","WCA generally does not cover ordinary commercial debt","Original-creditor status does not eliminate chapter 427 if its transaction predicates exist"],["Original creditor using another name suggesting a third person","Same state transaction-document analysis","Same","Expressly included in federal debt-collector definition when the false-name test is met","Federal FDCPA still requires personal/family/household debt","No matching automatic Wisconsin chapter 422 conversion was located"],["Third-party collection agency","Not automatically the chapter 422 “creditor”; may act for one","If Wisconsin-licensed, ch. 74 records/history duties apply","Usually covered if collecting qualifying consumer debt owed another and no exclusion applies","Ch. 74 can apply to commercial accounts; FDCPA and chapter 422 ordinarily do not","Agency license status alone does not create chapter 422 creditor duties"],["Servicer collecting for an owner","Transaction creditor remains responsible for creditor duties; servicer’s independent status is fact-specific","Licensed-agency duties apply if servicer is a §218.04 licensee; assignment duties apply only if payment rights were assigned","Nondefault servicing exclusion can matter; default timing and principal-purpose branch require facts","UCC and ch. 74 may apply","“Servicer” label does not decide federal or state status"],["Genuine debt buyer collecting purchased debt","May be a “merchant” or assignee, but Rsidue holds that purchasing defaulted obligations did not by itself make that buyer a WCA “creditor” for the pleading provision there","§422.409 can apply directly; DFI-WCA 1.36 expressly addresses an assignee after notice","Henson excludes an owner only from the “owed another” branch; principal-purpose coverage remains separate","§409.406 may apply to commercial receivables","Do not apply Rsidue as a universal exemption from every WCA provision"],["Passive debt owner using a collector","Depends on whether owner is creditor, merchant, assignee, or successor for the particular provision","§422.409 may govern owner’s assignment notice; collector’s ch. 74 duties are separate","Collector and owner each need their own actor analysis","UCC may apply","Need purchase and servicing agreements, ownership, control, and payment flow"],["Successor collector after prior collector","No universal state dispute-file transfer duty was located","New assignment notice may be required if ownership/payment direction changes; new licensee must maintain its own records","Covered successor has its own initial-validation analysis; may use a different eligible itemization date","Ch. 74/UCC can apply","Exact inheritance of an earlier pause or dispute remains unresolved"],["Attorney or law firm","No special exemption from a chapter 422 provision that otherwise applies to its actual role","Ch. 74 depends on state licensing status; P2 attorney licensing findings are not adopted here","An attorney regularly collecting covered consumer debt can be a federal debt collector","Federal law ordinarily does not cover commercial debt","Litigation proof and attorney-professional rules remain outside this pass"],["Licensed Wisconsin collection agency handling commercial debt","Chapter 422 generally unavailable for ordinary business-purpose debt","Ch. 74 account-record and payment-history duties can still apply","FDCPA ordinarily unavailable","Ch. 74 is the principal verified documentation branch","UCC assignment proof may also apply to covered receivables"],["Collector of primarily agricultural deferred-payment debt","Most chapter 422 rights remain excluded unless a separate inclusion exists","Ch. 74 can apply to a licensee","FDCPA ordinarily does not cover agricultural business-purpose debt","—","Chapter 427 expressly remains applicable"],["Pure first-lien mortgage account","Generally excluded from WCA by §421.202(7) despite language in §422.306","Sector-specific servicing rules can apply but are deferred","FDCPA can apply to a covered collector and debt; Regulation F has a mortgage-statement special rule","—","Do not treat this pass as the mortgage servicing error-resolution dossier"],["Organization or ordinary business debtor","Generally outside WCA","Licensed-agency and UCC duties can apply","Outside “debt” definition if purpose was business","Yes, through ch. 74/UCC where predicates exist","No consumer validation right should be assumed merely because a collector is licensed"]]},{"headers":["Event","Actor","Required information","Request/form","Charge","Express response deadline"],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Event","Actor","Required information","Request/form","Charge","Express response deadline"],["Cash payment or another payment method that does not itself provide evidence","Creditor","Written receipt","Automatic; no request","None stated","At payment; no separate number stated"],["Written request for closed-end account statement","Creditor","Dates and amounts of payments, charges imposed, and unpaid balance","Customer written request","No general charge specified for ordinary first statement in subsection (2); additional first-lien statements may involve reasonable cost","No numeric deadline in §422.306"],["Written request for open-end history","Creditor","Previous 12 months’ purchases or loan credit, payments, and current unpaid balance; periodic statements may be used","Customer written request","One per 12 months at no more than $1; additional statements at reasonable preparation/furnishing cost","No numeric deadline in §422.306"],["Full payoff of non-open-end account","Creditor","Specified paid-in-full and security-release documents","Automatic after all sums paid","None stated","45 days, subject to §708.15"]]},{"headers":["Event or request","Governing actor","Trigger and form","Required response or document","Deadline","Collection effect","What it does not establish"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event or request","Governing actor","Trigger and form","Required response or document","Deadline","Collection effect","What it does not establish"],["Initial copy of signed transaction documents","Qualifying WCA creditor","Customer signs obligation document","Exact copy of each signed obligation document","Before any payment due","No express collection pause","Later collector must resend it"],["Later contract-copy demand","Qualifying WCA creditor","Demand within §422.303 retention period","Retained signed writing and signed proposals; first copy free","No numeric furnishing deadline stated","No express pause","Indefinite retention"],["Natural-person obligor copy","Qualifying creditor","Personal liability under §422.305","Required copies or statutory explanation; free signed-document copy","As specified by provision","No express pause","Universal third-party validation"],["Cash-payment receipt","Qualifying WCA creditor","Cash or payment lacking inherent evidence","Written receipt","At payment/no separate numeric period","None","Full ledger"],["Closed-end statement request","Qualifying WCA creditor","Written customer request","Payment dates/amounts, charges, unpaid balance","No number in §422.306","None","Signed contract or assignment chain"],["Open-end statement request","Qualifying WCA creditor","Written request","Prior 12 months’ credit/purchases/payments and unpaid balance","No number in §422.306","None","Every statement since opening"],["Written bill/statement question","Merchant or notified assignee","Customer/authorized representative writes; exception for payment-instrument placement","Specific response to issue or dispute","30 days after receipt; open-end two complete cycles, max 90 days","Debt reasonably disputed until response; no express general pause","Federal verification packet"],["Consumer-credit assignment request","Assignee","Customer requests proof after assignment notice/payment direction","Reasonable proof assignment occurred","“Seasonably”; no fixed number","Until proof, customer may pay assignor","Debt invalid; complete chain always required"],["UCC assignment proof","Assignee of account/chattel paper/payment intangible","Account debtor requests proof","Reasonable proof assignment","“Seasonably”","Until proof, payment to assignor can discharge","General consumer validation"],["Licensed-agency payment receipt","Wisconsin licensee","Payment received without other positive evidence","Receipt identifying licensee, payment, creditor, receiving person","At receipt","None","Account ownership"],["Licensed-agency payment history","Wisconsin licensee","Written request for open or recently closed account","History for agency’s possession period and current balance","Ten business days","No express pause","Originator’s full history"],["Paid/settled receipt","Wisconsin licensee","Written request after full payment/settlement","Free written paid-or-settled receipt","Ten business days","None","Release of every third-party claim"],["State disputed-status rule","Ch. 427 collector or ch. 74 licensee","Collector knows debt is reasonably disputed","Disclose dispute when disclosing or threatening disclosure","While known dispute exists","No general validation pause","FCRA investigation"],["Federal initial validation","Covered federal debt collector","Initial communication","Regulation F validation information","Initial communication or within five days; paid-debt exception","Collection can continue if not otherwise unlawful","Debt’s merits adjudicated"],["Federal oral dispute","Covered federal debt collector","Consumer contacts collector by end date","Prevents collector’s assumption of validity","Validation period","No §1692g(b) pause by itself","Mandatory verification"],["Federal timely written dispute","Covered federal debt collector","Written/accepted electronic dispute within validation period","Verification or judgment","No fixed response time; collection remains paused until response","Pause on disputed debt/portion","Original signed contract automatically required"],["Federal original-creditor request","Covered federal debt collector","Written/accepted electronic request within validation period","Original creditor name/address, or same-creditor notice","No fixed response time; collection paused","Entire-debt collection pause until response","Assignment proof"],["Federal late dispute","Covered federal debt collector","After validation period","No §1692g automatic response/pause","—","Other laws can still apply","Admission or waiver of all defenses"],["Federal duplicative dispute","Covered federal debt collector","Same prior timely dispute, already answered, no new/material information","Verification or reasoned duplicate notice referencing prior response","Collection paused until one response is sent","Limited restart route","Permission to ignore new evidence"],["Electronic validation notice","Covered federal debt collector","Electronic delivery","Actual-notice-capable, retainable form; E-SIGN compliance","Same validation timing","Invalid delivery can prevent notice compliance","Mere hyperlink always sufficient"],["Successor collector","New covered actor","Its own initial communication","Its own applicable validation information; eligible itemization date","Federal timing starts from its qualifying event","Own pause duties after qualifying request","Automatic transfer of every predecessor dispute or record"]]},{"headers":["Record or information","Legally required to exist or be retained","Legally required to be furnished on qualifying request","Initial-notice content","Merely prudent to request unless another law applies"],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Record or information","Legally required to exist or be retained","Legally required to be furnished on qualifying request","Initial-notice content","Merely prudent to request unless another law applies"],["Signed obligation document","Creditor retention under §422.303 for limited period","Yes under §§422.303/.305 when predicates exist","Not ordinarily under federal validation","—"],["Original wet-ink contract","No universal original-form requirement verified","No universal production right","No","Often prudent, but not automatically required"],["Account payment dates and amounts","Creditor and licensed-agency records as applicable","Yes under §422.306 or ch. 74 history rule","Federal notice uses post-itemization aggregate payments","—"],["Principal/current balance","Licensed-agency record; creditor accounting duties","Included in applicable statements/history","Federal current amount required","—"],["Interest and fee ledger","Licensed-agency record requires described charges; other creditor duties may apply","Ch. 74 history allocates specified categories; §422.306 states charges imposed","Federal aggregate interest/fees since itemization date","Detailed transaction-by-transaction ledger may be prudent beyond the express disclosure"],["Credits and adjustments","Licensed agency must maintain account entries; federal compliance evidence retained","Not universally item-by-item under Wisconsin request provisions","Federal aggregate credits since itemization date","Full adjustment log may be prudent"],["Current creditor","Necessary for federal notice","Original-creditor request is separate","Yes","—"],["Original creditor","Records may identify it","Federal timely written request; state transaction documents may show it","Not always mandatory unless rule’s specific field applies","—"],["Assignment notice","Assignee should retain evidence of compliance","Customer receives notice; proof available on request","Separate from federal validation","—"],["Reasonable proof of assignment","Must be available if assignee wants to redirect payment after request","Yes, “seasonably,” under §§422.409/409.406","No universal federal field","Full chain may be prudent but is not automatically required"],["Complete chain of title","No universal prelitigation retention/production duty verified","No universal right verified","No","Often prudent where ownership is genuinely disputed"],["Bill of sale and account schedule","No universal prelitigation production rule","Could form reasonable proof depending facts; not categorically required","No","Prudent where assignment identity is disputed"],["Collector authority or servicing agreement","No universal consumer-production duty verified","No universal right verified","Collector identity/address required federally","Prudent where authority is disputed"],["Prior disputes and responses","Reg F compliance records; state licensee records may capture communications","No universal transfer or furnishing right found","No","Prudent for successor review"],["Collection-agency payment history","Ch. 74 requires account record","Yes for agency possession period","No","—"],["Trial-ready admissible evidence","Litigation rules may later require","Not established in this prelitigation pass","No","Separate litigation-proof pass"]]},{"headers":["Authority","Court, posture, and status","Narrow holding used here","Limits"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Authority","Court, posture, and status","Narrow holding used here","Limits"],["Walton v. EOS CCA, 885 F.3d 1024 (7th Cir. 2018)","Published Seventh Circuit decision affirming summary judgment for collector","Federal verification confirms the collector accurately conveys the creditor’s claimed debtor, creditor, and amount; it is not an adjudication of the creditor’s entitlement","Other statutes or a materially different response can require more"],["Lavallee v. Med-1 Solutions, LLC, 932 F.3d 1049 (7th Cir. 2019)","Published Seventh Circuit decision affirming summary judgment for consumer","Unknown-sender emails providing a multistep route to a hosted PDF did not themselves convey or contain the required notice","Predated current Regulation F; present electronic delivery is governed by §1006.42 and E-SIGN"],["Janetos v. Fulton Friedman & Gullace, LLP, 825 F.3d 317 (7th Cir. 2016)","Published Seventh Circuit decision reversing defense summary judgment and directing liability determination","Validation notice must identify the current creditor clearly; merely placing an entity’s name in ambiguous “assignee/transfer” language was insufficient","Does not prescribe one mandatory wording for every notice"],["Bartlett v. Heibl, 128 F.3d 497 (7th Cir. 1997)","Published Seventh Circuit decision reversing collector-favorable judgment","Short payment/litigation demands can overshadow validation rights unless their interaction is explained","Current Regulation F supplies additional form and safe-harbor rules"],["Jang v. A.M. Miller & Associates, 122 F.3d 480 (7th Cir. 1997)","Published Seventh Circuit merits decision","Collector may cease collection rather than produce verification; federal law does not force continued pursuit","Collection may not restart without satisfying the applicable pause condition"],["Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017)","U.S. Supreme Court merits decision","Owner of purchased debt is not covered merely under the “owed another” prong because the debt was in default when acquired","Court did not decide principal-purpose coverage"],["Rsidue, LLC v. Michaud, 2006 WI App 164","Published Wisconsin Court of Appeals decision","Debt purchaser that did not extend, arrange, or procure consumer credit was not a WCA “creditor” for §425.109’s pleading requirement","Does not decide all “merchant,” assignee, §422.409, DFI-WCA 1.36, chapter 427, or federal duties"],["DFI-WCA 1.36","Current administrative rule; no controlling published appellate construction located","Written bill/statement question receives specific response within stated period and becomes reasonably disputed until response","No express universal collection pause or mandatory document packet"],["Wisconsin DFI debt-dispute guidance","Current public regulator guidance, not a merits adjudication","Describes the 30-day federal validation workflow and examples of possible verification materials","Does not transform federal requirements into independent state law or require the most extensive listed document in every case"]]},{"headers":["Source ID","Title, issuer, and full literal direct URL","Exact pinpoint, version, and legal status","Access status and limits"],"index":5,"links":[{"href":"https://docs.legis.wisconsin.gov/document/statutes/1.01","text":"Wisconsin Legislative Documents\n+2"},{"href":"https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","text":"Justia Law\n+1"},{"href":"https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","text":"Justia Law\n+1"},{"href":"https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302/3","text":"Wisconsin Legislative Documents\n+1"},{"href":"https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section","text":"Wisconsin Legislative Documents\n+1"},{"href":"https://docs.legis.wisconsin.gov/document/statutes/422.305%282%29","text":"Wisconsin Legislative Documents\n+1"},{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/","text":"Justia Law"},{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/","text":"Justia Law"},{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36","text":"Legal Information Institute"},{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/","text":"Justia Law"},{"href":"https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/","text":"Justia Law"},{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07","text":"Legal Information Institute"},{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11","text":"Legal Information Institute"},{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","text":"Legal Information Institute"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/","text":"USCode\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","text":"Consumer Financial Protection Bureau\n+1"},{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/b/","text":"Consumer Financial Protection Bureau"},{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals"},{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019%2FD08-08%2FC%3A17-3244%3AJ%3ASykes%3Aaut%3AT%3AfnOp%3AN%3A2381328%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals"},{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016%2FD04-07%2FC%3A15-1859%3AJ%3AHamilton%3Aaut%3AT%3AfnOp%3AN%3A1733811%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals\n+1"},{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/","text":"Justia Law"},{"href":"https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html","text":"FindLaw\n+1"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court of the United States"},{"href":"https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885","text":"Wisconsin Court System\n+1"}],"row_links":[[],[{"href":"https://docs.legis.wisconsin.gov/document/statutes/1.01","text":"Wisconsin Legislative Documents\n+2"}],[],[{"href":"https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","text":"Justia Law\n+1"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","text":"Justia Law\n+1"}],[{"href":"https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302/3","text":"Wisconsin Legislative Documents\n+1"}],[{"href":"https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section","text":"Wisconsin Legislative Documents\n+1"}],[{"href":"https://docs.legis.wisconsin.gov/document/statutes/422.305%282%29","text":"Wisconsin Legislative Documents\n+1"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/","text":"Justia Law"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/","text":"Justia Law"}],[{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36","text":"Legal Information Institute"}],[{"href":"https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/","text":"Justia Law"}],[],[],[{"href":"https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/","text":"Justia Law"}],[{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07","text":"Legal Information Institute"}],[{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11","text":"Legal Information Institute"}],[],[{"href":"https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","text":"Legal Information Institute"}],[],[],[],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/","text":"USCode\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","text":"Consumer Financial Protection Bureau\n+1"}],[{"href":"https://www.consumerfinance.gov/rules-policy/regulations/1006/b/","text":"Consumer Financial Protection Bureau"}],[{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals"}],[{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019%2FD08-08%2FC%3A17-3244%3AJ%3ASykes%3Aaut%3AT%3AfnOp%3AN%3A2381328%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals"}],[{"href":"https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016%2FD04-07%2FC%3A15-1859%3AJ%3AHamilton%3Aaut%3AT%3AfnOp%3AN%3A1733811%3AS%3A0&Submit=Display","text":"Seventh Circuit Court of Appeals\n+1"}],[{"href":"https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/","text":"Justia Law"}],[{"href":"https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html","text":"FindLaw\n+1"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","text":"Supreme Court of the United States"}],[{"href":"https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885","text":"Wisconsin Court System\n+1"}]],"rows":[["Source ID","Title, issuer, and full literal direct URL","Exact pinpoint, version, and legal status","Access status and limits"],["S_WI-P03-S001","Wisconsin statute currentness and 2025 Wis. Act 105. https://docs.legis.wisconsin.gov/document/statutes/1.01 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2","Current compilation through 2025 Act 247; Act 105 §1 amends §421.202(6); §2 effective Jan. 1, 2027","Fresh official check. Current/future distinction verified. \nWisconsin Legislative Documents\n+2"],["S_WI-P03-S002","Wis. Stat. §421.201, territorial application. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/","§421.201, including in-state transactions and ch. 427 collection contacts","Official full page failed; current 2025 text freshly read from access copy. No later amendment located."],["S_WI-P03-S003","Wis. Stat. §421.301, general definitions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","§421.301(6), (10), (13), (16), (17), (25), (28)","Official integrated page failed; current 2025 text freshly read. \nJustia Law\n+1"],["S_WI-P03-S004","Wis. Stat. §421.202, exclusions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","§421.202(1), (2), (6), (7), (10); current $25,000; future Act 105 $50,000","Official integrated page failed; current text and future act freshly checked. \nJustia Law\n+1"],["S_WI-P03-S005","Wis. Stat. §422.302, General requirements and provisions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-302/","§422.302(1)–(3), especially (3) exact copy before payment due","Official locator/search freshly checked; access copy freshly read. Current. \nWisconsin Legislative Documents\n+1"],["S_WI-P03-S006","Wis. Stat. §422.303, Form requirements other than open-end or discount. Official: https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-303/","§422.303(3)–(5), especially retention and copy demand in (5)","Official locator returned search text but full page failed; current access copy freshly read. \nWisconsin Legislative Documents\n+1"],["S_WI-P03-S007","Wis. Stat. §422.305, Notice to obligors. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/305 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-305/","§422.305(1)–(2), natural-person personal liability and copy right","Official full page failed; current access copy freshly read. \nWisconsin Legislative Documents\n+1"],["S_WI-P03-S008","Wis. Stat. §422.306, Receipts; accounting; evidence of payment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/306 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/","§422.306(1)–(4)","Official integrated route failed; current 2025 text freshly read. \nJustia Law"],["S_WI-P03-S009","Wis. Stat. §422.308, Open-end credit disclosures. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/308 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/","§422.308(1)–(2), Wisconsin-resident application/entry disclosures","Current access copy freshly read; official full-page read not completed. Initial disclosure only. \nJustia Law"],["S_WI-P03-S010","Wis. Admin. Code DFI-WCA 1.36. Official: https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_wca/1/36/_1?down=1 Access copy: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36","Complete rule; effective July 1, 1973; amended effective Nov. 1, 1980; current rule history checked","Official direct page timed out; current rule reproduction freshly read in full. \nLegal Information Institute"],["S_WI-P03-S011","Wis. Stat. §422.409, Notice of assignment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iv/409 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/","§422.409(1)–(2), payment direction, notice content, reasonable proof","Official full page failed; current 2025 text freshly read. \nJustia Law"],["S_WI-P03-S012","DFI-WCA 1.37 and 1.371. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-37 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-371","Joint-obligor assignment notice and last-address rule","Fresh full rule read from current reproduction; official integrated routes not successfully read."],["S_WI-P03-S013","Wis. Stat. §409.406, Account debtor’s discharge; notification of assignment; proof. Official: https://docs.legis.wisconsin.gov/statutes/statutes/409/vi/406 Access copy: https://law.justia.com/codes/wisconsin/chapter-409/section-409-406/","§409.406(1)–(3), (8)","Current 2025 text freshly read; official integrated page not successfully retrieved."],["S_WI-P03-S014","Wis. Stat. §218.04, Collection agencies. Official: https://docs.legis.wisconsin.gov/statutes/statutes/218/iii/04 Access copy: https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/","§218.04(10)(b), six-year business-record preservation","Fresh read for this narrow provision; official integrated page failed. \nJustia Law"],["S_WI-P03-S015","DFI-Bkg 74.07, Books and records. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07","Entire rule: debtor ledger fields and receipts","Fresh current-rule reproduction read; official integrated chapter failed. \nLegal Information Institute"],["S_WI-P03-S016","DFI-Bkg 74.11, General. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11","Subsections (7)–(8), paid/settled receipt and payment history","Fresh current-rule reproduction read; official integrated route failed. \nLegal Information Institute"],["S_WI-P03-S017","DFI-Bkg 74.09, 74.10, and 74.13. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-09 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-10 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-13","Creditor/forwarder report; return/cancellation; separate Wisconsin license notice","Fresh current-rule reproductions read. 74.13 is not a state validation notice."],["S_WI-P03-S018","DFI-Bkg 74.16 and 74.17. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-17","§74.16(7), disputed status; §74.16(9g)/(9m), other law; §74.17 backup","Fresh current-rule reproduction read. \nLegal Information Institute"],["S_WI-P03-S019","Wis. Stat. §427.104, Prohibited practices. Official: https://docs.legis.wisconsin.gov/statutes/statutes/427/104 Access copy: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/","§427.104(1)(f), reasonably disputed debt disclosure","Current access copy freshly read; official integrated page failed."],["S_WI-P03-S020","Wisconsin DFI public guidance. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DisputingDebt.aspx https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/DisputedDebtFactSheet.aspx https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DebtCollectionGeneralPractices.aspx","Federal 30-day validation workflow; examples of verification; state dispute-status discussion","Fresh official guidance read. Current operational guidance, not enacted rule or merits order."],["S_WI-P03-S021","15 U.S.C. §1692a, FDCPA definitions. https://uscode.house.gov/us/usc/119-124/t15/s1692a/","§1692a(3), (5), (6); laws through Pub. L. 119-124, Oct. 15, 2026","Fresh official current U.S. Code read."],["S_WI-P03-S022","15 U.S.C. §1692g, Validation of debts. https://uscode.house.gov/us/usc/119-124/t15/s1692g/","§1692g(a)–(e); laws through Pub. L. 119-124","Fresh official current U.S. Code read in full. \nUSCode\n+1"],["S_WI-P03-S023","Regulation F §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","§1006.34(a)–(d) and official comments to 34(b)(3), 34(b)(5), 34(c), 34(d)","Fresh official current regulation and commentary read. \nConsumer Financial Protection Bureau\n+1"],["S_WI-P03-S024","Regulation F §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","§1006.38(a)–(d) and official comments on writing, duplication, new/material information","Fresh official current regulation and commentary read. \nConsumer Financial Protection Bureau\n+1"],["S_WI-P03-S025","Regulation F §1006.42 and E-SIGN §101. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ https://uscode.house.gov/us/usc/119-124/t15/s7001/","§1006.42(a)–(b); 15 U.S.C. §7001(b)–(e)","Fresh official current regulation and U.S. Code read. \nConsumer Financial Protection Bureau\n+1"],["S_WI-P03-S026","Regulation F §§1006.100 and 1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/100/ https://www.consumerfinance.gov/rules-policy/regulations/1006/104/","Record retention and relation to state law, including official commentary","Fresh official current regulation read. \nConsumer Financial Protection Bureau\n+1"],["S_WI-P03-S027","Regulation F Appendix B, Model Form B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/","Appendix B, B-1; current version","Fresh official current appendix read. Form image identified; safe-harbor scope read through §1006.34. \nConsumer Financial Protection Bureau"],["S_WI-P03-S028","Walton v. EOS CCA, 885 F.3d 1024 (7th Cir. 2018). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018/D03-21/C:17-3040:J:Barrett:aut:T:fnOp:N:2126666:S:0&Submit=Display","Printed opinion pp. 4–5; zero-based PDF indexes 3–4; published, 8-page official PDF","Fresh official PDF read; relevant pages visually inspected. Current precedential status not shown as vacated. \nSeventh Circuit Court of Appeals"],["S_WI-P03-S029","Lavallee v. Med-1 Solutions, LLC, 932 F.3d 1049 (7th Cir. 2019). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019/D08-08/C:17-3244:J:Sykes:aut:T:fnOp:N:2381328:S:0&Submit=Display","Printed pp. 2–5 and later analysis; zero-based PDF indexes 1–4 and 11–12; published, 14-page official PDF","Fresh official PDF read; relevant pages visually inspected. Pre-Reg F factual framework. \nSeventh Circuit Court of Appeals"],["S_WI-P03-S030","Janetos v. Fulton Friedman & Gullace, LLP, 825 F.3d 317 (7th Cir. 2016). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016/D04-07/C:15-1859:J:Hamilton:aut:T:fnOp:N:1733811:S:0&Submit=Display","Printed pp. 2–3, 6–8, 10–14; zero-based PDF indexes 1–2, 5–7, 9–13; published, 18-page official PDF","Fresh official PDF read; relevant pages visually inspected. Current creditor holding. \nSeventh Circuit Court of Appeals\n+1"],["S_WI-P03-S031","Bartlett v. Heibl, 128 F.3d 497 (7th Cir. 1997). https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/","Published Seventh Circuit opinion, especially 128 F.3d at 499–502","Fresh opinion text read; official Seventh Circuit archival PDF not recovered through current route. \nJustia Law"],["S_WI-P03-S032","Jang v. A.M. Miller & Associates, 122 F.3d 480 (7th Cir. 1997). https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html","Published Seventh Circuit opinion, especially 122 F.3d at 483–84","Fresh opinion text read; official archival PDF not recovered. \nFindLaw\n+1"],["S_WI-P03-S033","Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017). https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Printed opinion pp. 3–5; zero-based PDF indexes 2–4; official 13-page PDF","Fresh official Supreme Court PDF read; relevant pages visually inspected. Current merits decision. \nSupreme Court of the United States"],["S_WI-P03-S034","Rsidue, LLC v. Michaud, 2006 WI App 164. https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885","¶¶7–25, especially ¶¶11–14 and 25; published Wisconsin Court of Appeals opinion","Fresh official opinion read. No later public overruling located for the narrow definition holding. \nWisconsin Court System\n+1"]]},{"headers":["Claim ID","Precise assertion","Source IDs and exact pinpoints","Predicates, exceptions, consequence, and confidence"],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source IDs and exact pinpoints","Predicates, exceptions, consequence, and confidence"],["S_WI-P03-C001","No single universal Wisconsin §1692g-equivalent notice was verified in the bounded chapters/rules reviewed.","S002–S020","Bounded negative finding, not proof no sector-specific or unpublished authority exists. Medium-high."],["C002","Chapter 422 rights depend on WCA customer, transaction, creditor/merchant, exclusion, and Wisconsin-nexus predicates.","S002–S004; §§421.201, .202, .301","Actor and transaction facts required. High."],["C003","Original-creditor status ordinarily removes federal §1692g coverage but not applicable Wisconsin WCA or chapter 427 duties.","S003, S019, S021","False-name and other federal branches remain exceptions. High."],["C004","Current general WCA amount is $25,000; Act 105 changes it to $50,000 on Jan. 1, 2027.","S001, S004; §421.202(6)","Future provision not current on access date. High."],["C005","§422.302(3) requires exact copies of signed obligation documents before payment is due.","S005, §422.302(3)","Qualifying WCA creditor/transaction only. High."],["C006","§422.303(5) requires limited retention and one free copy on demand during the retention period.","S006, §422.303(5)","Non-open-end; earlier of stated one-year endpoints. High."],["C007","§422.305 supplies copy/explanation rights for a natural person assuming personal liability.","S007, §422.305(1)–(2)","Qualifying transaction and obligor facts required. High."],["C008","§422.306(1) requires a written receipt for cash or another payment method lacking inherent evidence.","S008, §422.306(1)","Qualifying creditor/customer. High."],["C009","Closed-end written request yields payment dates/amounts, charges, and unpaid balance.","S008, §422.306(2)","Does not itself require contract or assignment chain. High."],["C010","Open-end written request yields prior 12 months’ credit/purchases/payments and unpaid balance.","S008, §422.306(3)","One per 12 months may cost up to $1. High."],["C011","§422.306 contains no general numeric response deadline for requested statements.","S008","DFI-WCA 1.36 can add timing when an existing bill/statement is questioned. High."],["C012","DFI-WCA 1.36 applies to a written bill/statement question by customer or authorized representative to merchant or notified assignee.","S010, complete rule","Payment-instrument placement exception. High."],["C013","Ordinary DFI-WCA 1.36 response is due within 30 days after receipt.","S010","State counting/electronic receipt details unresolved. High."],["C014","Open-end response is due within two complete billing cycles, never more than 90 days after receipt.","S010","Same form and receipt limits. High."],["C015","Inquiry on payment instrument or returnable statement portion can be unacknowledged if conspicuous routing disclosure was supplied.","S010","Every condition must be met. High."],["C016","The account is reasonably disputed from notice to merchant until response.","S010; cross-reference §427.104(1)(f)","Status interval, not automatic debt invalidity. High."],["C017","DFI-WCA 1.36 does not expressly impose a general collection pause or mandatory document packet.","S010","Federal or other law can independently pause collection. High textual finding."],["C018","Under §422.409, customer may pay assignor until effective assignment/payment notice.","S011, §422.409(1)","Qualifying consumer-credit transaction. High."],["C019","§422.409 notice has specified written identity, contract-identification, payment, and total-payment content.","S011, §422.409(2); S012","Contract may be copied or identified. High."],["C020","Assignee must seasonably furnish reasonable proof on request; until then customer may pay assignor.","S011, §422.409(1)","No fixed deadline or universal proof form found. High text; medium application."],["C021","DFI-WCA 1.37/1.371 govern joint notice and changed address.","S012","Assignment-notice branch only. High."],["C022","§409.406 supplies a similar UCC payment-direction/proof rule for specified receivables, including commercial contexts.","S013, §409.406(1)–(3), (8)","Subject to consumer-law differences and receivable exclusions. High."],["C023","State law requires disclosure of known disputed status when the debt is disclosed or threatened to be disclosed.","S018 §74.16(7); S019 §427.104(1)(f)","Actor/transaction scope differs; no universal validation pause. High."],["C024","DFI-Bkg 74.07 requires detailed licensed-agency account ledgers.","S015","Internal record requirement; not complete consumer access. High."],["C025","§218.04(10)(b) requires at least six-year collection-agency business-record retention.","S014","Start-point details and claim access deferred. High."],["C026","Licensed agency must issue payment receipt absent another positive payment record.","S015","Specific receipt content required. High."],["C027","Written request yields qualifying licensed-agency payment history within ten business days.","S016 §74.11(8)","Only agency possession period; ch. 74 business-day counting unresolved. High."],["C028","Written request after full payment/settlement yields free receipt within ten business days.","S016 §74.11(7)","Full payment/settlement predicate. High."],["C029","Record backup duty does not itself create consumer furnishing right.","S018 §74.17","High textual finding."],["C030","DFI-Bkg 74.09’s 30-day report is for creditor/forwarder, not debtor.","S017 §74.09","Do not repurpose as consumer right. High."],["C031","No universal Wisconsin predecessor-to-successor dispute-file transfer duty was verified.","S011–S019","Bounded negative; private contracts and other law remain. Medium-high."],["C032","Federal validation applies only to covered consumer debt and covered debt collector.","S021, §1692a(3), (5), (6)","Original-creditor, false-name, servicer, security, and other exclusions matter. High."],["C033","Henson resolves only the “owed another” branch for a purchased owner and leaves principal-purpose coverage open.","S033, printed pp. 3–5 / zero pp. 2–4","Federal holding only. High."],["C034","Validation information is due initially or within five days, subject to statutory/regulatory exceptions.","S022 §1692g(a); S023 §1006.34(a)","Formal pleadings and specified notices excluded. High."],["C035","Current validation information includes collector, consumer, current creditor, account, amount, and protection information.","S023 §1006.34(c)","Some fields depend on product/debt type. High."],["C036","Collector chooses one of five itemization dates and uses it consistently; successor may choose another eligible date.","S023 §1006.34(b)(3) and comments","Date must be one for which amount can be ascertained. High."],["C037","Interest, fees, payments, and credits fields must appear and cannot be blank.","S023 §1006.34(c)(2)(viii) comment 1","Zero/none permitted. High."],["C038","Validation end date uses receipt or permissible assumed receipt; subsequent notice after nonreceipt resets it.","S023 §1006.34(b)(5) comments 1–2","Five-day assumption excludes weekends/federal holidays. High."],["C039","Oral/contact dispute can prevent collector’s assumption of validity but does not ordinarily trigger §1692g(b) pause.","S022 §1692g(a)(3)–(b); S023 §1006.34(c)(3)","Other law can attach consequences. High."],["C040","Timely written dispute pauses disputed debt/portion until verification or judgment is sent.","S022 §1692g(b); S024 §1006.38(d)(2)","Covered actor/debt and validation-period timing required. High."],["C041","Timely written original-creditor request pauses collection until specified response.","S022 §1692g(a)(5), (b); S024 §1006.38(c)","Same-creditor special response available. High."],["C042","Late dispute does not trigger §1692g automatic pause.","S022; S024","State and other federal duties can remain. High."],["C043","Failure to dispute is not a legal admission.","S022 §1692g(c); S024 §1006.38(d)(1)","Does not decide later evidentiary issues. High."],["C044","Duplicative dispute requires substantial sameness, prior compliant response, and no new/material information.","S024 §1006.38(a)","Narrow definition. High."],["C045","New material information prevents duplicative treatment; cancelled check is official example.","S024 comment 38(a)(1)-2","Material if reasonably likely to change verification. High."],["C046","Model B-1 safe harbor is limited to specified information/form requirements and is not mandatory.","S023 §1006.34(d)(2); S027","No safe harbor for inaccurate facts or failed delivery. High."],["C047","Electronic required disclosure must be reasonably expected to provide actual notice and be keepable/access later.","S025 §1006.42(a)","Undeliverability defeats that attempt. High."],["C048","Electronic validation and specified responses require E-SIGN §101(c) compliance.","S025 §1006.42(b); 15 U.S.C. §7001(c)","Affirmative consent and disclosures required. High."],["C049","Consumer’s accepted electronic dispute/request can satisfy “in writing.”","S024 official interpretation","Medium must be one collector accepts. High."],["C050","Regulation F compliance evidence is retained until three years after last activity; recordings, if made, three years from call.","S026 §1006.100","Does not require creating every possible record. High."],["C051","Federal law preserves noninconsistent and more protective state requirements.","S026 §1006.104","Actual conflict analysis can be issue-specific. High."],["C052","Walton defines federal verification as confirming accurate transmission of creditor’s claim.","S028, printed pp. 4–5 / zero pp. 3–4","Seventh Circuit controlling. High."],["C053","Federal verification does not universally require original signed contract or merits investigation.","S022, S028","Another law or case facts can require more. High."],["C054","Lavallee rejects multistep linked access as sufficient on its pre-Reg F facts.","S029, printed pp. 2–5 / zero pp. 1–4","Current electronic rule now controls prospectively. High, limited."],["C055","Janetos requires clear current-creditor identification without extrinsic confusion evidence where disclosure is absent/unclear.","S030, printed pp. 2–3, 6–8, 14","Particular statutory identity field. High."],["C056","Bartlett prohibits unexplained shorter demands that overshadow 30-day rights.","S031, 128 F.3d at 499–502","Communication-specific. High."],["C057","Jang permits collector to cease rather than verify.","S032, 122 F.3d at 483–84","No restart without satisfying applicable condition. High."],["C058","Rsidue held that the purchaser there was not a WCA creditor for §425.109 pleading duties.","S034 ¶¶11–14, 25","Not universal WCA or prelitigation exemption. High, narrow."],["C059","No published controlling Wisconsin decision was located defining §422.409 “seasonably” or universal reasonable-proof contents.","Bounded searches; S011, S034","Search-gap statement only. Medium."],["C060","Commercial debt generally lacks chapter 422 and FDCPA validation but may fall under ch. 74 and §409.406.","S004, S013, S015–S016, S021","Agricultural/ch.427 and contractual elections require care. High."],["C061","No automatic private remedy or standing follows from every documentation defect.","Authorities above; remedies intentionally deferred","Injury, causation, actor, and enforcement route remain open. High caution."],["C062","Failure to validate or produce a requested document does not automatically extinguish the debt.","S010–S013, S022–S024, S032","Immediate consequence depends on authority. High."],["C063","No actual debt, provider, owner, servicer, contract, notice, balance, or deadline was adjudicated.","Scope limitation","No individualized legal conclusion. Certain."]]},{"headers":["Assigned issue","Status","Claims","Exact missing evidence or next action"],"index":7,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claims","Exact missing evidence or next action"],["Universal Wisconsin initial validation notice","Answered as bounded negative","C001","Search any sector statute or unpublished DFI order when a specific debt type is known"],["WCA customer/consumer-credit predicates","Answered","C002–C004","Apply actual purpose, amount, installment/finance-charge, and nexus facts"],["Current/future amount exclusion","Answered","C004","Recheck on or after Jan. 1, 2027"],["First-lien mortgage WCA tension","Partial","C002","Determine inclusion/election and complete mortgage-servicing pass"],["Original-creditor transaction copies","Answered","C005–C007","Actual retention period and document signatures"],["Cash/evidence-of-payment receipt","Answered","C008","Actual payment method"],["Closed-end account statement","Answered","C009, C011","Actual creditor status and transaction coverage"],["Open-end account statement","Answered","C010–C011","Actual plan status; federal periodic statements deferred"],["General periodic-statement duty","Partial/held","C009–C011","TILA/Reg Z and sector-specific investigation"],["Open-end initial application disclosures","Answered narrowly","S009","Not treated as continuing validation duty"],["DFI-WCA 1.36 actor and trigger","Answered","C012","Actual writing, recipient, bill/statement, authorization"],["DFI-WCA 1.36 ordinary deadline","Answered","C013","State counting, receipt, and electronic-writing rules"],["Open-end billing-cycle deadline","Answered","C014","Actual cycle dates"],["Payment-instrument exception","Answered","C015","Actual conspicuous routing disclosure"],["State disputed-status interval","Answered","C016, C023","Actual notice and response dates"],["State collection pause","Answered as not established generally","C017","Separate federal or sector predicates"],["Consumer-credit assignment notice","Answered","C018–C019","Actual contract, notice, address, payment schedule"],["Assignment proof request","Answered textually","C020","No controlling proof-content or timing case located"],["“Seasonably” definition","Unresolved","C059","Published/unpublished DFI order, Wisconsin case, or UCC authority"],["Complete chain-of-title duty","Unresolved/not universally established","C020, C053, C059","Actual multistep assignment and governing transaction law"],["UCC commercial assignment proof","Answered generally","C022, C060","Receivable classification and §409.406(8) interaction"],["Original creditor versus assignee","Answered generally","C003, C018–C020, C058","Actual business role and ownership"],["Debt-buyer WCA creditor status","Partial","C058","Provision-specific analysis; do not universalize Rsidue"],["Servicer documentation duties","Partial","C002, C032","Default timing, owner, agency, license, and transaction facts"],["Attorney documentation duties","Partial","C032","Actor status and representation facts"],["Licensed-agency internal records","Answered","C024–C026","Full examination/security pass later"],["Licensed-agency payment history","Answered","C027","Ch. 74 business-day counting rule unresolved"],["Paid/settled receipt","Answered","C028","Actual full-payment or settlement status"],["Record backup as consumer access","Answered negatively","C029","None"],["Creditor/forwarder report as debtor right","Answered negatively","C030","None"],["State predecessor-successor transfer duty","Unresolved/bounded negative","C031","Private placement contract, DFI orders, other sector law"],["Federal covered debt/actor","Answered gateway only","C032–C033","Actual debt purpose, owner, default, principal purpose, exclusion"],["Initial federal notice timing","Answered","C034","Actual initial communication and payment date"],["Initial validation content","Answered","C035–C037","Actual notice"],["Current-creditor clarity","Answered","C035, C055","Actual wording"],["Itemization date","Answered","C036","Source amount at chosen date"],["Interest/fee/payment/credit fields","Answered","C037","Underlying charge authorization excluded"],["Validation-period calculation","Answered relatively","C038","Actual provision date, medium, federal holidays, nonreceipt"],["Oral dispute effect","Answered","C039","Actual communication and collector knowledge"],["Timely written dispute","Answered","C040","Actual receipt and validation-period end"],["Original-creditor request","Answered","C041","Written timing and actor coverage"],["Late dispute","Answered federally","C042–C043","State/sector crossover facts"],["Duplicative dispute","Answered","C044–C045","Compare prior dispute, response, and new evidence"],["Verification content","Answered at federal minimum","C052–C053","Another statute or material factual issue may require more"],["Collector stopping instead of verifying","Answered","C057","Later restart or transfer remains factual"],["Model-form status","Answered","C046","Actual form and modifications"],["Electronic collector delivery","Answered federally","C047–C048, C054","E-SIGN consent and delivery evidence"],["Electronic consumer dispute","Answered federally","C049","Collector-accepted medium"],["State electronic “writing”","Unresolved","C013","Wisconsin electronic-transactions and agency construction pass"],["Federal record retention","Answered","C050","Actual last activity date and records"],["State-law preservation","Answered","C051","Issue-specific inconsistency if asserted"],["No automatic debt extinguishment","Answered","C062","Specific remedy branch later"],["Remedies, standing, damages","Excluded except caution","C061","Full private/public enforcement pass"],["Credit reporting/FCRA","Excluded","—","Separate reporting, furnisher, investigation, and blocking pass"],["Identity theft","Excluded","—","FCRA §605B and related state law pass"],["Lawsuit proof/admissibility","Excluded","—","Business-record foundation, assignment proof, account stated, pleading pass"],["Service/default/judgment","Excluded","—","Separate litigation pass"],["Limitations/revival","Excluded","—","Separate limitations pass"],["Garnishment/secured remedies","Excluded","—","Separate remedies passes"],["Medical, utility, mortgage, tax, student, government sectors","Excluded except necessary general boundary","—","Individual sector investigations"],["Local/tribal/country law","Excluded","—","Separate jurisdiction passes"],["Actual provider or borrower","Excluded","C063","No named-company or private-record lookup"],["PASS-01/PASS-02 acceptance","Not implied","—","Coordinator review remains separate"],["Parent Wisconsin/A066 acceptance","Not implied","—","All remaining dimensions remain required"]]}],"claims":[{"claim_id":"S_WI-P03-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WI-P03-C001","Precise assertion":"No single universal Wisconsin §1692g-equivalent notice was verified in the bounded chapters/rules reviewed.","Source IDs and exact pinpoints":"S002–S020","Predicates, exceptions, consequence, and confidence":"Bounded negative finding, not proof no sector-specific or unpublished authority exists. Medium-high."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"claim_id":"S_WI-P03-C001","coordinator_pass_scoped_alias":"S_WI-P03-C001","researcher_assertion":"No single universal Wisconsin §1692g-equivalent notice was verified in the bounded chapters/rules reviewed.","source_pointer":"S002–S020","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"Chapter 422 rights depend on WCA customer, transaction, creditor/merchant, exclusion, and Wisconsin-nexus predicates.","Source IDs and exact pinpoints":"S002–S004; §§421.201, .202, .301","Predicates, exceptions, consequence, and confidence":"Actor and transaction facts required. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C002","coordinator_pass_scoped_alias":"S_WI-P03-C002","researcher_assertion":"Chapter 422 rights depend on WCA customer, transaction, creditor/merchant, exclusion, and Wisconsin-nexus predicates.","source_pointer":"S002–S004; §§421.201, .202, .301","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"Original-creditor status ordinarily removes federal §1692g coverage but not applicable Wisconsin WCA or chapter 427 duties.","Source IDs and exact pinpoints":"S003, S019, S021","Predicates, exceptions, consequence, and confidence":"False-name and other federal branches remain exceptions. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C003","coordinator_pass_scoped_alias":"S_WI-P03-C003","researcher_assertion":"Original-creditor status ordinarily removes federal §1692g coverage but not applicable Wisconsin WCA or chapter 427 duties.","source_pointer":"S003, S019, S021","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"Current general WCA amount is $25,000; Act 105 changes it to $50,000 on Jan. 1, 2027.","Source IDs and exact pinpoints":"S001, S004; §421.202(6)","Predicates, exceptions, consequence, and confidence":"Future provision not current on access date. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C004","coordinator_pass_scoped_alias":"S_WI-P03-C004","researcher_assertion":"Current general WCA amount is $25,000; Act 105 changes it to $50,000 on Jan. 1, 2027.","source_pointer":"S001, S004; §421.202(6)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"§422.302(3) requires exact copies of signed obligation documents before payment is due.","Source IDs and exact pinpoints":"S005, §422.302(3)","Predicates, exceptions, consequence, and confidence":"Qualifying WCA creditor/transaction only. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C005","coordinator_pass_scoped_alias":"S_WI-P03-C005","researcher_assertion":"§422.302(3) requires exact copies of signed obligation documents before payment is due.","source_pointer":"S005, §422.302(3)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"§422.303(5) requires limited retention and one free copy on demand during the retention period.","Source IDs and exact pinpoints":"S006, §422.303(5)","Predicates, exceptions, consequence, and confidence":"Non-open-end; earlier of stated one-year endpoints. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C006","coordinator_pass_scoped_alias":"S_WI-P03-C006","researcher_assertion":"§422.303(5) requires limited retention and one free copy on demand during the retention period.","source_pointer":"S006, §422.303(5)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"§422.305 supplies copy/explanation rights for a natural person assuming personal liability.","Source IDs and exact pinpoints":"S007, §422.305(1)–(2)","Predicates, exceptions, consequence, and confidence":"Qualifying transaction and obligor facts required. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C007","coordinator_pass_scoped_alias":"S_WI-P03-C007","researcher_assertion":"§422.305 supplies copy/explanation rights for a natural person assuming personal liability.","source_pointer":"S007, §422.305(1)–(2)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"§422.306(1) requires a written receipt for cash or another payment method lacking inherent evidence.","Source IDs and exact pinpoints":"S008, §422.306(1)","Predicates, exceptions, consequence, and confidence":"Qualifying creditor/customer. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C008","coordinator_pass_scoped_alias":"S_WI-P03-C008","researcher_assertion":"§422.306(1) requires a written receipt for cash or another payment method lacking inherent evidence.","source_pointer":"S008, §422.306(1)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"Closed-end written request yields payment dates/amounts, charges, and unpaid balance.","Source IDs and exact pinpoints":"S008, §422.306(2)","Predicates, exceptions, consequence, and confidence":"Does not itself require contract or assignment chain. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C009","coordinator_pass_scoped_alias":"S_WI-P03-C009","researcher_assertion":"Closed-end written request yields payment dates/amounts, charges, and unpaid balance.","source_pointer":"S008, §422.306(2)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"Open-end written request yields prior 12 months’ credit/purchases/payments and unpaid balance.","Source IDs and exact pinpoints":"S008, §422.306(3)","Predicates, exceptions, consequence, and confidence":"One per 12 months may cost up to $1. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C010","coordinator_pass_scoped_alias":"S_WI-P03-C010","researcher_assertion":"Open-end written request yields prior 12 months’ credit/purchases/payments and unpaid balance.","source_pointer":"S008, §422.306(3)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"§422.306 contains no general numeric response deadline for requested statements.","Source IDs and exact pinpoints":"S008","Predicates, exceptions, consequence, and confidence":"DFI-WCA 1.36 can add timing when an existing bill/statement is questioned. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C011","coordinator_pass_scoped_alias":"S_WI-P03-C011","researcher_assertion":"§422.306 contains no general numeric response deadline for requested statements.","source_pointer":"S008","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"DFI-WCA 1.36 applies to a written bill/statement question by customer or authorized representative to merchant or notified assignee.","Source IDs and exact pinpoints":"S010, complete rule","Predicates, exceptions, consequence, and confidence":"Payment-instrument placement exception. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C012","coordinator_pass_scoped_alias":"S_WI-P03-C012","researcher_assertion":"DFI-WCA 1.36 applies to a written bill/statement question by customer or authorized representative to merchant or notified assignee.","source_pointer":"S010, complete rule","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"Ordinary DFI-WCA 1.36 response is due within 30 days after receipt.","Source IDs and exact pinpoints":"S010","Predicates, exceptions, consequence, and confidence":"State counting/electronic receipt details unresolved. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C013","coordinator_pass_scoped_alias":"S_WI-P03-C013","researcher_assertion":"Ordinary DFI-WCA 1.36 response is due within 30 days after receipt.","source_pointer":"S010","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"Open-end response is due within two complete billing cycles, never more than 90 days after receipt.","Source IDs and exact pinpoints":"S010","Predicates, exceptions, consequence, and confidence":"Same form and receipt limits. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C014","coordinator_pass_scoped_alias":"S_WI-P03-C014","researcher_assertion":"Open-end response is due within two complete billing cycles, never more than 90 days after receipt.","source_pointer":"S010","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"Inquiry on payment instrument or returnable statement portion can be unacknowledged if conspicuous routing disclosure was supplied.","Source IDs and exact pinpoints":"S010","Predicates, exceptions, consequence, and confidence":"Every condition must be met. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C015","coordinator_pass_scoped_alias":"S_WI-P03-C015","researcher_assertion":"Inquiry on payment instrument or returnable statement portion can be unacknowledged if conspicuous routing disclosure was supplied.","source_pointer":"S010","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"The account is reasonably disputed from notice to merchant until response.","Source IDs and exact pinpoints":"S010; cross-reference §427.104(1)(f)","Predicates, exceptions, consequence, and confidence":"Status interval, not automatic debt invalidity. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C016","coordinator_pass_scoped_alias":"S_WI-P03-C016","researcher_assertion":"The account is reasonably disputed from notice to merchant until response.","source_pointer":"S010; cross-reference §427.104(1)(f)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"DFI-WCA 1.36 does not expressly impose a general collection pause or mandatory document packet.","Source IDs and exact pinpoints":"S010","Predicates, exceptions, consequence, and confidence":"Federal or other law can independently pause collection. High textual finding."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C017","coordinator_pass_scoped_alias":"S_WI-P03-C017","researcher_assertion":"DFI-WCA 1.36 does not expressly impose a general collection pause or mandatory document packet.","source_pointer":"S010","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"Under §422.409, customer may pay assignor until effective assignment/payment notice.","Source IDs and exact pinpoints":"S011, §422.409(1)","Predicates, exceptions, consequence, and confidence":"Qualifying consumer-credit transaction. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C018","coordinator_pass_scoped_alias":"S_WI-P03-C018","researcher_assertion":"Under §422.409, customer may pay assignor until effective assignment/payment notice.","source_pointer":"S011, §422.409(1)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise assertion":"§422.409 notice has specified written identity, contract-identification, payment, and total-payment content.","Source IDs and exact pinpoints":"S011, §422.409(2); S012","Predicates, exceptions, consequence, and confidence":"Contract may be copied or identified. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C019","coordinator_pass_scoped_alias":"S_WI-P03-C019","researcher_assertion":"§422.409 notice has specified written identity, contract-identification, payment, and total-payment content.","source_pointer":"S011, §422.409(2); S012","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"Assignee must seasonably furnish reasonable proof on request; until then customer may pay assignor.","Source IDs and exact pinpoints":"S011, §422.409(1)","Predicates, exceptions, consequence, and confidence":"No fixed deadline or universal proof form found. High text; medium application."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C020","coordinator_pass_scoped_alias":"S_WI-P03-C020","researcher_assertion":"Assignee must seasonably furnish reasonable proof on request; until then customer may pay assignor.","source_pointer":"S011, §422.409(1)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"DFI-WCA 1.37/1.371 govern joint notice and changed address.","Source IDs and exact pinpoints":"S012","Predicates, exceptions, consequence, and confidence":"Assignment-notice branch only. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C021","coordinator_pass_scoped_alias":"S_WI-P03-C021","researcher_assertion":"DFI-WCA 1.37/1.371 govern joint notice and changed address.","source_pointer":"S012","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"§409.406 supplies a similar UCC payment-direction/proof rule for specified receivables, including commercial contexts.","Source IDs and exact pinpoints":"S013, §409.406(1)–(3), (8)","Predicates, exceptions, consequence, and confidence":"Subject to consumer-law differences and receivable exclusions. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C022","coordinator_pass_scoped_alias":"S_WI-P03-C022","researcher_assertion":"§409.406 supplies a similar UCC payment-direction/proof rule for specified receivables, including commercial contexts.","source_pointer":"S013, §409.406(1)–(3), (8)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"State law requires disclosure of known disputed status when the debt is disclosed or threatened to be disclosed.","Source IDs and exact pinpoints":"S018 §74.16(7); S019 §427.104(1)(f)","Predicates, exceptions, consequence, and confidence":"Actor/transaction scope differs; no universal validation pause. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C023","coordinator_pass_scoped_alias":"S_WI-P03-C023","researcher_assertion":"State law requires disclosure of known disputed status when the debt is disclosed or threatened to be disclosed.","source_pointer":"S018 §74.16(7); S019 §427.104(1)(f)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"DFI-Bkg 74.07 requires detailed licensed-agency account ledgers.","Source IDs and exact pinpoints":"S015","Predicates, exceptions, consequence, and confidence":"Internal record requirement; not complete consumer access. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C024","coordinator_pass_scoped_alias":"S_WI-P03-C024","researcher_assertion":"DFI-Bkg 74.07 requires detailed licensed-agency account ledgers.","source_pointer":"S015","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"§218.04(10)(b) requires at least six-year collection-agency business-record retention.","Source IDs and exact pinpoints":"S014","Predicates, exceptions, consequence, and confidence":"Start-point details and claim access deferred. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C025","coordinator_pass_scoped_alias":"S_WI-P03-C025","researcher_assertion":"§218.04(10)(b) requires at least six-year collection-agency business-record retention.","source_pointer":"S014","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"Licensed agency must issue payment receipt absent another positive payment record.","Source IDs and exact pinpoints":"S015","Predicates, exceptions, consequence, and confidence":"Specific receipt content required. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C026","coordinator_pass_scoped_alias":"S_WI-P03-C026","researcher_assertion":"Licensed agency must issue payment receipt absent another positive payment record.","source_pointer":"S015","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"Written request yields qualifying licensed-agency payment history within ten business days.","Source IDs and exact pinpoints":"S016 §74.11(8)","Predicates, exceptions, consequence, and confidence":"Only agency possession period; ch. 74 business-day counting unresolved. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C027","coordinator_pass_scoped_alias":"S_WI-P03-C027","researcher_assertion":"Written request yields qualifying licensed-agency payment history within ten business days.","source_pointer":"S016 §74.11(8)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise assertion":"Written request after full payment/settlement yields free receipt within ten business days.","Source IDs and exact pinpoints":"S016 §74.11(7)","Predicates, exceptions, consequence, and confidence":"Full payment/settlement predicate. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C028","coordinator_pass_scoped_alias":"S_WI-P03-C028","researcher_assertion":"Written request after full payment/settlement yields free receipt within ten business days.","source_pointer":"S016 §74.11(7)","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise assertion":"Record backup duty does not itself create consumer furnishing right.","Source IDs and exact pinpoints":"S018 §74.17","Predicates, exceptions, consequence, and confidence":"High textual finding."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C029","coordinator_pass_scoped_alias":"S_WI-P03-C029","researcher_assertion":"Record backup duty does not itself create consumer furnishing right.","source_pointer":"S018 §74.17","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Precise assertion":"DFI-Bkg 74.09’s 30-day report is for creditor/forwarder, not debtor.","Source IDs and exact pinpoints":"S017 §74.09","Predicates, exceptions, consequence, and confidence":"Do not repurpose as consumer right. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C030","coordinator_pass_scoped_alias":"S_WI-P03-C030","researcher_assertion":"DFI-Bkg 74.09’s 30-day report is for creditor/forwarder, not debtor.","source_pointer":"S017 §74.09","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise assertion":"No universal Wisconsin predecessor-to-successor dispute-file transfer duty was verified.","Source IDs and exact pinpoints":"S011–S019","Predicates, exceptions, consequence, and confidence":"Bounded negative; private contracts and other law remain. Medium-high."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C031","coordinator_pass_scoped_alias":"S_WI-P03-C031","researcher_assertion":"No universal Wisconsin predecessor-to-successor dispute-file transfer duty was verified.","source_pointer":"S011–S019","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise assertion":"Federal validation applies only to covered consumer debt and covered debt collector.","Source IDs and exact pinpoints":"S021, §1692a(3), (5), (6)","Predicates, exceptions, consequence, and confidence":"Original-creditor, false-name, servicer, security, and other exclusions matter. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C032","coordinator_pass_scoped_alias":"S_WI-P03-C032","researcher_assertion":"Federal validation applies only to covered consumer debt and covered debt collector.","source_pointer":"S021, §1692a(3), (5), (6)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise assertion":"Henson resolves only the “owed another” branch for a purchased owner and leaves principal-purpose coverage open.","Source IDs and exact pinpoints":"S033, printed pp. 3–5 / zero pp. 2–4","Predicates, exceptions, consequence, and confidence":"Federal holding only. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C033","coordinator_pass_scoped_alias":"S_WI-P03-C033","researcher_assertion":"Henson resolves only the “owed another” branch for a purchased owner and leaves principal-purpose coverage open.","source_pointer":"S033, printed pp. 3–5 / zero pp. 2–4","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise assertion":"Validation information is due initially or within five days, subject to statutory/regulatory exceptions.","Source IDs and exact pinpoints":"S022 §1692g(a); S023 §1006.34(a)","Predicates, exceptions, consequence, and confidence":"Formal pleadings and specified notices excluded. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C034","coordinator_pass_scoped_alias":"S_WI-P03-C034","researcher_assertion":"Validation information is due initially or within five days, subject to statutory/regulatory exceptions.","source_pointer":"S022 §1692g(a); S023 §1006.34(a)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise assertion":"Current validation information includes collector, consumer, current creditor, account, amount, and protection information.","Source IDs and exact pinpoints":"S023 §1006.34(c)","Predicates, exceptions, consequence, and confidence":"Some fields depend on product/debt type. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C035","coordinator_pass_scoped_alias":"S_WI-P03-C035","researcher_assertion":"Current validation information includes collector, consumer, current creditor, account, amount, and protection information.","source_pointer":"S023 §1006.34(c)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise assertion":"Collector chooses one of five itemization dates and uses it consistently; successor may choose another eligible date.","Source IDs and exact pinpoints":"S023 §1006.34(b)(3) and comments","Predicates, exceptions, consequence, and confidence":"Date must be one for which amount can be ascertained. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C036","coordinator_pass_scoped_alias":"S_WI-P03-C036","researcher_assertion":"Collector chooses one of five itemization dates and uses it consistently; successor may choose another eligible date.","source_pointer":"S023 §1006.34(b)(3) and comments","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise assertion":"Interest, fees, payments, and credits fields must appear and cannot be blank.","Source IDs and exact pinpoints":"S023 §1006.34(c)(2)(viii) comment 1","Predicates, exceptions, consequence, and confidence":"Zero/none permitted. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C037","coordinator_pass_scoped_alias":"S_WI-P03-C037","researcher_assertion":"Interest, fees, payments, and credits fields must appear and cannot be blank.","source_pointer":"S023 §1006.34(c)(2)(viii) comment 1","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Precise assertion":"Validation end date uses receipt or permissible assumed receipt; subsequent notice after nonreceipt resets it.","Source IDs and exact pinpoints":"S023 §1006.34(b)(5) comments 1–2","Predicates, exceptions, consequence, and confidence":"Five-day assumption excludes weekends/federal holidays. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C038","coordinator_pass_scoped_alias":"S_WI-P03-C038","researcher_assertion":"Validation end date uses receipt or permissible assumed receipt; subsequent notice after nonreceipt resets it.","source_pointer":"S023 §1006.34(b)(5) comments 1–2","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Precise assertion":"Oral/contact dispute can prevent collector’s assumption of validity but does not ordinarily trigger §1692g(b) pause.","Source IDs and exact pinpoints":"S022 §1692g(a)(3)–(b); S023 §1006.34(c)(3)","Predicates, exceptions, consequence, and confidence":"Other law can attach consequences. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C039","coordinator_pass_scoped_alias":"S_WI-P03-C039","researcher_assertion":"Oral/contact dispute can prevent collector’s assumption of validity but does not ordinarily trigger §1692g(b) pause.","source_pointer":"S022 §1692g(a)(3)–(b); S023 §1006.34(c)(3)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Precise assertion":"Timely written dispute pauses disputed debt/portion until verification or judgment is sent.","Source IDs and exact pinpoints":"S022 §1692g(b); S024 §1006.38(d)(2)","Predicates, exceptions, consequence, and confidence":"Covered actor/debt and validation-period timing required. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C040","coordinator_pass_scoped_alias":"S_WI-P03-C040","researcher_assertion":"Timely written dispute pauses disputed debt/portion until verification or judgment is sent.","source_pointer":"S022 §1692g(b); S024 §1006.38(d)(2)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Precise assertion":"Timely written original-creditor request pauses collection until specified response.","Source IDs and exact pinpoints":"S022 §1692g(a)(5), (b); S024 §1006.38(c)","Predicates, exceptions, consequence, and confidence":"Same-creditor special response available. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C041","coordinator_pass_scoped_alias":"S_WI-P03-C041","researcher_assertion":"Timely written original-creditor request pauses collection until specified response.","source_pointer":"S022 §1692g(a)(5), (b); S024 §1006.38(c)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Precise assertion":"Late dispute does not trigger §1692g automatic pause.","Source IDs and exact pinpoints":"S022; S024","Predicates, exceptions, consequence, and confidence":"State and other federal duties can remain. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C042","coordinator_pass_scoped_alias":"S_WI-P03-C042","researcher_assertion":"Late dispute does not trigger §1692g automatic pause.","source_pointer":"S022; S024","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Precise assertion":"Failure to dispute is not a legal admission.","Source IDs and exact pinpoints":"S022 §1692g(c); S024 §1006.38(d)(1)","Predicates, exceptions, consequence, and confidence":"Does not decide later evidentiary issues. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C043","coordinator_pass_scoped_alias":"S_WI-P03-C043","researcher_assertion":"Failure to dispute is not a legal admission.","source_pointer":"S022 §1692g(c); S024 §1006.38(d)(1)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Precise assertion":"Duplicative dispute requires substantial sameness, prior compliant response, and no new/material information.","Source IDs and exact pinpoints":"S024 §1006.38(a)","Predicates, exceptions, consequence, and confidence":"Narrow definition. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C044","coordinator_pass_scoped_alias":"S_WI-P03-C044","researcher_assertion":"Duplicative dispute requires substantial sameness, prior compliant response, and no new/material information.","source_pointer":"S024 §1006.38(a)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C045","Precise assertion":"New material information prevents duplicative treatment; cancelled check is official example.","Source IDs and exact pinpoints":"S024 comment 38(a)(1)-2","Predicates, exceptions, consequence, and confidence":"Material if reasonably likely to change verification. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C045","coordinator_pass_scoped_alias":"S_WI-P03-C045","researcher_assertion":"New material information prevents duplicative treatment; cancelled check is official example.","source_pointer":"S024 comment 38(a)(1)-2","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Precise assertion":"Model B-1 safe harbor is limited to specified information/form requirements and is not mandatory.","Source IDs and exact pinpoints":"S023 §1006.34(d)(2); S027","Predicates, exceptions, consequence, and confidence":"No safe harbor for inaccurate facts or failed delivery. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C046","coordinator_pass_scoped_alias":"S_WI-P03-C046","researcher_assertion":"Model B-1 safe harbor is limited to specified information/form requirements and is not mandatory.","source_pointer":"S023 §1006.34(d)(2); S027","coordinator_status":"bounded_revision_UNSENT","related_findings":["S_WI-P03-Q001"],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Precise assertion":"Electronic required disclosure must be reasonably expected to provide actual notice and be keepable/access later.","Source IDs and exact pinpoints":"S025 §1006.42(a)","Predicates, exceptions, consequence, and confidence":"Undeliverability defeats that attempt. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C047","coordinator_pass_scoped_alias":"S_WI-P03-C047","researcher_assertion":"Electronic required disclosure must be reasonably expected to provide actual notice and be keepable/access later.","source_pointer":"S025 §1006.42(a)","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Precise assertion":"Electronic validation and specified responses require E-SIGN §101(c) compliance.","Source IDs and exact pinpoints":"S025 §1006.42(b); 15 U.S.C. §7001(c)","Predicates, exceptions, consequence, and confidence":"Affirmative consent and disclosures required. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C048","coordinator_pass_scoped_alias":"S_WI-P03-C048","researcher_assertion":"Electronic validation and specified responses require E-SIGN §101(c) compliance.","source_pointer":"S025 §1006.42(b); 15 U.S.C. §7001(c)","coordinator_status":"bounded_revision_UNSENT","related_findings":["S_WI-P03-Q002"],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Precise assertion":"Consumer’s accepted electronic dispute/request can satisfy “in writing.”","Source IDs and exact pinpoints":"S024 official interpretation","Predicates, exceptions, consequence, and confidence":"Medium must be one collector accepts. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C049","coordinator_pass_scoped_alias":"S_WI-P03-C049","researcher_assertion":"Consumer’s accepted electronic dispute/request can satisfy “in writing.”","source_pointer":"S024 official interpretation","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Precise assertion":"Regulation F compliance evidence is retained until three years after last activity; recordings, if made, three years from call.","Source IDs and exact pinpoints":"S026 §1006.100","Predicates, exceptions, consequence, and confidence":"Does not require creating every possible record. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C050","coordinator_pass_scoped_alias":"S_WI-P03-C050","researcher_assertion":"Regulation F compliance evidence is retained until three years after last activity; recordings, if made, three years from call.","source_pointer":"S026 §1006.100","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Precise assertion":"Federal law preserves noninconsistent and more protective state requirements.","Source IDs and exact pinpoints":"S026 §1006.104","Predicates, exceptions, consequence, and confidence":"Actual conflict analysis can be issue-specific. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C051","coordinator_pass_scoped_alias":"S_WI-P03-C051","researcher_assertion":"Federal law preserves noninconsistent and more protective state requirements.","source_pointer":"S026 §1006.104","coordinator_status":"selected_federal_primary_text_compared_conditions_retained","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C052","Precise assertion":"Walton defines federal verification as confirming accurate transmission of creditor’s claim.","Source IDs and exact pinpoints":"S028, printed pp. 4–5 / zero pp. 3–4","Predicates, exceptions, consequence, and confidence":"Seventh Circuit controlling. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C052","coordinator_pass_scoped_alias":"S_WI-P03-C052","researcher_assertion":"Walton defines federal verification as confirming accurate transmission of creditor’s claim.","source_pointer":"S028, printed pp. 4–5 / zero pp. 3–4","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C053","Precise assertion":"Federal verification does not universally require original signed contract or merits investigation.","Source IDs and exact pinpoints":"S022, S028","Predicates, exceptions, consequence, and confidence":"Another law or case facts can require more. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C053","coordinator_pass_scoped_alias":"S_WI-P03-C053","researcher_assertion":"Federal verification does not universally require original signed contract or merits investigation.","source_pointer":"S022, S028","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C054","Precise assertion":"Lavallee rejects multistep linked access as sufficient on its pre-Reg F facts.","Source IDs and exact pinpoints":"S029, printed pp. 2–5 / zero pp. 1–4","Predicates, exceptions, consequence, and confidence":"Current electronic rule now controls prospectively. High, limited."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C054","coordinator_pass_scoped_alias":"S_WI-P03-C054","researcher_assertion":"Lavallee rejects multistep linked access as sufficient on its pre-Reg F facts.","source_pointer":"S029, printed pp. 2–5 / zero pp. 1–4","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C055","Precise assertion":"Janetos requires clear current-creditor identification without extrinsic confusion evidence where disclosure is absent/unclear.","Source IDs and exact pinpoints":"S030, printed pp. 2–3, 6–8, 14","Predicates, exceptions, consequence, and confidence":"Particular statutory identity field. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C055","coordinator_pass_scoped_alias":"S_WI-P03-C055","researcher_assertion":"Janetos requires clear current-creditor identification without extrinsic confusion evidence where disclosure is absent/unclear.","source_pointer":"S030, printed pp. 2–3, 6–8, 14","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C056","Precise assertion":"Bartlett prohibits unexplained shorter demands that overshadow 30-day rights.","Source IDs and exact pinpoints":"S031, 128 F.3d at 499–502","Predicates, exceptions, consequence, and confidence":"Communication-specific. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C056","coordinator_pass_scoped_alias":"S_WI-P03-C056","researcher_assertion":"Bartlett prohibits unexplained shorter demands that overshadow 30-day rights.","source_pointer":"S031, 128 F.3d at 499–502","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C057","Precise assertion":"Jang permits collector to cease rather than verify.","Source IDs and exact pinpoints":"S032, 122 F.3d at 483–84","Predicates, exceptions, consequence, and confidence":"No restart without satisfying applicable condition. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C057","coordinator_pass_scoped_alias":"S_WI-P03-C057","researcher_assertion":"Jang permits collector to cease rather than verify.","source_pointer":"S032, 122 F.3d at 483–84","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C058","Precise assertion":"Rsidue held that the purchaser there was not a WCA creditor for §425.109 pleading duties.","Source IDs and exact pinpoints":"S034 ¶¶11–14, 25","Predicates, exceptions, consequence, and confidence":"Not universal WCA or prelitigation exemption. High, narrow."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C058","coordinator_pass_scoped_alias":"S_WI-P03-C058","researcher_assertion":"Rsidue held that the purchaser there was not a WCA creditor for §425.109 pleading duties.","source_pointer":"S034 ¶¶11–14, 25","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C059","Precise assertion":"No published controlling Wisconsin decision was located defining §422.409 “seasonably” or universal reasonable-proof contents.","Source IDs and exact pinpoints":"Bounded searches; S011, S034","Predicates, exceptions, consequence, and confidence":"Search-gap statement only. Medium."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C059","coordinator_pass_scoped_alias":"S_WI-P03-C059","researcher_assertion":"No published controlling Wisconsin decision was located defining §422.409 “seasonably” or universal reasonable-proof contents.","source_pointer":"Bounded searches; S011, S034","coordinator_status":"judicial_dependency_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":true},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C060","Precise assertion":"Commercial debt generally lacks chapter 422 and FDCPA validation but may fall under ch. 74 and §409.406.","Source IDs and exact pinpoints":"S004, S013, S015–S016, S021","Predicates, exceptions, consequence, and confidence":"Agricultural/ch.427 and contractual elections require care. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C060","coordinator_pass_scoped_alias":"S_WI-P03-C060","researcher_assertion":"Commercial debt generally lacks chapter 422 and FDCPA validation but may fall under ch. 74 and §409.406.","source_pointer":"S004, S013, S015–S016, S021","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C061","Precise assertion":"No automatic private remedy or standing follows from every documentation defect.","Source IDs and exact pinpoints":"Authorities above; remedies intentionally deferred","Predicates, exceptions, consequence, and confidence":"Injury, causation, actor, and enforcement route remain open. High caution."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C061","coordinator_pass_scoped_alias":"S_WI-P03-C061","researcher_assertion":"No automatic private remedy or standing follows from every documentation defect.","source_pointer":"Authorities above; remedies intentionally deferred","coordinator_status":"scope_or_caution_no_operational_acceptance","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C062","Precise assertion":"Failure to validate or produce a requested document does not automatically extinguish the debt.","Source IDs and exact pinpoints":"S010–S013, S022–S024, S032","Predicates, exceptions, consequence, and confidence":"Immediate consequence depends on authority. High."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C062","coordinator_pass_scoped_alias":"S_WI-P03-C062","researcher_assertion":"Failure to validate or produce a requested document does not automatically extinguish the debt.","source_pointer":"S010–S013, S022–S024, S032","coordinator_status":"state_primary_or_currentness_unreopened_hold","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"},{"claim_id":"S_WI-C063","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C063","Precise assertion":"No actual debt, provider, owner, servicer, contract, notice, balance, or deadline was adjudicated.","Source IDs and exact pinpoints":"Scope limitation","Predicates, exceptions, consequence, and confidence":"No individualized legal conclusion. Certain."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_review":{"claim_id":"S_WI-C063","coordinator_pass_scoped_alias":"S_WI-P03-C063","researcher_assertion":"No actual debt, provider, owner, servicer, contract, notice, balance, or deadline was adjudicated.","source_pointer":"Scope limitation","coordinator_status":"scope_or_caution_no_operational_acceptance","related_findings":[],"all_underlying_primary_accepted":false,"actual_application_accepted":false,"judicial_dependency_unreopened":false},"coordinator_review_file":"[internal evidence reference]"}],"sources":[{"source_id":"S_WI-P03-S001","urls":["https://docs.legis.wisconsin.gov/document/statutes/1.01","https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1","https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2"],"researcher_record":{"Source ID":"S_WI-P03-S001","Title, issuer, and full literal direct URL":"Wisconsin statute currentness and 2025 Wis. Act 105. https://docs.legis.wisconsin.gov/document/statutes/1.01 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2","Exact pinpoint, version, and legal status":"Current compilation through 2025 Act 247; Act 105 §1 amends §421.202(6); §2 effective Jan. 1, 2027","Access status and limits":"Fresh official check. Current/future distinction verified. \nWisconsin Legislative Documents\n+2"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S001","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S002","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201","https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/"],"researcher_record":{"Source ID":"S_WI-P03-S002","Title, issuer, and full literal direct URL":"Wis. Stat. §421.201, territorial application. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/","Exact pinpoint, version, and legal status":"§421.201, including in-state transactions and ch. 427 collection contacts","Access status and limits":"Official full page failed; current 2025 text freshly read from access copy. No later amendment located."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S002","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S003","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301","https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/"],"researcher_record":{"Source ID":"S_WI-P03-S003","Title, issuer, and full literal direct URL":"Wis. Stat. §421.301, general definitions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","Exact pinpoint, version, and legal status":"§421.301(6), (10), (13), (16), (17), (25), (28)","Access status and limits":"Official integrated page failed; current 2025 text freshly read. \nJustia Law\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S003","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S004","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202","https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/"],"researcher_record":{"Source ID":"S_WI-P03-S004","Title, issuer, and full literal direct URL":"Wis. Stat. §421.202, exclusions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","Exact pinpoint, version, and legal status":"§421.202(1), (2), (6), (7), (10); current $25,000; future Act 105 $50,000","Access status and limits":"Official integrated page failed; current text and future act freshly checked. \nJustia Law\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S004","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S005","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302","https://law.justia.com/codes/wisconsin/chapter-422/section-422-302/","https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302/3"],"researcher_record":{"Source ID":"S_WI-P03-S005","Title, issuer, and full literal direct URL":"Wis. Stat. §422.302, General requirements and provisions. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/302 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-302/","Exact pinpoint, version, and legal status":"§422.302(1)–(3), especially (3) exact copy before payment due","Access status and limits":"Official locator/search freshly checked; access copy freshly read. Current. \nWisconsin Legislative Documents\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S005","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S006","urls":["https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section","https://law.justia.com/codes/wisconsin/chapter-422/section-422-303/"],"researcher_record":{"Source ID":"S_WI-P03-S006","Title, issuer, and full literal direct URL":"Wis. Stat. §422.303, Form requirements other than open-end or discount. Official: https://docs.legis.wisconsin.gov/document/statutes/422.303?view=section Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-303/","Exact pinpoint, version, and legal status":"§422.303(3)–(5), especially retention and copy demand in (5)","Access status and limits":"Official locator returned search text but full page failed; current access copy freshly read. \nWisconsin Legislative Documents\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S006","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S007","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/305","https://law.justia.com/codes/wisconsin/chapter-422/section-422-305/","https://docs.legis.wisconsin.gov/document/statutes/422.305%282%29"],"researcher_record":{"Source ID":"S_WI-P03-S007","Title, issuer, and full literal direct URL":"Wis. Stat. §422.305, Notice to obligors. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/305 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-305/","Exact pinpoint, version, and legal status":"§422.305(1)–(2), natural-person personal liability and copy right","Access status and limits":"Official full page failed; current access copy freshly read. \nWisconsin Legislative Documents\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S007","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S008","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/306","https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/"],"researcher_record":{"Source ID":"S_WI-P03-S008","Title, issuer, and full literal direct URL":"Wis. Stat. §422.306, Receipts; accounting; evidence of payment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/306 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-306/","Exact pinpoint, version, and legal status":"§422.306(1)–(4)","Access status and limits":"Official integrated route failed; current 2025 text freshly read. \nJustia Law"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S008","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S009","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/308","https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/"],"researcher_record":{"Source ID":"S_WI-P03-S009","Title, issuer, and full literal direct URL":"Wis. Stat. §422.308, Open-end credit disclosures. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iii/308 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-308/","Exact pinpoint, version, and legal status":"§422.308(1)–(2), Wisconsin-resident application/entry disclosures","Access status and limits":"Current access copy freshly read; official full-page read not completed. Initial disclosure only. \nJustia Law"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S009","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S010","urls":["https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_wca/1/36/_1?down=1","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36"],"researcher_record":{"Source ID":"S_WI-P03-S010","Title, issuer, and full literal direct URL":"Wis. Admin. Code DFI-WCA 1.36. Official: https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_wca/1/36/_1?down=1 Access copy: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-36","Exact pinpoint, version, and legal status":"Complete rule; effective July 1, 1973; amended effective Nov. 1, 1980; current rule history checked","Access status and limits":"Official direct page timed out; current rule reproduction freshly read in full. \nLegal Information Institute"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S010","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S011","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/422/iv/409","https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/"],"researcher_record":{"Source ID":"S_WI-P03-S011","Title, issuer, and full literal direct URL":"Wis. Stat. §422.409, Notice of assignment. Official: https://docs.legis.wisconsin.gov/statutes/statutes/422/iv/409 Access copy: https://law.justia.com/codes/wisconsin/chapter-422/section-422-409/","Exact pinpoint, version, and legal status":"§422.409(1)–(2), payment direction, notice content, reasonable proof","Access status and limits":"Official full page failed; current 2025 text freshly read. \nJustia Law"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S011","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S012","urls":["https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-37","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-371"],"researcher_record":{"Source ID":"S_WI-P03-S012","Title, issuer, and full literal direct URL":"DFI-WCA 1.37 and 1.371. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-37 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-WCA-1-371","Exact pinpoint, version, and legal status":"Joint-obligor assignment notice and last-address rule","Access status and limits":"Fresh full rule read from current reproduction; official integrated routes not successfully read."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S012","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S013","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/409/vi/406","https://law.justia.com/codes/wisconsin/chapter-409/section-409-406/"],"researcher_record":{"Source ID":"S_WI-P03-S013","Title, issuer, and full literal direct URL":"Wis. Stat. §409.406, Account debtor’s discharge; notification of assignment; proof. Official: https://docs.legis.wisconsin.gov/statutes/statutes/409/vi/406 Access copy: https://law.justia.com/codes/wisconsin/chapter-409/section-409-406/","Exact pinpoint, version, and legal status":"§409.406(1)–(3), (8)","Access status and limits":"Current 2025 text freshly read; official integrated page not successfully retrieved."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S013","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S014","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/218/iii/04","https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/"],"researcher_record":{"Source ID":"S_WI-P03-S014","Title, issuer, and full literal direct URL":"Wis. Stat. §218.04, Collection agencies. Official: https://docs.legis.wisconsin.gov/statutes/statutes/218/iii/04 Access copy: https://law.justia.com/codes/wisconsin/chapter-218/section-218-04/","Exact pinpoint, version, and legal status":"§218.04(10)(b), six-year business-record preservation","Access status and limits":"Fresh read for this narrow provision; official integrated page failed. \nJustia Law"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S014","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S015","urls":["https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07"],"researcher_record":{"Source ID":"S_WI-P03-S015","Title, issuer, and full literal direct URL":"DFI-Bkg 74.07, Books and records. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-07","Exact pinpoint, version, and legal status":"Entire rule: debtor ledger fields and receipts","Access status and limits":"Fresh current-rule reproduction read; official integrated chapter failed. \nLegal Information Institute"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S015","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S016","urls":["https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11"],"researcher_record":{"Source ID":"S_WI-P03-S016","Title, issuer, and full literal direct URL":"DFI-Bkg 74.11, General. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-11","Exact pinpoint, version, and legal status":"Subsections (7)–(8), paid/settled receipt and payment history","Access status and limits":"Fresh current-rule reproduction read; official integrated route failed. \nLegal Information Institute"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S016","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S017","urls":["https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-09","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-10","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-13"],"researcher_record":{"Source ID":"S_WI-P03-S017","Title, issuer, and full literal direct URL":"DFI-Bkg 74.09, 74.10, and 74.13. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-09 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-10 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-13","Exact pinpoint, version, and legal status":"Creditor/forwarder report; return/cancellation; separate Wisconsin license notice","Access status and limits":"Fresh current-rule reproductions read. 74.13 is not a state validation notice."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S017","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S018","urls":["https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-17"],"researcher_record":{"Source ID":"S_WI-P03-S018","Title, issuer, and full literal direct URL":"DFI-Bkg 74.16 and 74.17. https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16 https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-17","Exact pinpoint, version, and legal status":"§74.16(7), disputed status; §74.16(9g)/(9m), other law; §74.17 backup","Access status and limits":"Fresh current-rule reproduction read. \nLegal Information Institute"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S018","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S019","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/427/104","https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/"],"researcher_record":{"Source ID":"S_WI-P03-S019","Title, issuer, and full literal direct URL":"Wis. Stat. §427.104, Prohibited practices. Official: https://docs.legis.wisconsin.gov/statutes/statutes/427/104 Access copy: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/","Exact pinpoint, version, and legal status":"§427.104(1)(f), reasonably disputed debt disclosure","Access status and limits":"Current access copy freshly read; official integrated page failed."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S019","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"State body/currentness unreopened; original official-access failure or incomplete official read and secondary reproduction attribution retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S020","urls":["https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DisputingDebt.aspx","https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/DisputedDebtFactSheet.aspx","https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DebtCollectionGeneralPractices.aspx"],"researcher_record":{"Source ID":"S_WI-P03-S020","Title, issuer, and full literal direct URL":"Wisconsin DFI public guidance. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DisputingDebt.aspx https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/DisputedDebtFactSheet.aspx https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DebtCollectionGeneralPractices.aspx","Exact pinpoint, version, and legal status":"Federal 30-day validation workflow; examples of verification; state dispute-status discussion","Access status and limits":"Fresh official guidance read. Current operational guidance, not enacted rule or merits order."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S020","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DisputingDebt.aspx","https://dfi.wi.gov/Pages/FinancialServices/LicensedFinancial/DisputedDebtFactSheet.aspx"],"dated_reuse":[{"original_packet":"[internal evidence reference]","unmodified_copy":"[internal evidence reference]","original_sha256":"d287b1b7428bd8e9a8cae72d8715f7a20edefb9c9bce3f6d194c3eb7a7ae27b8","copy_sha256":"d287b1b7428bd8e9a8cae72d8715f7a20edefb9c9bce3f6d194c3eb7a7ae27b8","URL":"https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/DebtCollectionGeneralPractices.aspx","chunk":0,"packet_character_bounds":[0,5341],"actual_numbered_lines_reread":[[20,40]],"original_review_at":"2026-10-29T04:22:08.199595+00:00","reread_at":"2026-10-29T04:26:57.966437+00:00","fresh_fetch_claimed":false,"PDFpixels":false,"limits":"Dated earlier coordinator parsed text; not fresh WI3 fetch, complete currentness/legal applicability or underlying linked-body acceptance"}],"result":"Two fresh DFIpublic dispute summaries and dated general-practices guidance compared; no independent universal state pause or sector/FCRAlegal acceptance.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S021","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692a/"],"researcher_record":{"Source ID":"S_WI-P03-S021","Title, issuer, and full literal direct URL":"15 U.S.C. §1692a, FDCPA definitions. https://uscode.house.gov/us/usc/119-124/t15/s1692a/","Exact pinpoint, version, and legal status":"§1692a(3), (5), (6); laws through Pub. L. 119-124, Oct. 15, 2026","Access status and limits":"Fresh official current U.S. Code read."},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S021","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":[],"dated_reuse":[{"original_packet":"[internal evidence reference]","unmodified_copy":"[internal evidence reference]","original_sha256":"090a3dd9b6762bd64565102ba1963d9a595b3e4c324f0ab55d78c2359154bf6a","copy_sha256":"090a3dd9b6762bd64565102ba1963d9a595b3e4c324f0ab55d78c2359154bf6a","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1692a/","chunk":2,"packet_character_bounds":[20381,26943],"actual_numbered_lines_reread":[[15,44]],"original_review_at":"2026-10-29T04:22:08.199595+00:00","reread_at":"2026-10-29T04:26:57.966437+00:00","fresh_fetch_claimed":false,"PDFpixels":false,"limits":"Dated earlier coordinator parsed text; not fresh WI3 fetch, complete currentness/legal applicability or underlying linked-body acceptance"}],"result":"Dated complete operative1692adefinitions reread; both collector prongs, false-name clause and all exclusions preserved.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S022","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692g/"],"researcher_record":{"Source ID":"S_WI-P03-S022","Title, issuer, and full literal direct URL":"15 U.S.C. §1692g, Validation of debts. https://uscode.house.gov/us/usc/119-124/t15/s1692g/","Exact pinpoint, version, and legal status":"§1692g(a)–(e); laws through Pub. L. 119-124","Access status and limits":"Fresh official current U.S. Code read in full. \nUSCode\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S022","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://uscode.house.gov/us/usc/119-124/t15/s1692g/"],"dated_reuse":[],"result":"Fresh complete operative1692gbody compared conditionally; no debt merits or actual deadline.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S023","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"],"researcher_record":{"Source ID":"S_WI-P03-S023","Title, issuer, and full literal direct URL":"Regulation F §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","Exact pinpoint, version, and legal status":"§1006.34(a)–(d) and official comments to 34(b)(3), 34(b)(5), 34(c), 34(d)","Access status and limits":"Fresh official current regulation and commentary read. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S023","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"],"dated_reuse":[],"result":"Fresh complete34section/comments read; validation content, itemization,date/assumed-receipt and form branches compared; Q001.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S024","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"],"researcher_record":{"Source ID":"S_WI-P03-S024","Title, issuer, and full literal direct URL":"Regulation F §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","Exact pinpoint, version, and legal status":"§1006.38(a)–(d) and official comments on writing, duplication, new/material information","Access status and limits":"Fresh official current regulation and commentary read. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S024","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://www.consumerfinance.gov/rules-policy/regulations/1006/38/"],"dated_reuse":[],"result":"Fresh complete38section/comments read; accepted-writing/duplicate/new-material/response/pause branches; no arbitrary verification deadline.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S025","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","https://uscode.house.gov/us/usc/119-124/t15/s7001/"],"researcher_record":{"Source ID":"S_WI-P03-S025","Title, issuer, and full literal direct URL":"Regulation F §1006.42 and E-SIGN §101. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ https://uscode.house.gov/us/usc/119-124/t15/s7001/","Exact pinpoint, version, and legal status":"§1006.42(a)–(b); 15 U.S.C. §7001(b)–(e)","Access status and limits":"Fresh official current regulation and U.S. Code read. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S025","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","https://uscode.house.gov/us/usc/119-124/t15/s7001/"],"dated_reuse":[],"result":"Fresh complete42section/comments and complete7001(b)-(e)selected body read; precise enumerated electronic branches require Q002.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S026","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","https://www.consumerfinance.gov/rules-policy/regulations/1006/104/"],"researcher_record":{"Source ID":"S_WI-P03-S026","Title, issuer, and full literal direct URL":"Regulation F §§1006.100 and 1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/100/ https://www.consumerfinance.gov/rules-policy/regulations/1006/104/","Exact pinpoint, version, and legal status":"Record retention and relation to state law, including official commentary","Access status and limits":"Fresh official current regulation read. \nConsumer Financial Protection Bureau\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S026","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://www.consumerfinance.gov/rules-policy/regulations/1006/100/","https://www.consumerfinance.gov/rules-policy/regulations/1006/104/"],"dated_reuse":[],"result":"Fresh complete100/104bodies/comments compared; different retention start points and greater-state-protection preservation retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S027","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/b/"],"researcher_record":{"Source ID":"S_WI-P03-S027","Title, issuer, and full literal direct URL":"Regulation F Appendix B, Model Form B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/","Exact pinpoint, version, and legal status":"Appendix B, B-1; current version","Access status and limits":"Fresh official current appendix read. Form image identified; safe-harbor scope read through §1006.34. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S027","coordinator_status":"selected_public_primary_text_compared_with_limits","fresh_URLs_read":["https://www.consumerfinance.gov/rules-policy/regulations/1006/b/"],"dated_reuse":[],"result":"FreshAppendixBpage identifiesB1image only; no form image/pixels or complete visual match claimed.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S028","urls":["https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018/D03-21/C:17-3040:J:Barrett:aut:T:fnOp:N:2126666:S:0&Submit=Display","https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018%2FD03-21%2FC%3A17-3040%3AJ%3ABarrett%3Aaut%3AT%3AfnOp%3AN%3A2126666%3AS%3A0&Submit=Display"],"researcher_record":{"Source ID":"S_WI-P03-S028","Title, issuer, and full literal direct URL":"Walton v. EOS CCA, 885 F.3d 1024 (7th Cir. 2018). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2018/D03-21/C:17-3040:J:Barrett:aut:T:fnOp:N:2126666:S:0&Submit=Display","Exact pinpoint, version, and legal status":"Printed opinion pp. 4–5; zero-based PDF indexes 3–4; published, 8-page official PDF","Access status and limits":"Fresh official PDF read; relevant pages visually inspected. Current precedential status not shown as vacated. \nSeventh Circuit Court of Appeals"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S028","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S029","urls":["https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019/D08-08/C:17-3244:J:Sykes:aut:T:fnOp:N:2381328:S:0&Submit=Display","https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019%2FD08-08%2FC%3A17-3244%3AJ%3ASykes%3Aaut%3AT%3AfnOp%3AN%3A2381328%3AS%3A0&Submit=Display"],"researcher_record":{"Source ID":"S_WI-P03-S029","Title, issuer, and full literal direct URL":"Lavallee v. Med-1 Solutions, LLC, 932 F.3d 1049 (7th Cir. 2019). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2019/D08-08/C:17-3244:J:Sykes:aut:T:fnOp:N:2381328:S:0&Submit=Display","Exact pinpoint, version, and legal status":"Printed pp. 2–5 and later analysis; zero-based PDF indexes 1–4 and 11–12; published, 14-page official PDF","Access status and limits":"Fresh official PDF read; relevant pages visually inspected. Pre-Reg F factual framework. \nSeventh Circuit Court of Appeals"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S029","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S030","urls":["https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016/D04-07/C:15-1859:J:Hamilton:aut:T:fnOp:N:1733811:S:0&Submit=Display","https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016%2FD04-07%2FC%3A15-1859%3AJ%3AHamilton%3Aaut%3AT%3AfnOp%3AN%3A1733811%3AS%3A0&Submit=Display"],"researcher_record":{"Source ID":"S_WI-P03-S030","Title, issuer, and full literal direct URL":"Janetos v. Fulton Friedman & Gullace, LLP, 825 F.3d 317 (7th Cir. 2016). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2016/D04-07/C:15-1859:J:Hamilton:aut:T:fnOp:N:1733811:S:0&Submit=Display","Exact pinpoint, version, and legal status":"Printed pp. 2–3, 6–8, 10–14; zero-based PDF indexes 1–2, 5–7, 9–13; published, 18-page official PDF","Access status and limits":"Fresh official PDF read; relevant pages visually inspected. Current creditor holding. \nSeventh Circuit Court of Appeals\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S030","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S031","urls":["https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/"],"researcher_record":{"Source ID":"S_WI-P03-S031","Title, issuer, and full literal direct URL":"Bartlett v. Heibl, 128 F.3d 497 (7th Cir. 1997). https://law.justia.com/cases/federal/appellate-courts/F3/128/497/525132/","Exact pinpoint, version, and legal status":"Published Seventh Circuit opinion, especially 128 F.3d at 499–502","Access status and limits":"Fresh opinion text read; official Seventh Circuit archival PDF not recovered through current route. \nJustia Law"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S031","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S032","urls":["https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html"],"researcher_record":{"Source ID":"S_WI-P03-S032","Title, issuer, and full literal direct URL":"Jang v. A.M. Miller & Associates, 122 F.3d 480 (7th Cir. 1997). https://caselaw.findlaw.com/court/us-7th-circuit/1004445.html","Exact pinpoint, version, and legal status":"Published Seventh Circuit opinion, especially 122 F.3d at 483–84","Access status and limits":"Fresh opinion text read; official archival PDF not recovered. \nFindLaw\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S032","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S033","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf"],"researcher_record":{"Source ID":"S_WI-P03-S033","Title, issuer, and full literal direct URL":"Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017). https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Exact pinpoint, version, and legal status":"Printed opinion pp. 3–5; zero-based PDF indexes 2–4; official 13-page PDF","Access status and limits":"Fresh official Supreme Court PDF read; relevant pages visually inspected. Current merits decision. \nSupreme Court of the United States"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S033","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"},{"source_id":"S_WI-P03-S034","urls":["https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885"],"researcher_record":{"Source ID":"S_WI-P03-S034","Title, issuer, and full literal direct URL":"Rsidue, LLC v. Michaud, 2006 WI App 164. https://www.wicourts.gov/ca/opinion/DisplayDocument.html?content=html&seqNo=25885","Exact pinpoint, version, and legal status":"¶¶7–25, especially ¶¶11–14 and 25; published Wisconsin Court of Appeals opinion","Access status and limits":"Fresh official opinion read. No later public overruling located for the narrow definition holding. \nWisconsin Court System\n+1"},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review":{"source_id":"S_WI-P03-S034","coordinator_status":"original_source_unreopened_hold","fresh_URLs_read":[],"dated_reuse":[],"result":"Judicial authority unreopened; original access, historical/secondary, pinpoint/pixel/citation/posture/later-treatment/currentness and application holds retained.","researcher_record_preserved":true,"all_group_authorities_freshly_accepted":false,"actual_application_accepted":false,"limits":["Nineteen state-law/currentness source groups S001-S019remain unreopened in this review. Reported Wisconsin Legislature integrated-section/rule failures and researcher reliance on 2025Justia/Cornell reproductions stay attributed and are not retried, bypassed, recertified as current primary bodies or treated as nonexistence. This includes Act105/current compilation throughAct247, WCA gateway/territory/exclusions,422.302/.303/.305/.306/.308/.409,409.406,218.04,ch74and427.104.","Dated WI2DFIcollection-page guidance corroborates its present25000/future50000January1,2027notice only as guidance; it does not replace inaccessible421.202/Act105text or settle their precise exceptions/transition. Chapters422first-lien tension, agricultural/commercial/organization predicates and contractual election remain held. No general WCA ceiling or future law is operationally accepted.","State bill-inquiry30days/two cycles/90days, ten-business-day agency history/paid receipt,24month eligibility,12monthfrequency,fee/retention/assignment seasonably/proof-content, joint/address and state electronicwriting/counting rules retain original textual attribution and current-primary/application holds. No specific deadline or account right was calculated or adjudicated.","All seven registered judicial groups S028-S034remain unreopened: Walton,Lavallee,Janetos,Bartlett,Jang,Henson,Rsidue. Their official/secondary hosts, historical rule context, facts/holding/posture/publication/citation/later-treatment and full citator/currentness remain original attribution. No opinion, case landing, person, provider, docket, private account or record was investigated. State-law negative case/agency-order searches remain bounded historical searches.","Fresh CFPBpages label their returned regulation current; that is displayed source metadata, not an independently completed rulemaking/amendment/currentness audit. OLRCpages display PublicLaw119-124October15,2026. Dated1692adefinitions have the same saved header. No incorporated sections or other currentness audit is inferred. AppendixBonlyreturns an image link; no actual form pixels were inspected.","DFIdispute pages are agency guidance, not a newly found universal independent state validation/pause statute. Federal shorthand, medical insurance statements and credit-reporting portions were read as source material but not adopted outside actor/debt/timing predicates or expanded into sector/FCRAacceptance.","Federal actor/debt status, principal-purpose/owed-another/false-name/default/security exceptions, actual initial notice/content/itemization basis/delivery/receipt, accepted electronic medium, consent, duplicate/new-material proof, collection restart and successor effects remain actual-record and sometimes judicial questions. No verification of debt merits or universal original-contract/chain-production duty is accepted.","Complete saved brief/answer/tables/claims/coverage were reviewed as coordinator work only. WI1has its traceability correction and substantive sourceholds; WI2completion is now observed with four UNSENTfindings and its access/currentness/application limits. Their review completion is not component,state,parent,A066acceptance. Later WI24automatic-approval/HUMANhold and current/latest parent metadata are untouched.","Remedies/standing/damages,periodicstatements/TILA,creditreporting/FCRA,identitytheft,litigation/proof/service/default/judgment,limitations/revival,garnishment/security,mortgage/medical/utilities/student/government/sectors,local/tribal/country and every actual borrower/provider question remain excluded or held as originally recorded.","New ChatGPT research/correction Sends,modelprobes,browser/CUA/tabs/HUMANactivity,APIs,accounts,purchases,contacts,filings,newscenarios and newagents remain paused/not performed. Only exclusiveWI3pass/review/artifact files change; no Wisconsinparent/history/sharedindex/register/registry/route/model/automation writes."]},"coordinator_review_file":"[internal evidence reference]"}],"coverage":[{"researcher_record":{"Assigned issue":"Universal Wisconsin initial validation notice","Status":"Answered as bounded negative","Claims":"C001","Exact missing evidence or next action":"Search any sector statute or unpublished DFI order when a specific debt type is known"},"topic":"Universal Wisconsin initial validation notice","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":0,"topic":"Universal Wisconsin initial validation notice","original_status":"Answered as bounded negative","original_claim_pointer":"C001","original_missing_evidence":"Search any sector statute or unpublished DFI order when a specific debt type is known","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"WCA customer/consumer-credit predicates","Status":"Answered","Claims":"C002–C004","Exact missing evidence or next action":"Apply actual purpose, amount, installment/finance-charge, and nexus facts"},"topic":"WCA customer/consumer-credit predicates","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":1,"topic":"WCA customer/consumer-credit predicates","original_status":"Answered","original_claim_pointer":"C002–C004","original_missing_evidence":"Apply actual purpose, amount, installment/finance-charge, and nexus facts","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Current/future amount exclusion","Status":"Answered","Claims":"C004","Exact missing evidence or next action":"Recheck on or after Jan. 1, 2027"},"topic":"Current/future amount exclusion","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":2,"topic":"Current/future amount exclusion","original_status":"Answered","original_claim_pointer":"C004","original_missing_evidence":"Recheck on or after Jan. 1, 2027","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"First-lien mortgage WCA tension","Status":"Partial","Claims":"C002","Exact missing evidence or next action":"Determine inclusion/election and complete mortgage-servicing pass"},"topic":"First-lien mortgage WCA tension","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":3,"topic":"First-lien mortgage WCA tension","original_status":"Partial","original_claim_pointer":"C002","original_missing_evidence":"Determine inclusion/election and complete mortgage-servicing pass","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Original-creditor transaction copies","Status":"Answered","Claims":"C005–C007","Exact missing evidence or next action":"Actual retention period and document signatures"},"topic":"Original-creditor transaction copies","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":4,"topic":"Original-creditor transaction copies","original_status":"Answered","original_claim_pointer":"C005–C007","original_missing_evidence":"Actual retention period and document signatures","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Cash/evidence-of-payment receipt","Status":"Answered","Claims":"C008","Exact missing evidence or next action":"Actual payment method"},"topic":"Cash/evidence-of-payment receipt","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":5,"topic":"Cash/evidence-of-payment receipt","original_status":"Answered","original_claim_pointer":"C008","original_missing_evidence":"Actual payment method","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Closed-end account statement","Status":"Answered","Claims":"C009, C011","Exact missing evidence or next action":"Actual creditor status and transaction coverage"},"topic":"Closed-end account statement","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":6,"topic":"Closed-end account statement","original_status":"Answered","original_claim_pointer":"C009, C011","original_missing_evidence":"Actual creditor status and transaction coverage","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Open-end account statement","Status":"Answered","Claims":"C010–C011","Exact missing evidence or next action":"Actual plan status; federal periodic statements deferred"},"topic":"Open-end account statement","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":7,"topic":"Open-end account statement","original_status":"Answered","original_claim_pointer":"C010–C011","original_missing_evidence":"Actual plan status; federal periodic statements deferred","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"General periodic-statement duty","Status":"Partial/held","Claims":"C009–C011","Exact missing evidence or next action":"TILA/Reg Z and sector-specific investigation"},"topic":"General periodic-statement duty","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":8,"topic":"General periodic-statement duty","original_status":"Partial/held","original_claim_pointer":"C009–C011","original_missing_evidence":"TILA/Reg Z and sector-specific investigation","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Open-end initial application disclosures","Status":"Answered narrowly","Claims":"S009","Exact missing evidence or next action":"Not treated as continuing validation duty"},"topic":"Open-end initial application disclosures","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":9,"topic":"Open-end initial application disclosures","original_status":"Answered narrowly","original_claim_pointer":"S009","original_missing_evidence":"Not treated as continuing validation duty","coordinator_status":"bounded_revision_UNSENT","related_findings":["S_WI-P03-Q003"],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"DFI-WCA 1.36 actor and trigger","Status":"Answered","Claims":"C012","Exact missing evidence or next action":"Actual writing, recipient, bill/statement, authorization"},"topic":"DFI-WCA 1.36 actor and trigger","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":10,"topic":"DFI-WCA 1.36 actor and trigger","original_status":"Answered","original_claim_pointer":"C012","original_missing_evidence":"Actual writing, recipient, bill/statement, authorization","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"DFI-WCA 1.36 ordinary deadline","Status":"Answered","Claims":"C013","Exact missing evidence or next action":"State counting, receipt, and electronic-writing rules"},"topic":"DFI-WCA 1.36 ordinary deadline","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":11,"topic":"DFI-WCA 1.36 ordinary deadline","original_status":"Answered","original_claim_pointer":"C013","original_missing_evidence":"State counting, receipt, and electronic-writing rules","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Open-end billing-cycle deadline","Status":"Answered","Claims":"C014","Exact missing evidence or next action":"Actual cycle dates"},"topic":"Open-end billing-cycle deadline","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":12,"topic":"Open-end billing-cycle deadline","original_status":"Answered","original_claim_pointer":"C014","original_missing_evidence":"Actual cycle dates","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Payment-instrument exception","Status":"Answered","Claims":"C015","Exact missing evidence or next action":"Actual conspicuous routing disclosure"},"topic":"Payment-instrument exception","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":13,"topic":"Payment-instrument exception","original_status":"Answered","original_claim_pointer":"C015","original_missing_evidence":"Actual conspicuous routing disclosure","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"State disputed-status interval","Status":"Answered","Claims":"C016, C023","Exact missing evidence or next action":"Actual notice and response dates"},"topic":"State disputed-status interval","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":14,"topic":"State disputed-status interval","original_status":"Answered","original_claim_pointer":"C016, C023","original_missing_evidence":"Actual notice and response dates","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"State collection pause","Status":"Answered as not established generally","Claims":"C017","Exact missing evidence or next action":"Separate federal or sector predicates"},"topic":"State collection pause","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":15,"topic":"State collection pause","original_status":"Answered as not established generally","original_claim_pointer":"C017","original_missing_evidence":"Separate federal or sector predicates","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Consumer-credit assignment notice","Status":"Answered","Claims":"C018–C019","Exact missing evidence or next action":"Actual contract, notice, address, payment schedule"},"topic":"Consumer-credit assignment notice","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":16,"topic":"Consumer-credit assignment notice","original_status":"Answered","original_claim_pointer":"C018–C019","original_missing_evidence":"Actual contract, notice, address, payment schedule","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Assignment proof request","Status":"Answered textually","Claims":"C020","Exact missing evidence or next action":"No controlling proof-content or timing case located"},"topic":"Assignment proof request","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":17,"topic":"Assignment proof request","original_status":"Answered textually","original_claim_pointer":"C020","original_missing_evidence":"No controlling proof-content or timing case located","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"“Seasonably” definition","Status":"Unresolved","Claims":"C059","Exact missing evidence or next action":"Published/unpublished DFI order, Wisconsin case, or UCC authority"},"topic":"“Seasonably” definition","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":18,"topic":"“Seasonably” definition","original_status":"Unresolved","original_claim_pointer":"C059","original_missing_evidence":"Published/unpublished DFI order, Wisconsin case, or UCC authority","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Complete chain-of-title duty","Status":"Unresolved/not universally established","Claims":"C020, C053, C059","Exact missing evidence or next action":"Actual multistep assignment and governing transaction law"},"topic":"Complete chain-of-title duty","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":19,"topic":"Complete chain-of-title duty","original_status":"Unresolved/not universally established","original_claim_pointer":"C020, C053, C059","original_missing_evidence":"Actual multistep assignment and governing transaction law","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"UCC commercial assignment proof","Status":"Answered generally","Claims":"C022, C060","Exact missing evidence or next action":"Receivable classification and §409.406(8) interaction"},"topic":"UCC commercial assignment proof","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":20,"topic":"UCC commercial assignment proof","original_status":"Answered generally","original_claim_pointer":"C022, C060","original_missing_evidence":"Receivable classification and §409.406(8) interaction","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Original creditor versus assignee","Status":"Answered generally","Claims":"C003, C018–C020, C058","Exact missing evidence or next action":"Actual business role and ownership"},"topic":"Original creditor versus assignee","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":21,"topic":"Original creditor versus assignee","original_status":"Answered generally","original_claim_pointer":"C003, C018–C020, C058","original_missing_evidence":"Actual business role and ownership","coordinator_status":"coordinator_read_reconciled_conditions_and_source_holds_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Debt-buyer WCA creditor status","Status":"Partial","Claims":"C058","Exact missing evidence or next action":"Provision-specific analysis; do not universalize Rsidue"},"topic":"Debt-buyer WCA creditor status","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":22,"topic":"Debt-buyer WCA creditor status","original_status":"Partial","original_claim_pointer":"C058","original_missing_evidence":"Provision-specific analysis; do not universalize Rsidue","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Servicer documentation duties","Status":"Partial","Claims":"C002, C032","Exact missing evidence or next action":"Default timing, owner, agency, license, and transaction facts"},"topic":"Servicer documentation duties","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":23,"topic":"Servicer documentation duties","original_status":"Partial","original_claim_pointer":"C002, C032","original_missing_evidence":"Default timing, owner, agency, license, and transaction 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passes","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Medical, utility, mortgage, tax, student, government sectors","Status":"Excluded except necessary general boundary","Claims":"—","Exact missing evidence or next action":"Individual sector investigations"},"topic":"Medical, utility, mortgage, tax, student, government sectors","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":59,"topic":"Medical, utility, mortgage, tax, student, government sectors","original_status":"Excluded except necessary general boundary","original_claim_pointer":"—","original_missing_evidence":"Individual sector investigations","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Local/tribal/country law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate jurisdiction passes"},"topic":"Local/tribal/country law","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":60,"topic":"Local/tribal/country law","original_status":"Excluded","original_claim_pointer":"—","original_missing_evidence":"Separate jurisdiction passes","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Actual provider or borrower","Status":"Excluded","Claims":"C063","Exact missing evidence or next action":"No named-company or private-record lookup"},"topic":"Actual provider or borrower","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":61,"topic":"Actual provider or borrower","original_status":"Excluded","original_claim_pointer":"C063","original_missing_evidence":"No named-company or private-record lookup","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"PASS-01/PASS-02 acceptance","Status":"Not implied","Claims":"—","Exact missing evidence or next action":"Coordinator review remains separate"},"topic":"PASS-01/PASS-02 acceptance","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":62,"topic":"PASS-01/PASS-02 acceptance","original_status":"Not implied","original_claim_pointer":"—","original_missing_evidence":"Coordinator review remains separate","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"},{"researcher_record":{"Assigned issue":"Parent Wisconsin/A066 acceptance","Status":"Not implied","Claims":"—","Exact missing evidence or next action":"All remaining dimensions remain required"},"topic":"Parent Wisconsin/A066 acceptance","status":"not_yet_reviewed","coordinator_status":"awaiting_same_coordinator_review","is_not_acceptance":true,"coordinator_review":{"row_zero_based":63,"topic":"Parent Wisconsin/A066 acceptance","original_status":"Not implied","original_claim_pointer":"—","original_missing_evidence":"All remaining dimensions remain required","coordinator_status":"original_partial_unresolved_excluded_hold_retained","related_findings":[],"is_not_acceptance":true},"coordinator_verification_status":"reviewed_with_bounded_revisions_and_source_holds","coordinator_review_file":"[internal evidence reference]"}],"annotations":{},"corrections":[{"issue_id":"S_WI-P03-Q001","finding":"Example10ScenarioC says a different clear notice containing all required information simply lacks the model-form safe harbor. Its facts do not establish that the notice falls outside the substantially-similar branch. Earlier section7 correctly preserves that branch, so this is an internal example qualification error rather than a newly false C046general rule.","affected_claim_ids":[],"related_claim_ids":["S_WI-P03-C046"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/34/"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_WI-P03-Q002","finding":"Section8, event-table electronic-validation row, Example8and C048summarize E-SIGNconsent as applying to electronic validation generally. The exact1006.42(b)enumeration is the notice under34(a)(1)(i)(B)and disclosures under38(c)or(d)(2)(i); it does not itself enumerate initial-communication34(a)(1)(i)(A)or duplicate notice38(d)(2)(ii)(A). Early section2.1says specified notices/responses but later materials remove that precision.","affected_claim_ids":[],"related_claim_ids":["S_WI-P03-C048"],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/42/","https://www.consumerfinance.gov/rules-policy/regulations/1006/34/","https://www.consumerfinance.gov/rules-policy/regulations/1006/38/","https://uscode.house.gov/us/usc/119-124/t15/s7001/"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_WI-P03-Q003","finding":"Coverage row10lists sourceS009in its Claims column for the open-end initial-disclosure issue without a matching precise atomic claim. Except firstC001, original visible claimIDs are short C002-C063and imported as task-only S_WI-C002etc, making cross-pass lookup ambiguous. This does not establish any underlying state proposition false.","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."}],"resolved_corrections":[],"review_history":[{"id":"S_WI-P03-REVIEW-SCOPE","status":"reviewed_revisions_required_with_source_and_application_holds","at":null}]}