FIND THE EXPLANATION
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Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Scope: Evidence-chain, pagination, source-currentness, and reference-integrity corrections only. PASS-01, PASS-02, and the substantive PASS-03 findings remain preserved except for the exact replacement cells below.
Actual access date: October 24, 2026, Pacific.
No collection-side finding authorizes a debtor-side settlement provider or resolves an earlier PASS-01 or PASS-02 hold.
| Source ID | Title, issuer, and direct literal URL | Exact passage, version, effectivity, and page labels | Actual access status, jurisdiction, and limits |
|---|---|---|---|
| S_AL-P4-S001 | Alabama Legislature Code viewer routes: https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40 https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22 | Each requested section URL opened to a 58-line navigation shell. No complete section text, amendment history, version stamp, or codification currency was readable. | F for operative text; D only. Official Alabama host, accessed Oct. 24, 2026. Search-indexed excerpts were not elevated to operative text. Act 2001-454, Act 96-576, and the complete amendment chains remain held. Alabama Legislature+3 |
| S_AL-P4-S002 | ALDOR, Handbook of Privilege and Store Licenses: https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf | Dated October 2022. Methodology: printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies: printed p. 41 / one-based PDF p. 43 / zero-index 42. Collection page reproduces §40-12-80 wording, $151/$38.50 totals, per-place rule, remote/no-agent interpretation, Alabama-agent examples, and repossession distinction. | R/S. Official agency guidance currently linked by ALDOR. It identifies some following material as “Interpretations.” It is not verified current official statutory codification, an adopted rule, or a controlling judgment. Collection-page screenshot repeatedly returned a cache miss, but the PDF text and pagination were read. Alabama Department of Revenue+3 |
| S_AL-P4-S003 | ALDOR, “Business Privilege License”: https://www.revenue.alabama.gov/business-license/business-privilege-tax/ | Lines 139–142: Title 40, Chapter 12 privilege-license description; state/county licenses issued by county probate judge or license commissioner; generally required in each county unless otherwise provided; ALDOR does not administer municipal licenses; current handbook link. | R. Official current operational page, accessed Oct. 24, 2026. It supports procedure, not the complete text or currentness of any specific Code section. Alabama Department of Revenue |
| S_AL-P4-S004 | Alabama State Banking Department, “BOL Regulations”: https://banking.alabama.gov/bol/bol-regulations/ | Identifies the page as “Current Regulations”; links Rule .08 with “Effective: September 1, 2026,” Rule .01 with “Amended: January 1, 2020,” and Rule .07 with “Amended: August 1, 2002.” | R. Official agency current-regulations index. Direct PDFs were separately opened and read as S005–S007. Alabama State Banking Department |
| S_AL-P4-S005 | Rule 155-2-2-.01, Licensing — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf | One-page rule. ¶(1): license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt. ¶(3): enumerated institutional exemptions do not extend to consumer-finance subsidiaries. ¶¶(4)–(6): application, minimum $25,000 tangible net worth/capital, and fees. History: effective Oct. 1, 1997; amended Jan. 1, 2020. | R/S. Official current-rule PDF linked by S004. The rule does not establish that its older enumerated institutional list is identical to every exception in a later statutory version. Alabama State Banking Department+3 |
| S_AL-P4-S006 | Rule 155-2-2-.07, Restricted Activities — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf | One-page rule. Opening clause applies collection procedures and practices “by a licensee.” Lists six unreasonable tactics. History: amended Aug. 1, 2002. | R/S. Official current-rule PDF. It regulates collection practices of an ACCA licensee; it is not a general collection-agency licensing provision. Alabama State Banking Department+1 |
| S_AL-P4-S007 | Rule 155-2-1-.08, Original Application Forms, Renewal Forms, Amendments, and Annual Reports: https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf | ¶(1): all Bureau of Loans original applications, renewals, amendments, and annual reports must be submitted through NMLS. History line: Effective September 1, 2026. | R/S. Official current-rule PDF linked by S004. The separate July 13 metadata entry remains unexplained. Alabama State Banking Department+1 |
| S_AL-P4-S008 | Alabama State Banking Department, “BOL Forms and Applications”: https://banking.alabama.gov/bol/bol-forms-and-apps/ | Lines 3–5: NMLS use for all license types beginning Sept. 1 and “Non-Mortgage Consumer Credit Act Original License Application” terminology. Lines 24–30: Sept. 1–Dec. 31, 2026 transition period; transitioned expiration to Dec. 31, 2027; existing non-mortgage Consumer Credit licensees move to the new license type. | R. Official current operational instructions. Does not itself establish the full statutory coverage of the new license type. Alabama State Banking Department+2 |
| S_AL-P4-S009 | Legacy “ACCA Original License Application Package”: https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/ | Line 11 says all original applications must be printed and mailed, one per Alabama office. | R, but current applicability unresolved. The page remains online and conflicts with current Rule .08 and S008. It is not treated as the governing 2026 procedure. Alabama State Banking Department |
| S_AL-P4-S010 | Justia 2025 reproductions: https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/ https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/ | §5-19-1: “consumer” and “creditor,” lines 67–69. §5-19-22: activities, institutional and seller exceptions, and location provisions, lines 60–72. Both are expressly labeled 2025. | R, secondary mirror only. Justia expressly warns that the Code may not be the most recent version. No 2026 official-currentness promotion. Act 96-576 and later amendment chain remain held. Justia Law+3 |
| S_AL-P4-S011 | Glover/Booze v. Ocwen Loan Servicing, LLC, Eleventh Circuit: https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf | Servicing-after-default facts: printed opinion p. 4 / one-based PDF p. 4 / zero-index 3. Footnote 5: printed opinion p. 8 / one-based PDF p. 8 / zero-index 7. The footnote explains “any debts” by citing Davidson. | R/S. Official published Eleventh Circuit opinion filed Feb. 4, 2025. No new docket or subsequent-history project undertaken. 11th Circuit Court+3 |
| S_AL-P4-S012 | Henson v. Santander Consumer USA Inc., U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Opinion begins at slip p. 1 / one-based PDF p. 3 / zero-index 2. Own-account purchaser discussion is at slip p. 2 / PDF p. 4 / zero-index 3. Principal-purpose and third-party theories expressly left open at slip p. 3 / PDF p. 5 / zero-index 4. | R/S. Official Supreme Court slip opinion dated June 12, 2017. “Slip pages” must not be confused with whole-file PDF pages because two syllabus pages precede the opinion. Supreme Court+4 |
| S_AL-P4-S013 | Alabama Administrative Code Rule .08 route: https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08 | Rendered page returned a JavaScript-only shell. Indexed official-page content states history “effective September 1, 2026,” but separately displays “Certified New Rule … Effective Jul 13, 2026.” | F for rendered operative page; D for indexed metadata. The discrepancy was not resolved. The direct agency PDF and current-regulations page establish what they themselves state, but do not explain the July 13 entry. Alabama Administrative Code+1 |
| S_AL-P4-S014 | Alabama Secretary of State: https://www.sos.alabama.gov/business-entities/foreign-corporations https://www.sos.alabama.gov/government-records/business-entity-records | Foreign-corporation page says a certificate of authority is required before “transacting business” and gives filing procedure. Records page provides public entity-record access. | R. Official procedural evidence. It is not collection authority and does not resolve whether a particular remote collector is “transacting business.” Alabama Secretary of State+1 |
| S_AL-P4-S015 | Alabama State Bar: https://www.alabar.org/members/attorney-licensing/ https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx | Licensing page: occupational license required for private practice; special membership is for a lawyer not actively practicing privately. Search interface lists name, firm, city/county and other fields; displayed discipline begins Jan. 2018; practice areas are self-reported and unverified. | R. Official procedure and lookup. No attorney or law firm searched. Alabama State Bar+1 |
| S_AL-P4-S016 | Alabama State Banking Department lookups: https://banking.alabama.gov/verify-service-providers/ https://apps.banking.alabama.gov/LicenseesBOL.aspx | NMLS Consumer Access is presented as a free authorization-verification service. The BOL search accepts license type, number, company, and city. | R. Official lookup procedures. No named company or guessed entity searched. Alabama State Banking Department+1 |
| Claim ID | Precise corrective assertion | Sources and exact pinpoints | Conditions, limits, and confidence |
|---|---|---|---|
| S_AL-P4-C001 | PASS-03 did not verify complete current official text for §§40-12-80, 40-12-2, 5-19-1, or 5-19-22. The official URLs returned navigation shells; indexed excerpts were discovery only. | S001, all four routes. | High access finding. No inference about the missing text’s contents or amendment status. |
| S_AL-P4-C002 | ALDOR currently links an October 2022 handbook that reproduces §40-12-80 wording and operational interpretations. It is dated guidance, not verified 2026 codification. | S002, methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42; S003 lines 139–142. | High document-status finding. Do not elevate the “Interpretations” to a formal rule or court holding. |
| S_AL-P4-C003 | The $151 and $38.50 totals, 50% county component, $1 fee, per-place treatment, and quoted §40-12-80 trigger are supported as October 2022 ALDOR handbook content; their status as complete current statutory text remains held. | S002 collection page and methodology. | Arithmetic remains correct. Act 2001-454 and the full §40-12-2/§40-12-80 amendment chain remain unverified. |
| S_AL-P4-C004 | Current Rule 155-2-2-.01 requires a license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt, requires an application, and requires at least $25,000 tangible net worth/capital. | S005 ¶¶(1), (4)–(6). | High current-rule evidence. Does not establish every current statutory location or entity exception. |
| S_AL-P4-C005 | Rule 155-2-2-.07 regulates collection procedures and practices “by a licensee”; it is not a general collection-agency licensing rule. | S006 opening clause and history. | High. Detailed conduct remains outside this correction pass. |
| S_AL-P4-C006 | Current Rule 155-2-1-.08 requires all Bureau of Loans applications, renewals, amendments, and annual reports to be submitted through NMLS and states an effective date of September 1, 2026. | S004 lines 31–38; S007 ¶(1) and history. | High for what the direct rule and agency index state. |
| S_AL-P4-C007 | The current forms page implements a Sept. 1–Dec. 31, 2026 NMLS transition and new Non-Mortgage Consumer Credit terminology. A legacy mail page remains online. The July 13 metadata entry and exact NMLS checklist package are unresolved. | S008 lines 3–5, 24–30; S009 line 11; S013 indexed metadata. | No conclusion that the conflicting material has been formally withdrawn or superseded in every context. |
| S_AL-P4-C008 | ALDOR directs businesses to county probate judges or license commissioners for state/county privilege licenses and separately directs municipal-license checks. No centralized statewide §40-12-80 authorization registry was established in this pass. | S003 lines 139–142; S002 methodology. | High procedure / bounded lookup result. Individual county and city records remain later checks. |
| S_AL-P4-C009 | Alabama Secretary of State foreign qualification and entity records are separate corporate procedures, not collection authority. Whether particular remote conduct constitutes “transacting business” remains unresolved. | S014. | High procedural distinction; held application. |
| S_AL-P4-C010 | Alabama Bar occupational status and the public member search are the appropriate procedural starting points for attorney authority, subject to the search page’s discipline-history and self-reported-practice limitations. | S015. | No named attorney or firm was searched or cleared. |
| S_AL-P4-C011 | NMLS Consumer Access and the Banking Department BOL search provide public financial-license verification procedures; they do not replace county §40-12-80 records or establish a named entity’s status without an actual search. | S016; S003. | No named-entity search conducted. |
| S_AL-P4-C012 | Correct ALDOR handbook page labels are: methodology printed 2/PDF 4/zero 3; collection agencies printed 41/PDF 43/zero 42. | S002. | Replaces ambiguous PASS-03 “p. 3” and “p. 42” labels. |
| S_AL-P4-C013 | Glover/Booze servicing-after-default facts are at printed/PDF p. 4, zero 3. Footnote 5 is at printed/PDF p. 8, zero 7—not “p. 7 n.5.” | S011. | Substantive holding unchanged; no expanded history check. |
| S_AL-P4-C014 | Henson citations must distinguish slip pagination from PDF pagination: relevant material at slip pp. 2–3 corresponds to one-based PDF pp. 4–5 and zero-index pp. 3–4. | S012. | Substantive holding unchanged. |
| S_AL-P4-C015 | Rule .01 independently supports per-location licensing and the $25,000 requirement, but broader remote-location and record-location provisions in PASS-03 came from a 2025 secondary mirror and remain currentness-qualified. | S005 ¶¶(1), (5); S010 §5-19-22(a). | Act 96-576 and full current statutory chain remain held. |
| S_AL-P4-C016 | Rule .01(3) specifically lists state or federal banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies, and denies those exemptions to their consumer-finance subsidiaries. | S005 ¶(3). | Do not infer this older rule list is identical to every entity exception in the 2025 mirror or a current unread statute. |
| S_AL-P4-C017 | The handbook’s repossession interpretation says repossession-only agents are outside §40-12-80, but soliciting collection claims while repossessing can bring the employer within the section. | S002, collection page, final interpretation bullets. | October 2022 agency interpretation only; not verified statutory text or controlling case law. |
The original PASS-03 source IDs remain unchanged. Only the identified cells are replaced.
| PASS-03 source ID | Cell affected | Exact replacement cell |
|---|---|---|
| S_AL-P3-S001 | “Pinpoint actually read; version and legal status” and “Access, jurisdiction, and limitations” | Replacement: “The official §40-12-80 URL was opened on October 24, 2026 Pacific and returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The wording, totals, and interpretations were actually read in ALDOR’s October 2022 handbook at printed p. 41 / one-based PDF p. 43 / zero-index 42. Status: F for complete official codification; R for dated ALDOR guidance. Current official text, Act 2001-454 effective clause, and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012. |
| S_AL-P3-S002 | Same cells | Replacement: “The official §40-12-2 URL returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The October 2022 handbook states at its methodology page—printed p. 2 / PDF p. 4 / zero 3—that displayed totals combine state and county portions, and its collection page states that the county levy is 50% of the state levy. Status: F for complete official codification; R for dated agency guidance. Complete current §40-12-2 text and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012. |
| S_AL-P3-S004 | Pinpoint/page labels and limitations | Replacement: “October 2022 ALDOR handbook. Methodology at printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies at printed p. 41 / one-based PDF p. 43 / zero-index 42. Currently linked by ALDOR, but dated guidance rather than verified current official codification, adopted rule, or controlling judgment.” Dependency: S_AL-P4-S002–S003; C002–C003, C012, C017. |
| S_AL-P3-S005 | Version/currentness and access | Replacement: “The official §5-19-1 URL opened to a navigation shell; no complete official-current section was read. The definitions were actually read in the expressly labeled 2025 Justia reproduction at subsections (2)–(3), but that reproduction warns it may not be the most recent version. Status: F official complete text; R secondary 2025 mirror. Act 96-576 and subsequent amendment chain remain held.” Dependency: S_AL-P4-S001, S010; C001, C015. |
| S_AL-P3-S006 | Version/currentness and limitations | Replacement: “Entirely retain the source as a 2025 unofficial reproduction. Relevant text: §5-19-22(a)(1)–(3), institutional and seller exceptions, and location/records provisions. Do not describe it as official 2026 current text. Rule 155-2-2-.01 independently verifies narrower per-location, subsidiary, application, and $25,000 provisions; the rule’s older institutional list is not presumed identical to the mirror’s later list.” Dependency: S_AL-P4-S005, S010; C004, C015–C016. |
| S_AL-P3-S007 | Title/locator, pinpoints, and effectivity | Replacement: “Current Banking Department regulation locators: Rule .01 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf, ¶¶(1), (3)–(7), effective Oct. 1, 1997 and amended Jan. 1, 2020. Rule .07 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf, opening clause and items 1–6, amended Aug. 1, 2002. Rule .08 — https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf, ¶¶(1)–(2), effective Sept. 1, 2026. All are directly linked from the agency’s Current Regulations page. The administrative-code July 13 metadata discrepancy remains held.” Dependency: S_AL-P4-S004–S007, S013. |
| S_AL-P3-S008 | Operational-procedure pinpoint and limits | Replacement: “The current forms page states that NMLS use began Sept. 1, identifies the Non-Mortgage Consumer Credit license, and gives a Sept. 1–Dec. 31, 2026 transition period. It supports current operational procedure only. The exact NMLS checklist package was not retrieved and no named licensee was searched.” Dependency: S_AL-P4-S008, S016; C007, C011. |
| S_AL-P3-S009 | Current-applicability limitation | Replacement: “The legacy ACCA page remains publicly accessible and says original applications must be printed and mailed. Because that instruction conflicts with current Rule .08 and the current transition page, it is retained as unresolved legacy/stale procedure and not treated as governing current intake.” Dependency: S_AL-P4-S007–S009; C006–C007. |
| S_AL-P3-S016 | Exact pinpoint | Replacement: “Henson, own-account purchaser and unanswered-theory discussion at slip opinion pp. 2–3, corresponding to one-based PDF pp. 4–5 and zero-index pp. 3–4. The opinion itself begins at slip p. 1 / PDF p. 3 / zero 2.” Dependency: S_AL-P4-S012; C014. |
| S_AL-P3-S018 | Exact pinpoint | Replacement: “Glover/Booze, servicing-after-default facts at printed opinion p. 4 / one-based PDF p. 4 / zero 3. Footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero 7. Replace every ‘p. 7 n.5’ locator accordingly.” Dependency: S_AL-P4-S011; C013. |
Unless expressly stated below, the substantive assertion is retained but its evidence/currentness cell is replaced.
| PASS-03 claim ID | Exact replacement |
|---|---|
| S_AL-P3-C001 | Replacement assertion/currentness: “ALDOR’s October 2022 handbook reproduces §40-12-80 as imposing combined state/county/issuance totals of $151 or $38.50 according to population tier. PASS-04 did not verify those amounts in readable current official codification.” Sources: P4-S002, printed 41/PDF 43/zero 42; P4-S001 failed official-text routes. |
| S_AL-P3-C002 | Replacement assertion/currentness: “The October 2022 handbook reproduces the deemed-agency trigger based on employing agents to solicit claims from persons, firms, or corporations in Alabama. Current official codification and amendment chain remain held.” Sources: P4-S002 collection page; P4-S001. |
| S_AL-P3-C003 | Replacement assertion/currentness: “The October 2022 handbook reproduces a final sentence excluding persons excluded from the federal FDCPA debt-collector definition. Its exact status in current official Alabama codification remains unverified.” Sources: P4-S002 collection page; P4-S001. |
| S_AL-P3-C004 | Replace source/confidence cell: “Supported procedurally by ALDOR’s current privilege-license page and October 2022 handbook. High as to agency characterization; current complete statutory text remains held.” Sources: P4-S002–S003. |
| S_AL-P3-C005 | Replace source/confidence cell: “The 50% county component, combined display convention, per-place procedure, and $1 component are supported by the October 2022 handbook and current ALDOR procedure page; complete current §40-12-2 text was not read.” Sources: P4-S002–S003. |
| S_AL-P3-C006 | Replacement assertion/currentness: “The handbook arithmetic is $150 combined state/county + $1 = $151, and $37.50 combined state/county + $1 = $38.50. Arithmetic verified; current official statutory amounts remain held.” Sources: P4-S002 printed 41/PDF 43/zero 42. |
| S_AL-P3-C007 | Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation stating that an out-of-state agency soliciting by letter/phone only and having no Alabama agents does not need Section 80.” Currentness: October 2022 agency interpretation, not controlling adjudication or verified 2026 Code text. |
| S_AL-P3-C008 | Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation listing an Alabama employee, retained Alabama attorney, Alabama agency, or anyone in Alabama acting for the out-of-state agency as potential agents.” Currentness: Same dated-guidance qualification. |
| S_AL-P3-C009 | Replace confidence cell: “Bounded to the actual October 2022 handbook and the official materials retrieved. Does not establish that no specialized statute, local law, or later amendment imposes security, agent, or registration requirements.” |
| S_AL-P3-C010 | Replace confidence cell: “Bounded official-source search result only. Because readable current official §§40-12-80 and 40-12-2 were not obtained, this is not a categorical absence-of-regulation conclusion.” |
| S_AL-P3-C011–C013 | Add currentness qualification: “The underlying state classification application relies on the October 2022 ALDOR reproduction and interpretation, not verified current official statutory text. The original-creditor, purchaser, and commercial-only boundaries remain unresolved exactly as stated.” |
| S_AL-P3-C014 | Replacement source/currentness: “Definitions were actually read in the expressly labeled 2025 Justia mirror, P4-S010, §5-19-1(2)–(3). The official §5-19-1 route returned a shell. No 2026 official-currentness certification.” |
| S_AL-P3-C015 | Replacement source/currentness: “Current Rule .01(1) independently verifies a per-proposed-location license before making consumer loans or taking assignments unless exempt. Broader resident, remote, employee, and record-location details remain dependent on the 2025 mirror and unverified current statutory chain.” Sources: P4-S005 ¶(1); P4-S010 §5-19-22(a). |
| S_AL-P3-C016 | Replacement assertion: “Current Rule .01(3) states that exemptions for the specifically enumerated banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies do not extend to their consumer-finance subsidiaries.” Limit: Do not merge this rule list with every entity exception in the later 2025 mirror. |
| S_AL-P3-C017 | Replacement source/currentness: “The $25,000 tangible-net-worth/capital requirement is directly verified by current Rule .01(5). Other statutory security alternatives or exceptions remain currentness-qualified.” |
| S_AL-P3-C018 | Replacement source/limit: “Direct Rule .07 opening clause, P4-S006: collection procedures and practices ‘by a licensee’ must comply with applicable law. The rule is not a general collection-agency license.” |
| S_AL-P3-C019 | Replacement assertion/source: “Direct Rule .08 and the current regulations/forms pages support NMLS submission and a stated Sept. 1, 2026 effective/implementation date. The July 13 administrative-code metadata entry, legacy print/mail page, and exact NMLS checklist remain unresolved.” Sources: P4-S004, S007–S009, S013. |
| S_AL-P3-C022 | Replacement currentness qualification: “The comparison between Farmer and later statutory language relies on the 2025 §5-19-22 secondary mirror, not verified current official 2026 codification. The historical-versus-later wording observation remains qualified.” |
| S_AL-P3-C033 | Replace source pinpoint: “P4-S011, footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero-index 7.” |
| S_AL-P3-C034 | Replace source pinpoint: “P4-S011: servicing rights acquired after default at printed/PDF p. 4 / zero 3; definition discussion and footnote 5 at printed/PDF p. 8 / zero 7. Substantive limitation unchanged.” |
Replace the PASS-03 statement:
“Actually read current official search-rendered Alabama §§40-12-80, 40-12-2, and 5-19-1.”
with:
“Opened the official Alabama Legislature section URLs for §§40-12-80, 40-12-2, 5-19-1, and 5-19-22, but each yielded a navigation shell rather than readable section text. Search-engine-indexed excerpts were treated only as discovery. Actually read the current-linked October 2022 ALDOR handbook, the Banking Department’s direct current rule PDFs, and the expressly labeled 2025 secondary reproductions of §§5-19-1 and 5-19-22. No complete current official codification of those four sections was verified.”
Full identifiers are used below. No example’s arithmetic or substantive hold is changed.
| PASS-03 example | Old PASS-03 claim list | Corrected exact claim list | Relevant source pinpoints | Unchanged legal hold |
|---|---|---|---|---|
| Example 1 — Consumer original creditor collecting in its own name | C010; C014–C017; C028–C031 | S_AL-P3-C011; S_AL-P3-C014–C017; S_AL-P3-C028–C031; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C015–C016 | P4-S001 official routes unavailable; P4-S005 Rule .01(1), (3), (5); P4-S010 §§5-19-1 and 5-19-22 mirrors. | Exact entity, origination role, exemption, license, employee identity, and name used remain unverified. C010 was unrelated bounded “no separate charter” research and is removed. |
| Example 2 — Third-party agency with Alabama office | C001–C009; C024–C030 | S_AL-P3-C001–C006; S_AL-P3-C009–C010; S_AL-P3-C024; S_AL-P3-C028–C030; S_AL-P4-C001–C003; S_AL-P4-C008–C009; S_AL-P4-C012 | P4-S002 printed 41/PDF 43/zero 42; P4-S003 county/municipal procedure; P4-S014 corporate procedure. | Numeric $151 result remains arithmetic only until current statute and actual place/license record are checked. |
| Example 3 — Remote agency using mail, phone, or online communications | C004–C006; C035; C038 | S_AL-P3-C007–C008; S_AL-P3-C028–C030; S_AL-P3-C038; S_AL-P4-C002; S_AL-P4-C008–C009; S_AL-P4-C012 | P4-S002 remote/no-agent and Alabama-agent interpretations, printed 41/PDF 43/zero 42; P4-S003; P4-S014. | Online-only activity, Alabama contractor/agent status, corporate nexus, and local law remain unresolved. Old C004–C006 were privilege-license nature/arithmetic; C035 was attorney-FDCPA coverage. |
| Example 4 — Purchased defaulted consumer account | C012; C014–C17; C021–C24; C032–C033 | S_AL-P3-C012; S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P3-C024; S_AL-P3-C030–C033; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C014–C016 | P4-S005 Rule .01; P4-S010 mirrors; P4-S012 Henson slip pp. 2–3/PDF pp. 4–5. | §40-12-80 purchaser status, ACCA creditor/assignment status, principal purpose, and actual documents remain open. “C17” is corrected to C017; servicer-specific C023 is removed. |
| Example 5 — Servicing obtained before or after default | C019; C023; C030; C034 | S_AL-P3-C007–C008; S_AL-P3-C014–C017; S_AL-P3-C023–C024; S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C004; S_AL-P4-C013; S_AL-P4-C015–C016 | P4-S005 Rule .01; P4-S011 facts at printed/PDF p. 4/zero 3 and fn. 5 at printed/PDF p. 8/zero 7. | Servicing versus assignment, ownership, default date, payee, portfolio role, and Alabama place/agent remain unresolved. NMLS-procedure C019 was unrelated to substantive classification and is removed. |
| Example 6 — Attorney collecting for creditor | C005; C025–C027; C035–C036 | S_AL-P3-C008; S_AL-P3-C025–C027; S_AL-P3-C035–C036; S_AL-P4-C010 | P4-S002 Alabama-attorney-as-agent interpretation; P4-S015 attorney licensing/search. | Bar status, regularity, client identity, debt purpose, exact demand, foreclosure conduct, and county-license application remain open. C005 is replaced by the actual agent-nexus C008. |
| Example 7 — Commercial-only collection | C013–C014; C024; C037 | S_AL-P3-C013–C014; S_AL-P3-C024; S_AL-P3-C028; S_AL-P4-C001; S_AL-P4-C003 | P4-S001 unavailable current Code; P4-S002 reproduced firms/corporations wording; prior federal debt definition remains applicable. | Commercial-only §40-12-80 coverage remains held. Fiduciary-exclusion C037 was unrelated and is removed; consumer-debt definition C028 is added. |
| # | PASS-03 coverage-row identifier | Old claim references | Corrected exact claim references | Relevant source pinpoints | Status and legal hold remain |
|---|---|---|---|---|---|
| 1 | Current §40-12-80 text and population amounts | C001–C003 | S_AL-P3-C001–C003; S_AL-P4-C001–C003; S_AL-P4-C012 | P4-S001 shell routes; P4-S002 printed 41/PDF 43/zero 42. | Unresolved current official text. Handbook wording verified only as dated agency guidance. |
| 2 | State/county per-place calculation | C004–C006 | S_AL-P3-C004–C006; S_AL-P4-C001–C003; S_AL-P4-C012 | P4-S002 methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42. | Arithmetic unchanged; current §40-12-2 text and amendment chain remain held. |
| 3 | Remote letter/telephone agency with no Alabama agent | C007–C008 | S_AL-P3-C007–C008; S_AL-P4-C002; S_AL-P4-C012 | P4-S002 remote and agent interpretation bullets. | Answered only as October 2022 agency interpretation; internet-only boundary remains open. |
| 4 | Alabama agent, retained lawyer and local contractor | C008 | S_AL-P3-C008; S_AL-P4-C002; S_AL-P4-C012 | P4-S002 printed 41/PDF 43/zero 42. | Actual agency relationship remains fact-dependent. |
| 5 | General collection-agency bond, financial-fitness or agent registration | C009–C010 | S_AL-P3-C009–C010; S_AL-P4-C001–C003 | P4-S001 unavailable official statutes; P4-S002 dated handbook. | Bounded only to retrieved general materials; specialized law remains open. |
| 6 | Separate general supervisory collection charter | C010 | S_AL-P3-C010; S_AL-P4-C001–C003 | Same. | Bounded negative research result, not categorical absence. |
| 7 | Original-creditor §40-12-80 treatment | C011 | S_AL-P3-C011; S_AL-P4-C001–C003 | P4-S002 reproduced deemed-agency trigger. | Controlling Alabama interpretation beyond that trigger remains missing. |
| 8 | Outright debt-buyer §40-12-80 treatment | C012 | S_AL-P3-C012; S_AL-P4-C001–C003 | Same. | Ownership-only purchaser treatment remains unresolved. |
| 9 | Commercial-only §40-12-80 coverage | C013 | S_AL-P3-C013; S_AL-P4-C001–C003 | P4-S002 “persons, firms, or corporations” wording and federal cross-reference. | State reconciliation remains unresolved. |
| 10 | ACCA consumer and creditor definitions | C014 | S_AL-P3-C014; S_AL-P4-C001; S_AL-P4-C003 | P4-S010 §5-19-1(2)–(3), expressly 2025 mirror. | Definitions read in secondary mirror; current official codification held. |
| 11 | ACCA assignment-license trigger | C015–C017 | S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P4-C004; S_AL-P4-C015–C016 | P4-S005 Rule .01(1), (3)–(5); P4-S010 §5-19-22(a). | Current rule verified; full statutory location and entity exceptions held. |
| 12 | Consumer-finance subsidiary exemption | C016 | S_AL-P3-C016; S_AL-P4-C004; S_AL-P4-C016 | P4-S005 Rule .01(3). | Exact rule list verified; no extrapolation to every later statutory exception. |
| 13 | ACCA security and location requirements | C015–C017 | S_AL-P3-C015; S_AL-P3-C017; S_AL-P4-C004; S_AL-P4-C015 | P4-S005 Rule .01(1), (5). | $25,000 and per-proposed-location rule verified; broader statutory location/security alternatives held. |
| 14 | Current NMLS procedure | C019–C020 | S_AL-P3-C019; S_AL-P4-C006–C007 | P4-S007 Rule .08; P4-S008 transition; P4-S009 legacy page; P4-S013 metadata. | C020 lookup claim removed from procedure row. July 13 metadata, stale page, and checklist remain open. |
| 15 | Public general collector lookup | C008–C010 | S_AL-P3-C010; S_AL-P4-C008 | P4-S003 county issuance and municipal instruction. | No centralized §40-12-80 registry established; county/city checks remain necessary. |
| 16 | Public ACCA lookup | C020 | S_AL-P3-C020; S_AL-P4-C011 | P4-S016 NMLS Consumer Access and BOL fields. | Procedure established; no entity searched. |
| 17 | Attorney authority lookup | C025–C026 | S_AL-P3-C025; S_AL-P4-C010 | P4-S015 occupational license and member-search limitations. | C026 concerns federal attorney coverage, not authority lookup, and is removed. |
| 18 | Corporate qualification | C021–C022 | S_AL-P4-C009 | P4-S014 foreign-corporation procedure and entity records. | Farmer claims were unrelated. Whether remote conduct is “transacting business” remains held. |
| 19 | Federal consumer-purpose boundary | C028 | S_AL-P3-C028 | Original PASS-03 federal statutory sources unchanged. | No P4 substantive correction. |
| 20 | Original creditor federal status | C029–C031 | S_AL-P3-C029–C031 | Original federal sources unchanged. | No P4 substantive correction. |
| 21 | Debt-buyer federal status | C030–C033 | S_AL-P3-C030–C033; S_AL-P4-C013–C014 | P4-S012 Henson slip/PDF pages; P4-S011 footnote 5 exact page. | Only pagination corrected; prong analysis unchanged. |
| 22 | Servicer before/after default | C030, C034 | S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C013 | P4-S011 printed/PDF p. 4 and fn. 5 printed/PDF p. 8. | Factual and legal conditions unchanged. |
| 23 | Attorney collection and foreclosure boundary | C035–C036 | S_AL-P3-C035–C036 | Original PASS-03 judicial sources unchanged. | No P4 substantive correction. |
| 24 | Fiduciary exclusion | C037 | S_AL-P3-C037 | Original Harris source unchanged. | No P4 correction. |
| 25 | Full subsequent history | C039 | S_AL-P3-C039 | Original case set unchanged. | Still partial; no new citator/docket project. |
| 26 | Municipal collection or business-license law | C005, C010 | S_AL-P4-C008 | P4-S003 lines 139–142; P4-S002 methodology. | Old claims were state/county arithmetic and charter search. Full local variation remains open. |
| 27 | Tribal law and jurisdiction | — | No claim assigned. | No nation-specific source read. | Excluded; remains entirely open. |
| 28 | Communication frequency, contact times and channel restrictions | C018 | S_AL-P3-C018; S_AL-P4-C005 | P4-S006 opening clause; detailed items not adopted into this pass. | Still excluded as a separate conduct pass; Rule .07 applies to licensees. |
| 29 | Validation, disputes and credit reporting | — | No claim assigned. | No applicable source read in this correction. | Excluded; remains open. |
| 30 | Limitations, revival and time-barred debt | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 31 | Lawsuits, standing, proof, judgments and garnishment | C035 only | S_AL-P3-C025; S_AL-P3-C035 | P4-S015 for professional authority; original attorney-FDCPA source for litigation coverage. | Supports only attorney authority and federal litigation coverage—not standing, evidence, judgments, garnishment, or procedure. |
| 32 | Exemptions from execution and garnishment | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 33 | Secured debt, repossession and foreclosure substance | C006, C036 | S_AL-P3-C036; S_AL-P4-C017 | P4-S002 repossession interpretation; original foreclosure source for federal boundary. | Arithmetic C006 removed. Alabama repossession/foreclosure substance remains excluded. |
| 34 | Remedies, damages and enforcement | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 35 | Contracts, assignment validity and chain of title | C012, C021–C023 | S_AL-P3-C012; S_AL-P3-C021–C023; S_AL-P4-C015 | P4-S005 Rule .01; prior Farmer source; no contracts reviewed. | Claims support classification dependencies only, not validity, transfer proof, or chain-of-title merits. |
| 36 | PASS-01/PASS-02 provider-access, fee, transmission and UPL holds | C040 | S_AL-P3-C040 | Scope boundary only. | All earlier holds remain preserved and unaccepted. |
| 37 | Alabama, component, or A066 acceptance | “All limitations above” | S_AL-P3-C040; S_AL-P4-C001–C017 | Entire PASS-04 correction record. | No state, component, A066, parent, publication, or operational acceptance. |
| Corrected component | PASS-04 disposition | Exact remaining gap / next evidence |
|---|---|---|
| Official current §§40-12-80 and 40-12-2 | Current-text claim withdrawn and replaced with a hold. | Obtain readable official full text, history, Act 2001-454, effective clause, and subsequent amendment chain. |
| Official current §§5-19-1 and 5-19-22 | Current-text claim withdrawn. The 2025 mirrors remain secondary only. | Obtain readable official complete text and reconcile Act 96-576 and later amendments. |
| ALDOR handbook pagination | Corrected completely. | No further page-label work required unless a newer handbook replaces the October 2022 edition. |
| ALDOR remote/agent/repossession interpretations | Verified as October 2022 agency guidance. | Controlling adjudication, formal interpretation, or current official statute remains missing; online-only treatment remains open. |
| Rule .01 direct source | Resolved. Exact current PDF, paragraphs, and history verified. | Do not extend its older exemption list beyond its own text; current statute remains held. |
| Rule .07 direct source | Resolved. | Detailed conduct analysis remains a later pass. |
| Rule .08 direct source | Direct PDF and agency index verified as stating Sept. 1, 2026. | Explain or reconcile the separate July 13 publication-history metadata; retrieve exact NMLS checklist package. |
| Current versus legacy application procedure | Current NMLS route identified; old mail page confirmed still online. | Formal status or withdrawal of legacy page remains unverified. |
| Glover/Booze pagination | Corrected. | No broader subsequent-history work requested or completed. |
| Henson pagination | Corrected. | No substantive change. |
| Seven example references | All seven corrected. | Every original factual/entity-specific hold remains. |
| Thirty-seven coverage references | All 37 audited and corrected. | “Answered” or a corrected citation is not coordinator acceptance and does not close underlying substantive gaps. |
| Numerical outputs | No change. | Current legal applicability of the §40 amounts still depends on the unread official current codification and actual place/entity facts. |
| Public authority lookups | Procedures identified and reference errors corrected. | No named entity, branch, attorney, county record, or municipality was searched. |
| Corporate qualification | Correct authoritative procedure substituted for unrelated Farmer claims. | Actual foreign-entity nexus and statutory exceptions remain open. |
| Municipal, county, and tribal variation | Preserved as partial/excluded. | Actual county/city and nation-specific law must be researched when locations/entities are known. |
| Commercial-only, debt-buyer, servicer, and online boundaries | No substantive closure. | Exact current statutes, controlling Alabama interpretations, actual contracts, ownership, default timing, and location/agent facts remain required. |
| Earlier debtor-side fee, UPL, transmission, forms, and case-history holds | Unchanged. | PASS-04 supplies no cross-component authorization or acceptance. |
No new worked example was necessary. The existing examples’ numerical operations were not changed.
This was regular-chat public-source research. No Deep Research, Work, API, Chrome control, contact, filing, application, purchase, account change, site change, private borrower data, local write, or publication action occurred. Search-indexed text was not substituted for unread operative statutory text. Secondary mirrors were not promoted to current official law. This is a researcher self-check, not an independent review.
No whole-state, component, A066, parent, operational, or publication acceptance follows.
END S_AL PASS-04.
Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Source ID · Title, issuer, and direct literal URL · Exact passage, version, effectivity, and page labels · 16 data rows
| Source ID | Title, issuer, and direct literal URL | Exact passage, version, effectivity, and page labels | Actual access status, jurisdiction, and limits |
|---|---|---|---|
| S_AL-P4-S001 | Alabama Legislature Code viewer routes: https://alison.legislature.state.al.us/code-of-alabama?section=40-12-80&title=40 https://alison.legislature.state.al.us/code-of-alabama?section=40-12-2 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-1 https://alison.legislature.state.al.us/code-of-alabama?section=5-19-22 | Each requested section URL opened to a 58-line navigation shell. No complete section text, amendment history, version stamp, or codification currency was readable. | F for operative text; D only. Official Alabama host, accessed Oct. 24, 2026. Search-indexed excerpts were not elevated to operative text. Act 2001-454, Act 96-576, and the complete amendment chains remain held. Alabama Legislature +3 |
| S_AL-P4-S002 | ALDOR, Handbook of Privilege and Store Licenses: https://www.revenue.alabama.gov/wp-content/uploads/2022/03/201008_HandbookPrivStoreLicences_revOct20.pdf | Dated October 2022. Methodology: printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies: printed p. 41 / one-based PDF p. 43 / zero-index 42. Collection page reproduces §40-12-80 wording, $151/$38.50 totals, per-place rule, remote/no-agent interpretation, Alabama-agent examples, and repossession distinction. | R/S. Official agency guidance currently linked by ALDOR. It identifies some following material as “Interpretations.” It is not verified current official statutory codification, an adopted rule, or a controlling judgment. Collection-page screenshot repeatedly returned a cache miss, but the PDF text and pagination were read. Alabama Department of Revenue +3 |
| S_AL-P4-S003 | ALDOR, “Business Privilege License”: https://www.revenue.alabama.gov/business-license/business-privilege-tax/ | Lines 139–142: Title 40, Chapter 12 privilege-license description; state/county licenses issued by county probate judge or license commissioner; generally required in each county unless otherwise provided; ALDOR does not administer municipal licenses; current handbook link. | R. Official current operational page, accessed Oct. 24, 2026. It supports procedure, not the complete text or currentness of any specific Code section. Alabama Department of Revenue |
| S_AL-P4-S004 | Alabama State Banking Department, “BOL Regulations”: https://banking.alabama.gov/bol/bol-regulations/ | Identifies the page as “Current Regulations”; links Rule .08 with “Effective: September 1, 2026,” Rule .01 with “Amended: January 1, 2020,” and Rule .07 with “Amended: August 1, 2002.” | R. Official agency current-regulations index. Direct PDFs were separately opened and read as S005–S007. Alabama State Banking Department |
| S_AL-P4-S005 | Rule 155-2-2-.01, Licensing — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf | One-page rule. ¶(1): license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt. ¶(3): enumerated institutional exemptions do not extend to consumer-finance subsidiaries. ¶¶(4)–(6): application, minimum $25,000 tangible net worth/capital, and fees. History: effective Oct. 1, 1997; amended Jan. 1, 2020. | R/S. Official current-rule PDF linked by S004. The rule does not establish that its older enumerated institutional list is identical to every exception in a later statutory version. Alabama State Banking Department +3 |
| S_AL-P4-S006 | Rule 155-2-2-.07, Restricted Activities — Alabama Consumer Credit Act: https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf | One-page rule. Opening clause applies collection procedures and practices “by a licensee.” Lists six unreasonable tactics. History: amended Aug. 1, 2002. | R/S. Official current-rule PDF. It regulates collection practices of an ACCA licensee; it is not a general collection-agency licensing provision. Alabama State Banking Department +1 |
| S_AL-P4-S007 | Rule 155-2-1-.08, Original Application Forms, Renewal Forms, Amendments, and Annual Reports: https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf | ¶(1): all Bureau of Loans original applications, renewals, amendments, and annual reports must be submitted through NMLS. History line: Effective September 1, 2026. | R/S. Official current-rule PDF linked by S004. The separate July 13 metadata entry remains unexplained. Alabama State Banking Department +1 |
| S_AL-P4-S008 | Alabama State Banking Department, “BOL Forms and Applications”: https://banking.alabama.gov/bol/bol-forms-and-apps/ | Lines 3–5: NMLS use for all license types beginning Sept. 1 and “Non-Mortgage Consumer Credit Act Original License Application” terminology. Lines 24–30: Sept. 1–Dec. 31, 2026 transition period; transitioned expiration to Dec. 31, 2027; existing non-mortgage Consumer Credit licensees move to the new license type. | R. Official current operational instructions. Does not itself establish the full statutory coverage of the new license type. Alabama State Banking Department +2 |
| S_AL-P4-S009 | Legacy “ACCA Original License Application Package”: https://banking.alabama.gov/bol/bol-forms-and-apps/bol_acca_apps/acca-original/ | Line 11 says all original applications must be printed and mailed, one per Alabama office. | R, but current applicability unresolved. The page remains online and conflicts with current Rule .08 and S008. It is not treated as the governing 2026 procedure. Alabama State Banking Department |
| S_AL-P4-S010 | Justia 2025 reproductions: https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-1/ https://law.justia.com/codes/alabama/title-5/chapter-19/section-5-19-22/ | §5-19-1: “consumer” and “creditor,” lines 67–69. §5-19-22: activities, institutional and seller exceptions, and location provisions, lines 60–72. Both are expressly labeled 2025. | R, secondary mirror only. Justia expressly warns that the Code may not be the most recent version. No 2026 official-currentness promotion. Act 96-576 and later amendment chain remain held. Justia Law +3 |
| S_AL-P4-S011 | Glover/Booze v. Ocwen Loan Servicing, LLC, Eleventh Circuit: https://media.ca11.uscourts.gov/opinions/pub/files/202312578.pdf | Servicing-after-default facts: printed opinion p. 4 / one-based PDF p. 4 / zero-index 3. Footnote 5: printed opinion p. 8 / one-based PDF p. 8 / zero-index 7. The footnote explains “any debts” by citing Davidson. | R/S. Official published Eleventh Circuit opinion filed Feb. 4, 2025. No new docket or subsequent-history project undertaken. 11th Circuit Court +3 |
| S_AL-P4-S012 | Henson v. Santander Consumer USA Inc., U.S. Supreme Court: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Opinion begins at slip p. 1 / one-based PDF p. 3 / zero-index 2. Own-account purchaser discussion is at slip p. 2 / PDF p. 4 / zero-index 3. Principal-purpose and third-party theories expressly left open at slip p. 3 / PDF p. 5 / zero-index 4. | R/S. Official Supreme Court slip opinion dated June 12, 2017. “Slip pages” must not be confused with whole-file PDF pages because two syllabus pages precede the opinion. Supreme Court +4 |
| S_AL-P4-S013 | Alabama Administrative Code Rule .08 route: https://admincode.legislature.state.al.us/administrative-code/155-2-1-.08 | Rendered page returned a JavaScript-only shell. Indexed official-page content states history “effective September 1, 2026,” but separately displays “Certified New Rule … Effective Jul 13, 2026.” | F for rendered operative page; D for indexed metadata. The discrepancy was not resolved. The direct agency PDF and current-regulations page establish what they themselves state, but do not explain the July 13 entry. Alabama Administrative Code +1 |
| S_AL-P4-S014 | Alabama Secretary of State: https://www.sos.alabama.gov/business-entities/foreign-corporations https://www.sos.alabama.gov/government-records/business-entity-records | Foreign-corporation page says a certificate of authority is required before “transacting business” and gives filing procedure. Records page provides public entity-record access. | R. Official procedural evidence. It is not collection authority and does not resolve whether a particular remote collector is “transacting business.” Alabama Secretary of State +1 |
| S_AL-P4-S015 | Alabama State Bar: https://www.alabar.org/members/attorney-licensing/ https://members.alabar.org/Member_Portal/Member_Portal/Member-Search.aspx | Licensing page: occupational license required for private practice; special membership is for a lawyer not actively practicing privately. Search interface lists name, firm, city/county and other fields; displayed discipline begins Jan. 2018; practice areas are self-reported and unverified. | R. Official procedure and lookup. No attorney or law firm searched. Alabama State Bar +1 |
| S_AL-P4-S016 | Alabama State Banking Department lookups: https://banking.alabama.gov/verify-service-providers/ https://apps.banking.alabama.gov/LicenseesBOL.aspx | NMLS Consumer Access is presented as a free authorization-verification service. The BOL search accepts license type, number, company, and city. | R. Official lookup procedures. No named company or guessed entity searched. Alabama State Banking Department +1 |
Claim ID · Precise corrective assertion · Sources and exact pinpoints · 17 data rows
| Claim ID | Precise corrective assertion | Sources and exact pinpoints | Conditions, limits, and confidence |
|---|---|---|---|
| S_AL-P4-C001 | PASS-03 did not verify complete current official text for §§40-12-80, 40-12-2, 5-19-1, or 5-19-22. The official URLs returned navigation shells; indexed excerpts were discovery only. | S001, all four routes. | High access finding. No inference about the missing text’s contents or amendment status. |
| S_AL-P4-C002 | ALDOR currently links an October 2022 handbook that reproduces §40-12-80 wording and operational interpretations. It is dated guidance, not verified 2026 codification. | S002, methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42; S003 lines 139–142. | High document-status finding. Do not elevate the “Interpretations” to a formal rule or court holding. |
| S_AL-P4-C003 | The $151 and $38.50 totals, 50% county component, $1 fee, per-place treatment, and quoted §40-12-80 trigger are supported as October 2022 ALDOR handbook content; their status as complete current statutory text remains held. | S002 collection page and methodology. | Arithmetic remains correct. Act 2001-454 and the full §40-12-2/§40-12-80 amendment chain remain unverified. |
| S_AL-P4-C004 | Current Rule 155-2-2-.01 requires a license for each proposed location before making consumer loans or taking assignments of consumer-credit contracts unless exempt, requires an application, and requires at least $25,000 tangible net worth/capital. | S005 ¶¶(1), (4)–(6). | High current-rule evidence. Does not establish every current statutory location or entity exception. |
| S_AL-P4-C005 | Rule 155-2-2-.07 regulates collection procedures and practices “by a licensee”; it is not a general collection-agency licensing rule. | S006 opening clause and history. | High. Detailed conduct remains outside this correction pass. |
| S_AL-P4-C006 | Current Rule 155-2-1-.08 requires all Bureau of Loans applications, renewals, amendments, and annual reports to be submitted through NMLS and states an effective date of September 1, 2026. | S004 lines 31–38; S007 ¶(1) and history. | High for what the direct rule and agency index state. |
| S_AL-P4-C007 | The current forms page implements a Sept. 1–Dec. 31, 2026 NMLS transition and new Non-Mortgage Consumer Credit terminology. A legacy mail page remains online. The July 13 metadata entry and exact NMLS checklist package are unresolved. | S008 lines 3–5, 24–30; S009 line 11; S013 indexed metadata. | No conclusion that the conflicting material has been formally withdrawn or superseded in every context. |
| S_AL-P4-C008 | ALDOR directs businesses to county probate judges or license commissioners for state/county privilege licenses and separately directs municipal-license checks. No centralized statewide §40-12-80 authorization registry was established in this pass. | S003 lines 139–142; S002 methodology. | High procedure / bounded lookup result. Individual county and city records remain later checks. |
| S_AL-P4-C009 | Alabama Secretary of State foreign qualification and entity records are separate corporate procedures, not collection authority. Whether particular remote conduct constitutes “transacting business” remains unresolved. | S014. | High procedural distinction; held application. |
| S_AL-P4-C010 | Alabama Bar occupational status and the public member search are the appropriate procedural starting points for attorney authority, subject to the search page’s discipline-history and self-reported-practice limitations. | S015. | No named attorney or firm was searched or cleared. |
| S_AL-P4-C011 | NMLS Consumer Access and the Banking Department BOL search provide public financial-license verification procedures; they do not replace county §40-12-80 records or establish a named entity’s status without an actual search. | S016; S003. | No named-entity search conducted. |
| S_AL-P4-C012 | Correct ALDOR handbook page labels are: methodology printed 2/PDF 4/zero 3; collection agencies printed 41/PDF 43/zero 42. | S002. | Replaces ambiguous PASS-03 “p. 3” and “p. 42” labels. |
| S_AL-P4-C013 | Glover/Booze servicing-after-default facts are at printed/PDF p. 4, zero 3. Footnote 5 is at printed/PDF p. 8, zero 7—not “p. 7 n.5.” | S011. | Substantive holding unchanged; no expanded history check. |
| S_AL-P4-C014 | Henson citations must distinguish slip pagination from PDF pagination: relevant material at slip pp. 2–3 corresponds to one-based PDF pp. 4–5 and zero-index pp. 3–4. | S012. | Substantive holding unchanged. |
| S_AL-P4-C015 | Rule .01 independently supports per-location licensing and the $25,000 requirement, but broader remote-location and record-location provisions in PASS-03 came from a 2025 secondary mirror and remain currentness-qualified. | S005 ¶¶(1), (5); S010 §5-19-22(a). | Act 96-576 and full current statutory chain remain held. |
| S_AL-P4-C016 | Rule .01(3) specifically lists state or federal banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies, and denies those exemptions to their consumer-finance subsidiaries. | S005 ¶(3). | Do not infer this older rule list is identical to every entity exception in the 2025 mirror or a current unread statute. |
| S_AL-P4-C017 | The handbook’s repossession interpretation says repossession-only agents are outside §40-12-80, but soliciting collection claims while repossessing can bring the employer within the section. | S002, collection page, final interpretation bullets. | October 2022 agency interpretation only; not verified statutory text or controlling case law. |
PASS-03 source ID · Cell affected · Exact replacement cell · 10 data rows
| PASS-03 source ID | Cell affected | Exact replacement cell |
|---|---|---|
| S_AL-P3-S001 | “Pinpoint actually read; version and legal status” and “Access, jurisdiction, and limitations” | Replacement: “The official §40-12-80 URL was opened on October 24, 2026 Pacific and returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The wording, totals, and interpretations were actually read in ALDOR’s October 2022 handbook at printed p. 41 / one-based PDF p. 43 / zero-index 42. Status: F for complete official codification; R for dated ALDOR guidance. Current official text, Act 2001-454 effective clause, and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012. |
| S_AL-P3-S002 | Same cells | Replacement: “The official §40-12-2 URL returned a navigation shell without readable section text. Search-indexed excerpts were discovery only. The October 2022 handbook states at its methodology page—printed p. 2 / PDF p. 4 / zero 3—that displayed totals combine state and county portions, and its collection page states that the county levy is 50% of the state levy. Status: F for complete official codification; R for dated agency guidance. Complete current §40-12-2 text and amendment chain remain held.” Dependency: S_AL-P4-S001–S003; C001–C003, C012. |
| S_AL-P3-S004 | Pinpoint/page labels and limitations | Replacement: “October 2022 ALDOR handbook. Methodology at printed p. 2 / one-based PDF p. 4 / zero-index 3. Collection Agencies at printed p. 41 / one-based PDF p. 43 / zero-index 42. Currently linked by ALDOR, but dated guidance rather than verified current official codification, adopted rule, or controlling judgment.” Dependency: S_AL-P4-S002–S003; C002–C003, C012, C017. |
| S_AL-P3-S005 | Version/currentness and access | Replacement: “The official §5-19-1 URL opened to a navigation shell; no complete official-current section was read. The definitions were actually read in the expressly labeled 2025 Justia reproduction at subsections (2)–(3), but that reproduction warns it may not be the most recent version. Status: F official complete text; R secondary 2025 mirror. Act 96-576 and subsequent amendment chain remain held.” Dependency: S_AL-P4-S001, S010; C001, C015. |
| S_AL-P3-S006 | Version/currentness and limitations | Replacement: “Entirely retain the source as a 2025 unofficial reproduction. Relevant text: §5-19-22(a)(1)–(3), institutional and seller exceptions, and location/records provisions. Do not describe it as official 2026 current text. Rule 155-2-2-.01 independently verifies narrower per-location, subsidiary, application, and $25,000 provisions; the rule’s older institutional list is not presumed identical to the mirror’s later list.” Dependency: S_AL-P4-S005, S010; C004, C015–C016. |
| S_AL-P3-S007 | Title/locator, pinpoints, and effectivity | Replacement: “Current Banking Department regulation locators: Rule .01 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_.01_Licensing.pdf, ¶¶(1), (3)–(7), effective Oct. 1, 1997 and amended Jan. 1, 2020. Rule .07 — https://banking.alabama.gov/wp-content/uploads/2023/06/155_2_2_07.pdf, opening clause and items 1–6, amended Aug. 1, 2002. Rule .08 — https://banking.alabama.gov/wp-content/uploads/2026/07/155-2-1-.08-Original-Application-Forms-Renewal-Forms-Amendments-and-Annual-Reports.pdf, ¶¶(1)–(2), effective Sept. 1, 2026. All are directly linked from the agency’s Current Regulations page. The administrative-code July 13 metadata discrepancy remains held.” Dependency: S_AL-P4-S004–S007, S013. |
| S_AL-P3-S008 | Operational-procedure pinpoint and limits | Replacement: “The current forms page states that NMLS use began Sept. 1, identifies the Non-Mortgage Consumer Credit license, and gives a Sept. 1–Dec. 31, 2026 transition period. It supports current operational procedure only. The exact NMLS checklist package was not retrieved and no named licensee was searched.” Dependency: S_AL-P4-S008, S016; C007, C011. |
| S_AL-P3-S009 | Current-applicability limitation | Replacement: “The legacy ACCA page remains publicly accessible and says original applications must be printed and mailed. Because that instruction conflicts with current Rule .08 and the current transition page, it is retained as unresolved legacy/stale procedure and not treated as governing current intake.” Dependency: S_AL-P4-S007–S009; C006–C007. |
| S_AL-P3-S016 | Exact pinpoint | Replacement: “Henson, own-account purchaser and unanswered-theory discussion at slip opinion pp. 2–3, corresponding to one-based PDF pp. 4–5 and zero-index pp. 3–4. The opinion itself begins at slip p. 1 / PDF p. 3 / zero 2.” Dependency: S_AL-P4-S012; C014. |
| S_AL-P3-S018 | Exact pinpoint | Replacement: “Glover/Booze, servicing-after-default facts at printed opinion p. 4 / one-based PDF p. 4 / zero 3. Footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero 7. Replace every ‘p. 7 n.5’ locator accordingly.” Dependency: S_AL-P4-S011; C013. |
PASS-03 claim ID · Exact replacement · 20 data rows
| PASS-03 claim ID | Exact replacement |
|---|---|
| S_AL-P3-C001 | Replacement assertion/currentness: “ALDOR’s October 2022 handbook reproduces §40-12-80 as imposing combined state/county/issuance totals of $151 or $38.50 according to population tier. PASS-04 did not verify those amounts in readable current official codification.” Sources: P4-S002, printed 41/PDF 43/zero 42; P4-S001 failed official-text routes. |
| S_AL-P3-C002 | Replacement assertion/currentness: “The October 2022 handbook reproduces the deemed-agency trigger based on employing agents to solicit claims from persons, firms, or corporations in Alabama. Current official codification and amendment chain remain held.” Sources: P4-S002 collection page; P4-S001. |
| S_AL-P3-C003 | Replacement assertion/currentness: “The October 2022 handbook reproduces a final sentence excluding persons excluded from the federal FDCPA debt-collector definition. Its exact status in current official Alabama codification remains unverified.” Sources: P4-S002 collection page; P4-S001. |
| S_AL-P3-C004 | Replace source/confidence cell: “Supported procedurally by ALDOR’s current privilege-license page and October 2022 handbook. High as to agency characterization; current complete statutory text remains held.” Sources: P4-S002–S003. |
| S_AL-P3-C005 | Replace source/confidence cell: “The 50% county component, combined display convention, per-place procedure, and $1 component are supported by the October 2022 handbook and current ALDOR procedure page; complete current §40-12-2 text was not read.” Sources: P4-S002–S003. |
| S_AL-P3-C006 | Replacement assertion/currentness: “The handbook arithmetic is $150 combined state/county + $1 = $151, and $37.50 combined state/county + $1 = $38.50. Arithmetic verified; current official statutory amounts remain held.” Sources: P4-S002 printed 41/PDF 43/zero 42. |
| S_AL-P3-C007 | Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation stating that an out-of-state agency soliciting by letter/phone only and having no Alabama agents does not need Section 80.” Currentness: October 2022 agency interpretation, not controlling adjudication or verified 2026 Code text. |
| S_AL-P3-C008 | Replace source/pinpoint: “P4-S002, collection page, printed 41/PDF 43/zero 42, interpretation listing an Alabama employee, retained Alabama attorney, Alabama agency, or anyone in Alabama acting for the out-of-state agency as potential agents.” Currentness: Same dated-guidance qualification. |
| S_AL-P3-C009 | Replace confidence cell: “Bounded to the actual October 2022 handbook and the official materials retrieved. Does not establish that no specialized statute, local law, or later amendment imposes security, agent, or registration requirements.” |
| S_AL-P3-C010 | Replace confidence cell: “Bounded official-source search result only. Because readable current official §§40-12-80 and 40-12-2 were not obtained, this is not a categorical absence-of-regulation conclusion.” |
| S_AL-P3-C011–C013 | Add currentness qualification: “The underlying state classification application relies on the October 2022 ALDOR reproduction and interpretation, not verified current official statutory text. The original-creditor, purchaser, and commercial-only boundaries remain unresolved exactly as stated.” |
| S_AL-P3-C014 | Replacement source/currentness: “Definitions were actually read in the expressly labeled 2025 Justia mirror, P4-S010, §5-19-1(2)–(3). The official §5-19-1 route returned a shell. No 2026 official-currentness certification.” |
| S_AL-P3-C015 | Replacement source/currentness: “Current Rule .01(1) independently verifies a per-proposed-location license before making consumer loans or taking assignments unless exempt. Broader resident, remote, employee, and record-location details remain dependent on the 2025 mirror and unverified current statutory chain.” Sources: P4-S005 ¶(1); P4-S010 §5-19-22(a). |
| S_AL-P3-C016 | Replacement assertion: “Current Rule .01(3) states that exemptions for the specifically enumerated banks, trust companies, savings/building and loan associations, savings banks and other thrift institutions, credit unions, and life-insurance companies do not extend to their consumer-finance subsidiaries.” Limit: Do not merge this rule list with every entity exception in the later 2025 mirror. |
| S_AL-P3-C017 | Replacement source/currentness: “The $25,000 tangible-net-worth/capital requirement is directly verified by current Rule .01(5). Other statutory security alternatives or exceptions remain currentness-qualified.” |
| S_AL-P3-C018 | Replacement source/limit: “Direct Rule .07 opening clause, P4-S006: collection procedures and practices ‘by a licensee’ must comply with applicable law. The rule is not a general collection-agency license.” |
| S_AL-P3-C019 | Replacement assertion/source: “Direct Rule .08 and the current regulations/forms pages support NMLS submission and a stated Sept. 1, 2026 effective/implementation date. The July 13 administrative-code metadata entry, legacy print/mail page, and exact NMLS checklist remain unresolved.” Sources: P4-S004, S007–S009, S013. |
| S_AL-P3-C022 | Replacement currentness qualification: “The comparison between Farmer and later statutory language relies on the 2025 §5-19-22 secondary mirror, not verified current official 2026 codification. The historical-versus-later wording observation remains qualified.” |
| S_AL-P3-C033 | Replace source pinpoint: “P4-S011, footnote 5 at printed opinion p. 8 / one-based PDF p. 8 / zero-index 7.” |
| S_AL-P3-C034 | Replace source pinpoint: “P4-S011: servicing rights acquired after default at printed/PDF p. 4 / zero 3; definition discussion and footnote 5 at printed/PDF p. 8 / zero 7. Substantive limitation unchanged.” |
PASS-03 example · Old PASS-03 claim list · Corrected exact claim list · 7 data rows
| PASS-03 example | Old PASS-03 claim list | Corrected exact claim list | Relevant source pinpoints | Unchanged legal hold |
|---|---|---|---|---|
| Example 1 — Consumer original creditor collecting in its own name | C010; C014–C017; C028–C031 | S_AL-P3-C011; S_AL-P3-C014–C017; S_AL-P3-C028–C031; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C015–C016 | P4-S001 official routes unavailable; P4-S005 Rule .01(1), (3), (5); P4-S010 §§5-19-1 and 5-19-22 mirrors. | Exact entity, origination role, exemption, license, employee identity, and name used remain unverified. C010 was unrelated bounded “no separate charter” research and is removed. |
| Example 2 — Third-party agency with Alabama office | C001–C009; C024–C030 | S_AL-P3-C001–C006; S_AL-P3-C009–C010; S_AL-P3-C024; S_AL-P3-C028–C030; S_AL-P4-C001–C003; S_AL-P4-C008–C009; S_AL-P4-C012 | P4-S002 printed 41/PDF 43/zero 42; P4-S003 county/municipal procedure; P4-S014 corporate procedure. | Numeric $151 result remains arithmetic only until current statute and actual place/license record are checked. |
| Example 3 — Remote agency using mail, phone, or online communications | C004–C006; C035; C038 | S_AL-P3-C007–C008; S_AL-P3-C028–C030; S_AL-P3-C038; S_AL-P4-C002; S_AL-P4-C008–C009; S_AL-P4-C012 | P4-S002 remote/no-agent and Alabama-agent interpretations, printed 41/PDF 43/zero 42; P4-S003; P4-S014. | Online-only activity, Alabama contractor/agent status, corporate nexus, and local law remain unresolved. Old C004–C006 were privilege-license nature/arithmetic; C035 was attorney-FDCPA coverage. |
| Example 4 — Purchased defaulted consumer account | C012; C014–C17; C021–C24; C032–C033 | S_AL-P3-C012; S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P3-C024; S_AL-P3-C030–C033; S_AL-P4-C001; S_AL-P4-C003–C004; S_AL-P4-C014–C016 | P4-S005 Rule .01; P4-S010 mirrors; P4-S012 Henson slip pp. 2–3/PDF pp. 4–5. | §40-12-80 purchaser status, ACCA creditor/assignment status, principal purpose, and actual documents remain open. “C17” is corrected to C017; servicer-specific C023 is removed. |
| Example 5 — Servicing obtained before or after default | C019; C023; C030; C034 | S_AL-P3-C007–C008; S_AL-P3-C014–C017; S_AL-P3-C023–C024; S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C004; S_AL-P4-C013; S_AL-P4-C015–C016 | P4-S005 Rule .01; P4-S011 facts at printed/PDF p. 4/zero 3 and fn. 5 at printed/PDF p. 8/zero 7. | Servicing versus assignment, ownership, default date, payee, portfolio role, and Alabama place/agent remain unresolved. NMLS-procedure C019 was unrelated to substantive classification and is removed. |
| Example 6 — Attorney collecting for creditor | C005; C025–C027; C035–C036 | S_AL-P3-C008; S_AL-P3-C025–C027; S_AL-P3-C035–C036; S_AL-P4-C010 | P4-S002 Alabama-attorney-as-agent interpretation; P4-S015 attorney licensing/search. | Bar status, regularity, client identity, debt purpose, exact demand, foreclosure conduct, and county-license application remain open. C005 is replaced by the actual agent-nexus C008. |
| Example 7 — Commercial-only collection | C013–C014; C024; C037 | S_AL-P3-C013–C014; S_AL-P3-C024; S_AL-P3-C028; S_AL-P4-C001; S_AL-P4-C003 | P4-S001 unavailable current Code; P4-S002 reproduced firms/corporations wording; prior federal debt definition remains applicable. | Commercial-only §40-12-80 coverage remains held. Fiduciary-exclusion C037 was unrelated and is removed; consumer-debt definition C028 is added. |
# · PASS-03 coverage-row identifier · Old claim references · 37 data rows
| # | PASS-03 coverage-row identifier | Old claim references | Corrected exact claim references | Relevant source pinpoints | Status and legal hold remain |
|---|---|---|---|---|---|
| 1 | Current §40-12-80 text and population amounts | C001–C003 | S_AL-P3-C001–C003; S_AL-P4-C001–C003; S_AL-P4-C012 | P4-S001 shell routes; P4-S002 printed 41/PDF 43/zero 42. | Unresolved current official text. Handbook wording verified only as dated agency guidance. |
| 2 | State/county per-place calculation | C004–C006 | S_AL-P3-C004–C006; S_AL-P4-C001–C003; S_AL-P4-C012 | P4-S002 methodology printed 2/PDF 4/zero 3; collection printed 41/PDF 43/zero 42. | Arithmetic unchanged; current §40-12-2 text and amendment chain remain held. |
| 3 | Remote letter/telephone agency with no Alabama agent | C007–C008 | S_AL-P3-C007–C008; S_AL-P4-C002; S_AL-P4-C012 | P4-S002 remote and agent interpretation bullets. | Answered only as October 2022 agency interpretation; internet-only boundary remains open. |
| 4 | Alabama agent, retained lawyer and local contractor | C008 | S_AL-P3-C008; S_AL-P4-C002; S_AL-P4-C012 | P4-S002 printed 41/PDF 43/zero 42. | Actual agency relationship remains fact-dependent. |
| 5 | General collection-agency bond, financial-fitness or agent registration | C009–C010 | S_AL-P3-C009–C010; S_AL-P4-C001–C003 | P4-S001 unavailable official statutes; P4-S002 dated handbook. | Bounded only to retrieved general materials; specialized law remains open. |
| 6 | Separate general supervisory collection charter | C010 | S_AL-P3-C010; S_AL-P4-C001–C003 | Same. | Bounded negative research result, not categorical absence. |
| 7 | Original-creditor §40-12-80 treatment | C011 | S_AL-P3-C011; S_AL-P4-C001–C003 | P4-S002 reproduced deemed-agency trigger. | Controlling Alabama interpretation beyond that trigger remains missing. |
| 8 | Outright debt-buyer §40-12-80 treatment | C012 | S_AL-P3-C012; S_AL-P4-C001–C003 | Same. | Ownership-only purchaser treatment remains unresolved. |
| 9 | Commercial-only §40-12-80 coverage | C013 | S_AL-P3-C013; S_AL-P4-C001–C003 | P4-S002 “persons, firms, or corporations” wording and federal cross-reference. | State reconciliation remains unresolved. |
| 10 | ACCA consumer and creditor definitions | C014 | S_AL-P3-C014; S_AL-P4-C001; S_AL-P4-C003 | P4-S010 §5-19-1(2)–(3), expressly 2025 mirror. | Definitions read in secondary mirror; current official codification held. |
| 11 | ACCA assignment-license trigger | C015–C017 | S_AL-P3-C014–C017; S_AL-P3-C021–C022; S_AL-P4-C004; S_AL-P4-C015–C016 | P4-S005 Rule .01(1), (3)–(5); P4-S010 §5-19-22(a). | Current rule verified; full statutory location and entity exceptions held. |
| 12 | Consumer-finance subsidiary exemption | C016 | S_AL-P3-C016; S_AL-P4-C004; S_AL-P4-C016 | P4-S005 Rule .01(3). | Exact rule list verified; no extrapolation to every later statutory exception. |
| 13 | ACCA security and location requirements | C015–C017 | S_AL-P3-C015; S_AL-P3-C017; S_AL-P4-C004; S_AL-P4-C015 | P4-S005 Rule .01(1), (5). | $25,000 and per-proposed-location rule verified; broader statutory location/security alternatives held. |
| 14 | Current NMLS procedure | C019–C020 | S_AL-P3-C019; S_AL-P4-C006–C007 | P4-S007 Rule .08; P4-S008 transition; P4-S009 legacy page; P4-S013 metadata. | C020 lookup claim removed from procedure row. July 13 metadata, stale page, and checklist remain open. |
| 15 | Public general collector lookup | C008–C010 | S_AL-P3-C010; S_AL-P4-C008 | P4-S003 county issuance and municipal instruction. | No centralized §40-12-80 registry established; county/city checks remain necessary. |
| 16 | Public ACCA lookup | C020 | S_AL-P3-C020; S_AL-P4-C011 | P4-S016 NMLS Consumer Access and BOL fields. | Procedure established; no entity searched. |
| 17 | Attorney authority lookup | C025–C026 | S_AL-P3-C025; S_AL-P4-C010 | P4-S015 occupational license and member-search limitations. | C026 concerns federal attorney coverage, not authority lookup, and is removed. |
| 18 | Corporate qualification | C021–C022 | S_AL-P4-C009 | P4-S014 foreign-corporation procedure and entity records. | Farmer claims were unrelated. Whether remote conduct is “transacting business” remains held. |
| 19 | Federal consumer-purpose boundary | C028 | S_AL-P3-C028 | Original PASS-03 federal statutory sources unchanged. | No P4 substantive correction. |
| 20 | Original creditor federal status | C029–C031 | S_AL-P3-C029–C031 | Original federal sources unchanged. | No P4 substantive correction. |
| 21 | Debt-buyer federal status | C030–C033 | S_AL-P3-C030–C033; S_AL-P4-C013–C014 | P4-S012 Henson slip/PDF pages; P4-S011 footnote 5 exact page. | Only pagination corrected; prong analysis unchanged. |
| 22 | Servicer before/after default | C030, C034 | S_AL-P3-C030; S_AL-P3-C034; S_AL-P4-C013 | P4-S011 printed/PDF p. 4 and fn. 5 printed/PDF p. 8. | Factual and legal conditions unchanged. |
| 23 | Attorney collection and foreclosure boundary | C035–C036 | S_AL-P3-C035–C036 | Original PASS-03 judicial sources unchanged. | No P4 substantive correction. |
| 24 | Fiduciary exclusion | C037 | S_AL-P3-C037 | Original Harris source unchanged. | No P4 correction. |
| 25 | Full subsequent history | C039 | S_AL-P3-C039 | Original case set unchanged. | Still partial; no new citator/docket project. |
| 26 | Municipal collection or business-license law | C005, C010 | S_AL-P4-C008 | P4-S003 lines 139–142; P4-S002 methodology. | Old claims were state/county arithmetic and charter search. Full local variation remains open. |
| 27 | Tribal law and jurisdiction | — | No claim assigned. | No nation-specific source read. | Excluded; remains entirely open. |
| 28 | Communication frequency, contact times and channel restrictions | C018 | S_AL-P3-C018; S_AL-P4-C005 | P4-S006 opening clause; detailed items not adopted into this pass. | Still excluded as a separate conduct pass; Rule .07 applies to licensees. |
| 29 | Validation, disputes and credit reporting | — | No claim assigned. | No applicable source read in this correction. | Excluded; remains open. |
| 30 | Limitations, revival and time-barred debt | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 31 | Lawsuits, standing, proof, judgments and garnishment | C035 only | S_AL-P3-C025; S_AL-P3-C035 | P4-S015 for professional authority; original attorney-FDCPA source for litigation coverage. | Supports only attorney authority and federal litigation coverage—not standing, evidence, judgments, garnishment, or procedure. |
| 32 | Exemptions from execution and garnishment | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 33 | Secured debt, repossession and foreclosure substance | C006, C036 | S_AL-P3-C036; S_AL-P4-C017 | P4-S002 repossession interpretation; original foreclosure source for federal boundary. | Arithmetic C006 removed. Alabama repossession/foreclosure substance remains excluded. |
| 34 | Remedies, damages and enforcement | — | No claim assigned. | No applicable source read. | Excluded; remains open. |
| 35 | Contracts, assignment validity and chain of title | C012, C021–C023 | S_AL-P3-C012; S_AL-P3-C021–C023; S_AL-P4-C015 | P4-S005 Rule .01; prior Farmer source; no contracts reviewed. | Claims support classification dependencies only, not validity, transfer proof, or chain-of-title merits. |
| 36 | PASS-01/PASS-02 provider-access, fee, transmission and UPL holds | C040 | S_AL-P3-C040 | Scope boundary only. | All earlier holds remain preserved and unaccepted. |
| 37 | Alabama, component, or A066 acceptance | “All limitations above” | S_AL-P3-C040; S_AL-P4-C001–C017 | Entire PASS-04 correction record. | No state, component, A066, parent, publication, or operational acceptance. |
Corrected component · PASS-04 disposition · Exact remaining gap / next evidence · 18 data rows
| Corrected component | PASS-04 disposition | Exact remaining gap / next evidence |
|---|---|---|
| Official current §§40-12-80 and 40-12-2 | Current-text claim withdrawn and replaced with a hold. | Obtain readable official full text, history, Act 2001-454, effective clause, and subsequent amendment chain. |
| Official current §§5-19-1 and 5-19-22 | Current-text claim withdrawn. The 2025 mirrors remain secondary only. | Obtain readable official complete text and reconcile Act 96-576 and later amendments. |
| ALDOR handbook pagination | Corrected completely. | No further page-label work required unless a newer handbook replaces the October 2022 edition. |
| ALDOR remote/agent/repossession interpretations | Verified as October 2022 agency guidance. | Controlling adjudication, formal interpretation, or current official statute remains missing; online-only treatment remains open. |
| Rule .01 direct source | Resolved. Exact current PDF, paragraphs, and history verified. | Do not extend its older exemption list beyond its own text; current statute remains held. |
| Rule .07 direct source | Resolved. | Detailed conduct analysis remains a later pass. |
| Rule .08 direct source | Direct PDF and agency index verified as stating Sept. 1, 2026. | Explain or reconcile the separate July 13 publication-history metadata; retrieve exact NMLS checklist package. |
| Current versus legacy application procedure | Current NMLS route identified; old mail page confirmed still online. | Formal status or withdrawal of legacy page remains unverified. |
| Glover/Booze pagination | Corrected. | No broader subsequent-history work requested or completed. |
| Henson pagination | Corrected. | No substantive change. |
| Seven example references | All seven corrected. | Every original factual/entity-specific hold remains. |
| Thirty-seven coverage references | All 37 audited and corrected. | “Answered” or a corrected citation is not coordinator acceptance and does not close underlying substantive gaps. |
| Numerical outputs | No change. | Current legal applicability of the §40 amounts still depends on the unread official current codification and actual place/entity facts. |
| Public authority lookups | Procedures identified and reference errors corrected. | No named entity, branch, attorney, county record, or municipality was searched. |
| Corporate qualification | Correct authoritative procedure substituted for unrelated Farmer claims. | Actual foreign-entity nexus and statutory exceptions remain open. |
| Municipal, county, and tribal variation | Preserved as partial/excluded. | Actual county/city and nation-specific law must be researched when locations/entities are known. |
| Commercial-only, debt-buyer, servicer, and online boundaries | No substantive closure. | Exact current statutes, controlling Alabama interpretations, actual contracts, ownership, default timing, and location/agent facts remain required. |
| Earlier debtor-side fee, UPL, transmission, forms, and case-history holds | Unchanged. | PASS-04 supplies no cross-component authorization or acceptance. |
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
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Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.
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The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.
Recorded check status: recorded; no individual primary acceptance inferred
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Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Recorded check status: recorded; no individual primary acceptance inferred
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
revise
Inside: Alabama provider market access and consumer fees · 1. Definitions and classification depend on the actual conduct · Alabama’s two principal classification systems
Inside: A. Substantive findings · 1. Official §34-3-6 and the amendment-history reconciliation · 2. Porter, privity, and the actual negotiation boundary
Inside: 1. Alabama collection categories and activity, entity, and location triggers · A.1 Classification matrix · A.2 Consumer versus commercial debt
Inside: Exact replacement rows
Inside: Ordinary civil money-judgment wage garnishment, earnings exemptions, and the claim–contest–hearing gateway · Register counts · 1. There is no single “Alabama wage-garnishment formula”
Inside: Ordinary money-judgment bank-account garnishment and property-exemption claims · 1. Alabama’s published amount is not an automatic bank-account allowance · 2. Depositing wages does not automatically preserve employer-withholding treatment
Original saved Markdown SHA-256: 69bffd23b3fe06bd59a0ec2a38e8ba7e1292dd6794b283cee0a7403d66ec1d26. Public formatting, private-reference removal and correction annotations are separate from that immutable original.