FIND THE EXPLANATION
Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.
Explore Arkansas information →This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.
If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.
The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.
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.
These components repair their stated scope. They do not replace every other finding in this research series.
Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies →Research access date: October 27, 2026. Exact source-opening times were not logged and are unknown. The supplied October 22 baseline is not a current-verification date.
Provenance: Earlier outputs remain unchanged. The supplied coordinator review of PASS-01 is not an independent review or a source-opening record. PASS-04, PASS-05, and PASS-06 were not used as legal premises. No local coordinator files were accessed or written.
Scope: Ordinary personal, family, or household debt; covered collection communications; initial validation information; disputes and original-creditor requests; and the conditions for pausing and resuming collection. Licensing, security, litigation procedure, limitation periods, judgment enforcement, damages, and the other deferred families are not resolved here.
Arkansas and federal requirements must be tested separately. Arkansas has additional workplace-contact and agency-identification provisions. Its validation statute expressly requires a written notice and does not reproduce every federal exception or Regulation F procedure. Federal compliance therefore does not, without further analysis, establish compliance with every applicable Arkansas requirement. C012–C014, C021, C039, C051–C053, C072. Arkansas General Assembly+1
There are three different validation events: providing the initial information, determining the actual or assumed receipt date, and receiving a timely written dispute or original-creditor request. The five-day notice requirement is not the five-excluded-day receipt assumption. A known delivery failure is not cured by assuming receipt. C050–C063. U.S. Code+2
An oral dispute and a timely written dispute have different consequences. An oral dispute can be relevant to disputed-debt reporting and whether a collector may assume validity. The statutory verification pause has a writing-and-timing predicate. A qualifying electronic submission can satisfy the federal writing requirement, but that is different from the collector satisfying E-SIGN requirements when delivering certain disclosures electronically. C035–C036, C063–C069. Consumer Financial Protection Bureau+1
Verification is not a judgment on ownership or liability. The Eighth Circuit’s Dunham decision approved verification sufficient for the particular mistaken-identity dispute before it. It did not impose—or abolish for every conceivable dispute—a universal requirement for a signed original contract, notarized affidavit, or complete trial-evidence package. C075–C078. U.S. Court of Appeals+1
Currentness is partially authenticated, not comprehensively certified. Official enactments, official federal text, official codified Arkansas rules, and published judicial bodies were read. The complete current Arkansas Code/adoption chain, state–federal harmonization decisions, and a full citator remain open.
In this report, S001 means S_AR-P07-S001, and C001 means S_AR-P07-C001.
| Actor or obligation | Supported classification inquiry | Conditions and unresolved application |
|---|---|---|
| Ordinary consumer obligation | Both the federal definition and Arkansas’s consumer-conduct subchapter address obligations arising primarily from personal, family, or household transactions. | A natural-person obligor alone does not make a business obligation a consumer debt. Mixed-purpose transactions require actual facts. C001. |
| Person wrongly pursued | “Consumer” includes an allegedly obligated person. | Dunham rejected the proposition that mistaken identity necessarily removes the person from the Act’s protections. C002. |
| Original creditor collecting in its own name | Ordinarily requires analysis distinct from a collector regularly collecting another’s debt. | The false-name provision and other statutory predicates can change the result. No universal original-creditor immunity is declared. C003–C004. |
| Purchaser of defaulted debt | Ownership does not settle every federal collector-status question. | Henson addressed the “owed another” branch; the principal-purpose branch remained open there. C008. |
| Debt buyer using outside collectors | Principal-purpose status can exist despite outsourcing. | Reygadas applied that branch on its record; it did not declare every investment owner a collector or resolve every agency-liability question. C009. |
| Servicer | Acquisition before or after default matters to the specified exclusion. | Actual acquisition, default status, role, and statutory branch must be established. Default timing is not a universal standalone status test. C005. |
| Employee or affiliate | The employee and affiliate exclusions contain separate conditions. | A common owner, salary, or corporate label does not automatically establish either exclusion. C006. |
| Fiduciary, government actor, process server, nonprofit counselor | Apply the particular statutory exclusion and its activity conditions. | No generic fiduciary, nonprofit, or government-connected exemption is presumed. C007. |
| Attorney or law firm | Regular consumer-debt collection through litigation can be covered. | Heintz rejects a blanket federal attorney exemption. Particular formal-pleading exceptions do not exempt all attorney communications. C010. |
| Security-interest enforcer | Enforcement-only activity can have limited-purpose treatment under the federal definition. | Obduskey did not decide all judicial foreclosures, deficiency demands, or conduct beyond security enforcement. Ordinary money demands require separate analysis. C011. |
| State-license-exempt actor | State credential treatment and consumer-conduct coverage are different inquiries. | No conclusion from PASS-06 is adopted. C012. |
| Remote actor contacting Arkansas | The actual activity, consumer connection, applicable definition, and jurisdictional predicates matter. | Interstate-commerce/mails language is not a complete personal-jurisdiction or choice-of-law holding. An out-of-state office alone supplies no categorical federal exemption. C013. |
The Arkansas consumer-conduct definitions are in § 17-24-502. They are not interchangeable with every definition elsewhere in Chapter 24. The federal definitions are in 15 U.S.C. § 1692a and 12 C.F.R. § 1006.2. Justia Law+2
The Arkansas provisions often resemble the FDCPA, but resemblance does not establish that every later federal regulation, safe harbor, exception, or judicial gloss has become Arkansas law.
The reviewed § 17-24-512 contains a specified federal-advisory-opinion provision; it does not establish wholesale incorporation of all federal decisions or Regulation F. In Reygadas, the parties agreed that the state claims tracked the federal claims for that case. That procedural agreement is not a universal Arkansas statutory interpretation. C012, C072, C079, C082.
Federal law preserves compatible state protection, including greater protection. The result is not “federal law always replaces Arkansas law,” nor “every textual difference conclusively creates a separate violation.” The actual conflict and state-law interpretation must be established. C014. Justia Law+3
| Issue | Federal requirement | Arkansas requirement or additional condition | Application boundary |
|---|---|---|---|
| Time and place | Default convenient hours are after 8 a.m. and before 9 p.m. at the consumer’s location, absent contrary knowledge. | § 17-24-504 contains the corresponding time/place restriction. | A known inconvenient time or place can be prohibited within those hours. C015–C016. |
| Consumer initiates contact | Regulation F permits the specified limited response to a consumer’s inconvenient-time communication. | No unlimited future consent follows from that contact. | A response opportunity is not permission for an ongoing campaign. C016, C019. |
| Represented consumer | Known representation, ascertainable counsel contact, and the stated exceptions govern. | § 504 contains a corresponding counsel restriction. | Actual knowledge and reasonable attorney nonresponse or consent must be established. C017–C018. |
| Workplace | Known or reasonably known employer prohibition restricts contact. | § 307 and Rule 280-302 add a home-letter predicate before specified workplace letters or calls. | Satisfying the state home-letter condition does not override the federal employer prohibition. C020–C021. |
| Third parties | Collection disclosure is restricted, subject to specified recipients and exceptions. | § 504(b) supplies a parallel statutory restriction. | A spouse/representative definition for communications does not establish personal liability for the debt. C022–C023. |
| Location information | Identify the caller, explain the location-information purpose, disclose employer only if requested, and do not disclose the debt; repeated contacts are restricted. | § 503 separately supplies these conditions. | Locating the consumer is not permission to pressure relatives or coworkers. C024. |
| Global cease request | A qualifying written refusal or cease request restricts further communications, with three statutory exceptions. | § 504(c) has its own written-request and receipt language. | An exception does not authorize a false or unlawful threat. C025–C026. |
| Stop a particular medium | Regulation F recognizes medium-specific requests, including oral requests, and limited exceptions. | Do not assume that this is identical to Arkansas’s global written-cease procedure. | Stopping email does not itself extinguish the debt or necessarily stop every other lawful medium. C027–C028. |
| Harassment | General harassment prohibition applies across conduct and channels. | § 505 independently prohibits listed and other harassing conduct. | Numerical call presumptions are not universal safe harbors. C029, C044. |
| False statements and threats | Character, amount, legal status, authority, legal documents, and threatened action must not be misrepresented. | § 506 independently addresses corresponding conduct. | No suit, arrest, seizure, or “legal department” threat is validated merely because a debt is alleged. C030–C031. |
| Added interest or charges | An amount must be expressly authorized by the agreement creating the debt or permitted by law. | § 507(b)(1) separately imposes that condition. | A notice does not create an entitlement to a fee. C032. |
| Postdated instruments | Special notice and timing restrictions apply; early deposit and prosecution threats are restricted. | § 507 contains parallel provisions. | This pass gives no payment or instrument-use advice. C033. |
| Postcards and envelopes | Debt disclosure through postcards and prohibited envelope markings is restricted. | § 507 separately addresses these practices. | Business-name exceptions do not authorize a name that reveals collection contrary to the rule. C034. |
| Credit information | A collector must not communicate known or reasonably known false credit information, including omission of a known dispute. | § 506(b)(8) independently addresses disputed-debt representation. | Full FCRA furnishing, investigation, and reporting-period duties remain deferred. C035–C037. |
| Identification and translated disclosures | Initial and subsequent collector disclosures apply, with a formal-pleading exception; required disclosures must match the language used. | Rule 280-302 requires agency/trade-style identification and specified collection information. | Federal assumed-name or limited-content provisions do not automatically settle the state rule. C039, C089. |
Sources include Arkansas §§ 503–508, the official Board rule, FDCPA §§ 1692b–1692g, and Regulation F §§ 6, 10, 14, 18, and 22. Justia Law+6
The state workplace condition is specific: the reviewed text requires a good-faith attempt by letter at the debtor’s usual abode, with the mail not returned and no answer received, before the specified workplace contact. It is not a general rule that “one unanswered home call permits workplace calls.”
Rule 280-302 also requires the agency’s licensed name or authorized trade style and specified information in collection communications. The rule’s application to a federal limited-content voicemail remains a harmonization question—not an assumed safe harbor. C021, C039. Arkansas General Assembly+1
Regulation F has two separate telephone-frequency tests for a particular person and particular debt:
The conversation date is day one of the latter period. A consumer-initiated conversation can start it. Both tests and their exclusions matter. C040–C042. Consumer Financial Protection Bureau
Ringing and voicemail connections count even without an answered conversation. A busy signal or number-not-in-service result is an identified nonconnection example. Consent-based exclusions are limited in duration and scope; they do not establish unlimited consent. Calls discussing multiple debts and unanswered calls have distinct allocation rules. The special student-loan grouping rule is not a general account-consolidation permission. C042–C043. Consumer Financial Protection Bureau
Even a collector within the numerical presumption can face contrary evidence from concentrated calls, prior requests, abusive content, or the overall pattern. Arkansas’s harassment provision was not read as creating a seven-call safe harbor. C029, C044.
A limited-content message is a narrowly defined voicemail, not any short message. It requires the specified non-debt-indicating business name, callback request, natural-person contact name, and number, with only the permitted optional additions. A qualifying message is not a federal “communication,” but remains an attempt to communicate and counts for relevant telephone rules. Adding debt information can change the classification. C038–C039. Consumer Financial Protection Bureau+1
The email and text procedures in § 1006.6(d) support a specified third-party-disclosure defense framework. They are not universal authorization to use every address or number.
| Channel | Material predicates actually read | Limit |
|---|---|---|
| Consumer-provided email | Direct use about the debt or direct consent, without relevant opt-out/withdrawal. | An address somewhere in an old file is not automatically qualifying consent. |
| Creditor-transfer email route | Prior creditor use, named-collector notice, shared-address warning, simple opt-out, at least 35 days to respond, and additional conditions. | Not a shortcut for a known employer-provided email address. |
| Prior-collector email route | Specified qualifying origin, actual use by the immediately preceding collector, and no opt-out. | The collection chain must satisfy the rule’s facts. |
| Text | Direct consumer text/consent plus the specified recent-contact or reassignment-check conditions. | A voice call alone is not the consumer-text predicate. |
| Electronic opt-out | Simple instructions in each covered electronic communication or attempt, without a fee or unnecessary additional information. | Required disclosures cannot be sent to an opted-out address merely because they are required. |
| Social media | Publicly viewable collection contact is prohibited; private contact remains subject to other rules. | A private-message setting does not cure deception, third-party exposure, or lack of a lawful basis. |
C045–C049. Consumer Financial Protection Bureau+3
This is also the 14-row workflow coverage register.
| Row | Actor/event | Required step or effect | Clock and qualification |
|---|---|---|---|
| W01 | Collector selects a communication | Establish collector, consumer, debt, and communication predicates. | No actual role or debt is assumed. C001–C013. |
| W02 | First covered communication | Federal validation information may be provided initially or through the prescribed follow-up route. | Five-day follow-up is distinct from assumed receipt. C050. |
| W03 | Arkansas-covered initial contact | State text requires written notice initially or within five days unless paid. | Federal oral-only alternative is not expressly reproduced. C051–C053. |
| W04 | Notice is prepared | Identify collector, consumer, creditor, reference date, amounts, itemization, rights, and response information as applicable. | Itemization is not proof of ownership or accrual. C054–C058. |
| W05 | Notice is sent | Use a method reasonably expected to provide actual notice and retainable access. | Known nondelivery defeats that delivery attempt. C062–C063. |
| W06 | Receipt is determined | Apply actual receipt or the federal permitted assumption. | Five excluded-day assumption differs from the thirty-day period. C059–C061. |
| W07 | Consumer disputes orally | Consider the dispute for applicable representation and reporting duties. | Oral dispute alone does not establish the written-dispute pause. C035, C064. |
| W08 | Consumer submits timely writing | Accepted electronic channels can qualify federally. | Submission and collector receipt are distinct events. C065–C066. |
| W09 | Collector receives timely written dispute | Stop collection of the debt or disputed portion until compliant response. | Mere internal confirmation is insufficient. C066, C069. |
| W10 | Collector receives timely original-creditor request | Stop collection pending the required response. | Special federal same-creditor procedure exists; state integration held. C067–C068. |
| W11 | Collector verifies | Obtain and send the required verification/judgment or creditor information. | No universal thirty-day collector-response deadline was established. C069–C070. |
| W12 | Repeated dispute arrives | Apply the federal duplicative-dispute definition and required response. | New material evidence defeats that shortcut; state counterpart not established. C071–C072. |
| W13 | Collector considers resuming | Confirm the applicable pause-ending event and all independent restrictions. | Sending a sufficient response is not a universal license to contact by every medium. C069, C077–C078. |
| W14 | Litigation or other process exists | Treat its deadlines and defenses separately. | A validation request does not itself extend an answer deadline or determine accrual. C077–C078. |
The text of Arkansas § 17-24-508 contains the written-notice and mailed-response requirements described above. It does not expressly reproduce the federal formal-pleading/privacy exclusions, Regulation F’s assumed-receipt mechanism, duplicative-dispute procedure, or all electronic-delivery alternatives.
That does not establish that electronic compliance is always impossible under Arkansas law. It means the relevant state electronic-transactions law, federal preemption/E-SIGN interaction, and controlling Arkansas interpretation must be examined before declaring those alternatives equivalent. C051–C053, C072. Justia Law+2
Regulation F’s itemization date may be a permitted last-statement, charge-off, last-payment, transaction, or judgment date. A collector must use the chosen reference consistently for the required information. That choice is a disclosure convention, not a determination of the limitations trigger.
The notice’s required information includes the pertinent amount and itemization, collector and consumer information, current creditor, and applicable account and creditor-at-itemization information. The additional creditor-at-itemization and CFPB-information requirements depend on the consumer-financial-product-or-service predicate. An original-creditor identification request is a distinct right. C054–C057. Consumer Financial Protection Bureau+2
The model-form safe harbor concerns specified information/form and related overshadowing requirements. It does not establish accurate ownership, authorized interest, lawful collection, or proof sufficient for judgment. No model letter was adopted or sent in this pass. C058, C076–C078. Consumer Financial Protection Bureau+1
The federal validation period begins when the information is provided and ends thirty days after actual or assumed receipt. The permitted assumption allows at least five days after provision, excluding Saturdays, Sundays, and the referenced legal public holidays. Official commentary permits maintaining the disclosed assumed date even if a different actual-receipt date is later learned. C059–C061.
But a returned letter or bounce is not simply “five days, therefore received.” Section 1006.42’s actual-notice standard and the official interpretations require the delivery failure to be addressed. C062. Consumer Financial Protection Bureau+1
Certain follow-up validation notices and verification/original-creditor responses sent electronically must satisfy E-SIGN § 101(c). Its informed-consent and access requirements are not equivalent to merely knowing an email address. A consumer’s written dispute through an accepted electronic channel is a different transaction. C063–C065. U.S. Code+2
A known dispute may be relevant even when communicated orally. Wilhelm distinguishes the duty not to omit a known dispute in a credit communication from a universal affirmative duty to update every earlier report under that FDCPA clause. Full FCRA duties remain open. C035–C036. U.S. Court of Appeals
Regulation F also imposes a contact/delivery prerequisite before specified furnishing. Its official interpretation identifies fourteen consecutive days as a reasonable waiting period in the addressed notice-and-undeliverability procedure. This is not a verification ruling, ownership finding, or general FCRA compliance certificate. C037. Consumer Financial Protection Bureau
All six opinions below were read from official court or government repositories. No private docket was searched.
| Authority | Court/date, posture, and material majority holding | Separate writing, treatment, and limits |
|---|---|---|
| Henson v. Santander, 582 U.S. 79 — S039 | U.S. Supreme Court, June 12, 2017; unanimous. Purchasing and collecting owned debts did not satisfy the particular “owed another” branch adjudicated. | Principal-purpose and other possible collection activity were expressly left unresolved. Later Reygadas analysis read. |
| Reygadas v. DNF Associates, 982 F.3d 1119 — S040 | Eighth Circuit, December 14, 2020; published. Outsourced collection did not defeat principal-purpose status on the record. | The liability judgment was vacated/remanded on separate agency/knowledge grounds. Principal’s counsel knowledge was not automatically imputed to the downstream agent. No separate opinion shown. |
| Heintz v. Jenkins, 514 U.S. 291 — S041 | U.S. Supreme Court, April 18, 1995; unanimous. Regular consumer collection through attorney litigation falls within the FDCPA. | Current pleading-specific exceptions remain separate. Not a ruling that all legal work is debt collection. |
| Obduskey v. McCarthy & Holthus, 586 U.S. 466 — S042 | U.S. Supreme Court, March 20, 2019; unanimous. The nonjudicial security-enforcement activity before the Court received limited-purpose treatment. | Sotomayor concurred. Broader money demands, judicial proceedings, and conduct outside the addressed enforcement activity were not universally exempted. |
| Dunham v. Portfolio Recovery Associates, 663 F.3d 997 — S043 | Eighth Circuit, December 15, 2011; published. Wrongly targeted person could be an alleged consumer; verification was sufficient for the mistaken-identity dispute on the record. | Affirmed on alternative reasoning; did not resolve every possible verification demand or trial-proof requirement. No separate opinion shown. |
| Wilhelm v. Credico, 519 F.3d 416 — S044 | Eighth Circuit, March 3, 2008; published. Addressed known-dispute reporting and an allegedly deceptive litigation threat. | Affirmed in part and reversed/remanded in part. Its reporting holding is not a complete FCRA rule. State-specific interest issues were not imported into Arkansas. |
No full current citator was obtained. Older decisions predate Regulation F’s November 30, 2021 effective date; the current regulation must be considered separately. Authorities quoted inside those opinions were not represented as freshly opened underlying bodies. C082. Supreme Court+5
All facts, actors, dates, channels, and communications below are fictional. Coverage is assumed only for demonstrating the stated rule. No actual collector license, consumer eligibility, debt ownership, or permission is established.
No payment is modeled. Debtor balances and provider receipts remain unchanged throughout. A notice, dispute, verification, or call does not itself create a payment, fee entitlement, or debt reduction.
Fictional events
The notice was sent one day after the initial communication. No disputed five-day endpoint calculation is needed.
| Date | Treatment |
|---|---|
| October 10, Saturday | Excluded |
| October 11, Sunday | Excluded |
| October 12, statutory Columbus Day | Excluded |
| October 13, Tuesday | Day 1 |
| October 14, Wednesday | Day 2 |
| October 15, Thursday | Day 3 |
| October 16, Friday | Day 4 |
| October 17–18, weekend | Excluded |
| October 19, Monday | Day 5: assumed receipt |
The fictional federal notice uses October 19 as assumed receipt.
October 19, 2026+30 consecutive calendar days=November 18, 2026\text{October 19, 2026}+30\text{ consecutive calendar days} =\text{November 18, 2026}October 19, 2026+30 consecutive calendar days=November 18, 2026The October 19 trigger date is excluded from that thirty-day addition. Weekends and Veterans Day occurring inside those thirty days are not removed by the five-excluded-day assumption.
Suppose the consumer actually received the notice on October 14:
October 14+30 calendar days=November 13\text{October 14}+30\text{ calendar days}=\text{November 13}October 14+30 calendar days=November 13Regulation F’s official interpretation permits retaining the disclosed assumed-receipt-based date. Arkansas § 508’s actual-receipt wording and its integration with that federal assumption remain a separate hold.
Adverse branch: If the letter is returned undeliverable, the collector cannot treat the calendar assumption as curing the failed delivery. New proper delivery and its applicable period must be evaluated.
Both illustrated endpoints are weekdays; no final-day extension rule is assumed. C050–C063. Consumer Financial Protection Bureau+2
Assume one person, P, two ordinary debts A and B, convenient local times, no cease request, no counsel bar, and no special consent exclusion. The limited-content message is assumed to satisfy the federal definition; Arkansas compatibility is not thereby approved.
| Event | Date/time | Debt/person | Result | Federal count treatment |
|---|---|---|---|---|
| 1 | Sept. 14, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 2 | Sept. 15, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 3 | Sept. 15, 11 a.m. | B / P | Rings, unanswered | B +1 |
| 4 | Sept. 16, 10 a.m. | A / P | Qualifying limited-content voicemail | A +1 |
| 5 | Sept. 16, 3 p.m. | A / P | Busy signal; not connected | Excluded |
| 6 | Sept. 17, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 7 | Sept. 18, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 8 | Sept. 18, 11 a.m. | B / P | Rings, unanswered | B +1 |
| 9 | Sept. 19, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 10 | Sept. 20, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 11 | Sept. 20, 2 p.m. | A / P | P calls back; conversation about A | Not an outbound placed call; starts conversation period |
| 12 | Sept. 21, 10 a.m. | A / P | Collector calls, phone rings | A +1; conversation-period problem |
September 14–20 reconciliation
For September 15–21, A still has seven counted calls because September 14 drops out and September 21 enters. Nevertheless, the September 21 call falls within the separate conversation period.
Conversation date September 20 is day one. The seven-consecutive-day period runs through September 26. Thus, satisfying the numerical placed-call count does not cure the conversation-prong problem.
Adverse branches: Another counted A call on September 20 would create eight within that seven-day window. A valid limited consent could affect counting only within its actual scope and duration. Even the original seven-call pattern is not blanket permission under federal harassment law or Arkansas law. C029, C038–C044. Consumer Financial Protection Bureau+1
Fictional sequence
| Date | Event | Effect |
|---|---|---|
| Sept. 3, 2026 | Proper written notice actually received | Receipt predicate established for this illustration. |
| Sept. 10 | Consumer orally disputes amount | Dispute knowledge matters; writing-based pause not yet established by this event alone. |
| Sept. 14 | Consumer mails written amount dispute and original-creditor request | Submission occurs comfortably inside the period. |
| Sept. 16 | Collector receives both | Applicable collection pauses begin. |
| Sept. 22 | Collector obtains internal verification | Internal possession alone does not end the pause. |
| Sept. 24 | Collector properly mails sufficient verification only | The original-creditor request remains unanswered. |
| Sept. 28 | Collector properly mails the different original creditor’s name/address | On assumed sufficiency and compliance, both illustrated response requirements are satisfied. |
| Oct. 1 | Consumer receives the second response | Receipt is not substituted for the sending/mailing trigger specified in the provisions examined. |
No fixed thirty-day deadline for the collector to complete verification is invented. Until the required response occurs, the relevant pause remains.
Adverse branches: An insufficient response, missing original-creditor information, global cease request, known representation, prohibited medium, or state electronic-delivery issue can independently prevent the proposed resumption. A completed validation exchange does not extend a court deadline or establish debt ownership. C064–C078. Consumer Financial Protection Bureau+1
| Date | Fictional event | Consequence on assumed facts |
|---|---|---|
| Aug. 3, 2026 | Initial telephone communication | Follow-up validation duty is triggered unless otherwise satisfied. |
| Aug. 4 | Follow-up email bounces; required E-SIGN conditions also absent | Two independent delivery/compliance defects; no valid assumption of receipt. |
| Aug. 5 | Proper paper notice mailed | A new delivery attempt, only two days after initial contact. |
| Aug. 10 | Paper notice actually received | Receipt established for this example. |
| Aug. 12 | Consumer sends dispute to an email address the collector accepts for disputes | Can satisfy the federal writing requirement; pause begins on collector receipt. |
| Aug. 13 | Consumer opts out of collection email to that address | Address-specific restriction applies. |
| Aug. 18 | Collector emails verification to the opted-out address without required electronic-disclosure predicates | Do not treat this as a compliant pause-ending response. |
| Aug. 20 | Collector properly mails sufficient verification | Can satisfy this response requirement on the assumed facts; other contact restrictions remain. |
The consumer’s ability to submit an electronic dispute does not prove the collector obtained E-SIGN consent for its disclosures. An email opt-out is also not automatically a global cease request.
Arkansas’s written/mail text and electronic-law integration remain held; this example uses proper paper delivery for the operative response. C047, C062–C072. Consumer Financial Protection Bureau+2
| Posture | Fictional facts | Positive and adverse branches |
|---|---|---|
| P05 — Original creditor versus buyer | An originating retailer collects in its own name; a separate purchaser acquires defaulted balances. | Analyze each actor separately. Buyer ownership does not answer principal-purpose status; original-creditor status does not authorize deception. C003–C009. |
| P06 — Servicer and default | Servicer obtains an account while current; a different company receives it after default. | Acquisition timing can affect the specified exclusion, but does not replace the complete definition. C005. |
| P07 — Affiliate and employee | One employee collects only for the employer; a separate affiliate regularly collects across a corporate group. | Employment and affiliate exclusions require their distinct facts. C006. |
| P08 — Lawyer and known counsel | Collection lawyer knows the consumer is represented concerning the debt. | Lawyer status does not exempt the contact; counsel knowledge, contact availability, and exceptions must be tested. C010, C017–C018. |
| P09 — Workplace | Home letter is unanswered; employer forbids collection calls. | The Arkansas home-letter predicate does not override the federal employer restriction. C020–C021. |
| P10 — Relative’s location information | Collector asks a sibling where the consumer lives. | Limited location inquiry is different from disclosing the debt or asking the sibling to pressure payment. C022–C024. |
| P11 — Limited-content voicemail | Voicemail contains all permitted federal elements, but the agency’s licensed name signals debt collection. | Federal and Arkansas identification compatibility is unresolved; no script approval. C038–C039. |
| P12 — Global cease versus email opt-out | Consumer first stops email, later sends a written global cease request. | Different rules and exceptions apply; neither action extinguishes the debt. C025–C028, C047. |
| P13 — Known oral dispute and reporting | Collector learns an oral dispute and then chooses to furnish information. | Known dispute must not be concealed; full FCRA duties and prior-report updates remain separate. C035–C037. |
| P14 — Duplicate dispute with new proof | Consumer repeats a dispute but adds a previously unprovided canceled check. | New material information can defeat the federal duplicative-dispute shortcut. No payment-effect advice is supplied. C071–C072. |
| P15 — Pleading and ordinary demand | Collector serves a formal pleading and separately sends an ordinary demand. | Federal pleading exception is communication-specific; it does not exempt the separate demand or settle Arkansas’s differing text. C052–C053. |
| P16 — Itemization versus ownership | A notice accurately reconciles a balance but does not establish the sender owns or may enforce the account. | Disclosure arithmetic is not proof of title, standing, validity, or timeliness. C054–C058, C076–C078. |
All entries below reflect fresh October 27, 2026 reading or access attempts, not legal reuse from unreviewed earlier passes. Exact opening times are unknown.
Multiple sections of one enactment or regulation are not independent corroboration. The 2025 Arkansas mirror is a secondary compilation. CFPB section pages include regulation text and official interpretations; the interpretations are distinguished from statutory text.
| Source ID | Issuer/title/direct HTTPS URL | Body read, pinpoint, version/effect, and limits |
|---|---|---|
| S_AR-P07-S001 | Arkansas General Assembly, Act 1455 of 2009. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F | P: §1’s relevant §§502–508 and 511; §§502–503 printed1–4/PDF0–3; §§504–507 printed4–8/PDF3–7; §508 printed9/PDF8; §511 printed10/PDF9. §10 workplace amendment printed16–17/PDF15–16. Relevant text/images read. Approved April10,2009, printed17/PDF16; exact commencement and full later chain not established. |
| S_AR-P07-S002 | Official 17 CAR Part 280, Board rules. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf | P: principally §280-302(a)–(d), printed10–11/PDF9–10, text/images; relevant definitions and §401 investigation material. PDF generation March22,2026 is not adoption. Original final adoption chain incomplete. |
| S_AR-P07-S003 | Arkansas Code §17-24-502. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/ | M, 2025: complete material definitions/exclusions. Corroborated as enacted by S001; not official 2026 authentication. |
| S_AR-P07-S004 | §17-24-503. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/ | M: location-information conditions, complete operative body. |
| S_AR-P07-S005 | §17-24-504. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/ | M: time/place, counsel, workplace, third parties, cease, expanded consumer definition. |
| S_AR-P07-S006 | §17-24-505. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/ | M: general harassment and enumerated conduct. |
| S_AR-P07-S007 | §17-24-506. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/ | M: false representations, threats, disputed reporting and collector disclosures. |
| S_AR-P07-S008 | §17-24-507. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/ | M: unfair practices, charges, postdated instruments, security boundary and envelope/postcard restrictions. |
| S_AR-P07-S009 | §17-24-508. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/ | M: complete (a)–(c), written notice, written dispute/request, mailed response and nonadmission. |
| S_AR-P07-S010 | §17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/ | M: material workplace-contact clause, currently numbered (11). Act1455 enacted earlier wording; full later amendment chain, including Act990/2019§25, not reconstructed. |
| S_AR-P07-S011 | §17-24-512. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/ | M: read to check interpretive/advisory-opinion qualification, particularly (e). No remedy amount or limitations finding adopted. No nonexistent subsection(f) inferred. |
| Source ID | Issuer/title/direct HTTPS URL | Body read and currency |
|---|---|---|
| S_AR-P07-S012 | OLRC, 15 USC1692a. https://uscode.house.gov/us/usc/119-124/t15/s1692a/ | P: relevant definitions/exclusions, especially (2)–(7). Display states through PL119-124, October15,2026. |
| S_AR-P07-S013 | OLRC, 15 USC1692b. https://uscode.house.gov/us/usc/119-124/t15/s1692b/ | P: complete location-information requirements; same displayed currency. |
| S_AR-P07-S014 | FTC official FDCPA compendium, §805 /1692c. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text | Official statutory reproduction: actual §805(a)–(d) read. Compendium states amendments through 2010, not October2026 currency. Current Regulation F cross-check separate; failed OLRC routes in S045. |
| S_AR-P07-S015 | OLRC, 15 USC1692d. https://uscode.house.gov/us/usc/119-124/t15/s1692d/ | P: complete harassment provision; PL119-124 display. |
| S_AR-P07-S016 | OLRC, 15 USC1692e. https://uscode.house.gov/us/usc/119-124/t15/s1692e/ | P: false status/amount, threats, disputed reporting, collector-disclosure and related clauses. |
| S_AR-P07-S017 | OLRC, 15 USC1692f. https://uscode.house.gov/us/usc/119-124/t15/s1692f/ | P: unfair-practice provisions and material postdated/security exceptions. |
| S_AR-P07-S018 | OLRC, 15 USC1692g. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ | P: complete (a)–(e), including writing, pause, nonadmission and excluded communications. |
| S_AR-P07-S019 | OLRC, 15 USC1692n. https://uscode.house.gov/us/usc/119-124/t15/s1692n/ | P: relation to state laws and greater protection. |
| Source ID | Issuer/title/direct HTTPS URL | Actual portion read and limits |
|---|---|---|
| S_AR-P07-S020 | eCFR, 12 CFR Part1006. https://www.ecfr.gov/current/title-12/chapter-X/part-1006 | Officially maintained, authoritative unofficial codification; selected operative text/currency check. Title12 displayed through October23,2026. Not every unrelated provision read. |
| S_AR-P07-S021 | CFPB, §1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/ | Current posted body; material actor/debt/communication and limited-content-message definitions and interpretations. |
| S_AR-P07-S022 | §1006.6. https://www.consumerfinance.gov/rules-policy/regulations/1006/6/ | Material (a)–(e), time/place/counsel/cease/third-party/email/text/opt-out rules and responsive official interpretations. |
| S_AR-P07-S023 | §1006.10. https://www.consumerfinance.gov/rules-policy/regulations/1006/10/ | Location-information body and material interpretation; not unrestricted third-party collection. |
| S_AR-P07-S024 | §1006.14. https://www.consumerfinance.gov/rules-policy/regulations/1006/14/ | Material (a), (b)(1)–(4), and (h); connected calls, consent, multi-debt counting, presumptions and medium requests. |
| S_AR-P07-S025 | §1006.18. https://www.consumerfinance.gov/rules-policy/regulations/1006/18/ | (a)–(f), material false representations, disclosures, translations and assumed names. |
| S_AR-P07-S026 | §1006.22. https://www.consumerfinance.gov/rules-policy/regulations/1006/22/ | Material charges, postdated instruments, envelopes, workplace email and social-media rules. |
| S_AR-P07-S027 | §1006.30. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/ | Subsection(a) and official interpretations on contact before furnishing and undeliverability. Other transfer prohibitions not comprehensively analyzed. |
| S_AR-P07-S028 | §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ | Material (a)–(d), itemization/reference dates, receipt period, information, form safe harbor and responsive interpretations. Special mortgage exception read only as boundary. |
| S_AR-P07-S029 | §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ | Complete material dispute/request body and interpretations: writing, pause, same-creditor and duplicate procedures. |
| S_AR-P07-S030 | §1006.42. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ | Complete sending requirements and interpretations, including failed delivery, opt-out and E-SIGN. |
| S_AR-P07-S031 | §1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/104/ | Relation to state laws and relevant interpretation. Specific Arkansas conflicts not adjudicated. |
| S_AR-P07-S032 | OLRC, 15 USC7001. https://uscode.house.gov/us/usc/119-124/t15/s7001/ | Material (a)–(c), particularly informed consent, access and preservation of substantive requirements. Complete state UETA analysis not undertaken. |
| S_AR-P07-S033 | OLRC, 12 USC5481. https://uscode.house.gov/us/usc/119-124/t12/s5481/ | (5), material (15), particularly credit/loan services and relevant scope; not every product determination. |
| S_AR-P07-S034 | Cornell, 5 USC6103. https://www.law.cornell.edu/uscode/text/5/6103 | R: subsection(a) holiday list; official routes failed. No universal weekend-observance rule imported into Regulation F. |
| S_AR-P07-S035 | OPM, Federal Holidays. https://www.opm.gov/policy-data-oversight/pay-leave/federal-holidays/ | G: 2026 schedule, including October12 and November11. Administrative calendar corroboration, not debt-law authority. |
| Source ID | Issuer/title/direct HTTPS URL | Status and actual scope |
|---|---|---|
| S_AR-P07-S036 | CFPB, first Regulation F final-rule page. https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f/ | Official final-rule designation, subject and links read. Underlying current operative sections read separately; not a claim to have read the entire rulemaking preamble. |
| S_AR-P07-S037 | CFPB, second Regulation F final-rule page. https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f-2020-12/ | Official final-rule designation and subject read; validation and furnishing-rule history. |
| S_AR-P07-S038 | Federal Register, 86 FR48918, September1,2021. https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date | Published withdrawal body read, including Action, Summary, Dates and supporting discussion. FederalRegister HTML is informational rendition. Delay proposal withdrawn; rules retained November30,2021 effective date. No January2022 proposal treated as operative. |
| Source ID | Court/title/direct HTTPS URL | Actual material read and page limits |
|---|---|---|
| S_AR-P07-S039 | U.S. Supreme Court, Henson. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Official majority, material ownership/definition discussion and principal-purpose reservation. Screenshot inspected printed3/PDF4. June12,2017; unanimous. |
| S_AR-P07-S040 | Eighth Circuit, Reygadas. https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf | Published official majority, material full twelve-page body, especially printed6–12/PDF5–11; images printed9/PDF8 and11/PDF10. December14,2020. |
| S_AR-P07-S041 | U.S. Reports, Heintz. https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf | Official majority, material attorney-coverage discussion printed292–299/PDF1–8; image294/PDF3. April18,1995; unanimous. |
| S_AR-P07-S042 | U.S. Supreme Court, Obduskey. https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf | Official majority and Sotomayor concurrence. Key majority boundary printed14/PDF16, concurrence1/PDF17 images; concurrence through PDF19 read. March20,2019. |
| S_AR-P07-S043 | Eighth Circuit, Dunham. https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf | Official published majority; material full ten pages, verification printed8–10/PDF7–9; images printed8–9/PDF7–8. December15,2011. |
| S_AR-P07-S044 | Eighth Circuit, Wilhelm. https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf | Official published majority; relevant reporting/threat discussion printed3–6/PDF2–5; image printed3/PDF2. March3,2008. |
| Source ID | Exact route | Failure/read consequence |
|---|---|---|
| S_AR-P07-S045 | Board laws/rules: https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/laws-rules/ | F: 403. Different official alternatives—Act1455 and CAR Part280—succeeded. No website form or unseen guidance inferred. |
| S045, same access record | https://uscode.house.gov/us/usc/119-124/t15/s1692c/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim | Official Code body failed, including a 404 on the alternate. FTC official statutory compendium was the successful different source, with its older currency disclosed. |
| S045, same access record | https://uscode.house.gov/us/usc/119-124/t5/s6103/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title5-section6103&num=0&edition=prelim | Official holiday Code bodies not obtained. Cornell text plus OPM calendar used with limits. |
| S_AR-P07-S046 | Arkansas Code §17-24-511. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/ | Fresh M, complete deceptive-form body; primary enacted counterpart read in S001, printed10/PDF9. Full remedies excluded. |
Confidence convention: “Text/holding verified” means the identified body was read. It is not complete current-law certification. “Partial” identifies source/currentness or factual dependencies; “held” means unresolved, not nonexistent.
| Claim ID | Actor/predicate | Step or consequence | Exact authority; confidence/hold |
|---|---|---|---|
| S_AR-P07-C001 | Debt classified for this conduct gateway | Establish primarily personal/family/household transaction. | S003 §502(4); S012(5); S021 debt definition. Text verified; mixed-purpose facts held. |
| C002 | Person allegedly obligated | Wrong target can still be an alleged consumer; communication can convey debt information indirectly. | S003(1)–(2); S012(2)–(3); S043. |
| C003 | Business collects debts | Principal-purpose and regular-another-debt branches are separate. | S012(6); S021; S003(5). |
| C004 | Own-creditor collection | Apply creditor and false-name qualifications, not blanket exemption. | S012(4),(6); S003(3),(5). |
| C005 | Servicer/assignee | Test specified predefault/originated/fiduciary predicates and actor branch. | S012(6)(F); S021; S003 exclusions. |
| C006 | Employee/affiliate | Establish each exclusion’s distinct employment/control/activity conditions. | S012(6)(A)–(B); S021; S003. |
| C007 | Other claimed exempt actor | Apply government, process-service, nonprofit and other exact conditions. | S012(6)(C)–(F); S003. |
| C008 | Debt buyer relies on ownership | Henson resolves only the adjudicated another-debt branch. | S039 majority; principal-purpose reserved. |
| C009 | Buyer outsources collection | Principal-purpose status can survive outsourcing. | S040 pp.6–10; no universal buyer or liability finding. |
| C010 | Attorney regularly collects consumer debt | Litigation does not create blanket FDCPA exemption. | S041; pleading exceptions separately applied. |
| C011 | Security-only actor | Apply Obduskey’s limited holding and statutory §1692f(6) branch. | S042; broader foreclosure/repo facts deferred. |
| C012 | State credential conclusion offered | Licensing and conduct coverage require separate analysis. | S003/S012; no prior-pass permission adopted. |
| C013 | Remote Arkansas contact | Establish actual statutory and jurisdictional nexus. | S003/S012 interstate-commerce predicates; complete extraterritorial law held. |
| C014 | State/federal overlap | Compatible greater state protection survives; specific conflict requires analysis. | S019; S031. |
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C015 | Collector contacts consumer | Apply local-time and inconvenient-place restrictions. | S005(a)(1); S014 §805(a)(1); S022(b)(1). |
| C016 | Collector knows actual inconvenience | Default hours do not override that knowledge; limited consumer-initiated response differs. | S022(b)(1), official interpretations. |
| C017 | Collector knows representation | Contact counsel subject to statutory knowledge/contact/exception conditions. | S005(a)(2); S014 §805(a)(2); S022(b)(2). |
| C018 | Principal knows counsel status | Do not automatically impute that knowledge to downstream agent under Reygadas. | S040 pp.10–12; actual agency theory held. |
| C019 | Consent or court permission asserted | Establish direct consent, scope or actual court authorization. | S005(a)–(b); S022(b)–(d). |
| C020 | Employer forbids contact | Known/reasonably known prohibition restricts workplace communication. | S005(a)(3); S022(b)(3). |
| C021 | Arkansas licensee contacts workplace | Apply state home-letter predicate independently. | S010(11); S002 §302(b); S001 §10. Current chain partial. |
| C022 | Collector contacts third party | Restrict debt disclosure to stated recipients/exceptions. | S005(b); S014 §805(b); S022(d). |
| C023 | Spouse/representative contacted | Expanded communication definition does not establish liability. | S005(d); S022(a); actual authority/obligation held. |
| C024 | Collector seeks location | Follow identity, purpose, nondisclosure, repetition and counsel conditions. | S004; S013; S023. |
| C025 | Written cease/refusal received | Restrict further communications under applicable rule. | S005(c); S014 §805(c); S022(c). |
| C026 | Collector invokes cease exception | Only specified termination/remedy communications; other prohibitions remain. | Same provisions; lawful/intended remedy facts held. |
| C027 | Consumer stops one medium | Oral/electronic medium request can trigger Regulation F restriction. | S024(h). Not identical to state global cease. |
| C028 | Collector responds despite medium stop | Establish narrow confirmation, consumer-response or legally required-medium exception. | S024(h) and interpretations. |
| C029 | Conduct harasses any person | General prohibition applies apart from numerical call presumptions. | S006; S015; S024(a). |
| C030 | Collector describes debt/status | No false amount, character, legal status or authority representation. | S007; S016(2); S025(b). |
| C031 | Collector threatens action | Action must be legally available and intended where required. | S007(b)(4)–(5); S016(4)–(5); S025(b)(3),(c)(1). |
| C032 | Collector adds amount | Establish agreement or law authorization. | S008(b)(1); S017(1); S026(a). |
| C033 | Postdated instrument accepted | Apply specific notice, deposit and threat restrictions. | S008(b)(2)–(4); S017(2)–(4); S026(c). |
| C034 | Postal communication | Apply postcard/envelope restrictions and narrow name exception. | S008(b)(7)–(8); S017(7)–(8); S026(f). |
| C035 | Collector conveys credit information | Known dispute, including qualifying oral knowledge, must not be concealed. | S007(b)(8); S016(8); S025(c)(2). |
| C036 | Prior report preceded dispute | Wilhelm does not impose universal affirmative updating through that FDCPA clause. | S044 pp.3–4; FCRA separately held. |
| C037 | Collector proposes furnishing | Satisfy §30(a) contact/delivery prerequisite and undeliverability procedure. | S027(a), official interpretations; not ownership verification. |
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C038 | Collector leaves limited-content message | Meet all required/only permitted content; remains an attempt and relevant call. | S021 limited-content definition; S025(e) interpretation. |
| C039 | Arkansas rule and voicemail overlap | Federal LCM treatment does not settle state identity/content rule. | S002 §302(a),(c); S021. Harmonization held. |
| C040 | Collector places calls | Apply both frequency presumptions per person/debt. | S024(b)(2). |
| C041 | Telephone conversation occurs | Conversation date is day one; inbound conversation can trigger period. | S024 comment14(b)(2)(i)-1. |
| C042 | Call excluded from count | Establish limited consent, nonconnection or specified-recipient exception. | S024(b)(3); no general consent safe harbor. |
| C043 | Multiple debts involved | Count actual debt discussions and apply unanswered-call allocation; student grouping is specific. | S024(b)(4) and interpretations. |
| C044 | Count within presumption | Pattern/content can rebut compliance; state harassment remains. | S024 comments14(b)(2)(i)-2; S006. |
| C045 | Email used | Establish applicable consumer/creditor/prior-collector procedure and no relevant opt-out. | S022(d)(3)–(4). Defense framework, not blanket permission. |
| C046 | Text used | Establish direct text/consent and specified sixty-day/reassignment predicates. | S022(d)(5). Actual number/consent facts held. |
| C047 | Electronic communication/attempt | Provide simple opt-out; respect opted-out address/number. | S022(e); S030 comment42(a)(1)-4. |
| C048 | Known workplace email | Apply §22(f)(3) and its limited qualifying paths. | S026; not generic permission from creditor transfer. |
| C049 | Social-network contact | No publicly viewable debt contact; private contact still regulated. | S026(f)(4); S025(d) interpretations. |
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C050 | Federal initial covered contact | Supply information initially or qualifying follow-up within five days; paid-debt exception. | S018(a); S028(a). |
| C051 | Arkansas-covered contact | Written notice initially or within five days unless paid. | S009(a); S001 printed9/PDF8. |
| C052 | Formal pleading/mandatory noncollection notice | Federal exclusions are communication-specific. | S018(d)–(e); S028(b)(2). |
| C053 | Federal exception asserted under state law | Arkansas §508 does not expressly reproduce every exception. | S009; no automatic equivalence established. |
| C054 | Collector chooses itemization date | Use permitted reference date consistently; not an accrual ruling. | S028(b)(3), interpretations. |
| C055 | Notice prepared | Provide applicable identities, account, date, amount and itemization fields, including zero categories as required. | S028(c)(1)–(2). Accuracy/ownership independently required. |
| C056 | Additional financial-product disclosures | Establish consumer-financial-product/service predicate. | S028(c)(2)–(3); S033(5),(15). |
| C057 | Rights/response portion prepared | Provide applicable dated dispute/request statements and response information. | S028(c)(3)–(4). |
| C058 | Model form used | Safe harbor limited to specified information/form/overshadowing requirements. | S028(d)(2); S029(b)(2). |
| C059 | Validation period measured | Begins when provided; ends thirty days after actual/assumed receipt. | S028(b)(5). |
| C060 | Collector assumes receipt | Allow at least five days excluding Saturdays, Sundays and referenced legal holidays. | S028(b)(5); S034(a). |
| C061 | Different actual receipt later known | Federal interpretation permits retaining disclosed assumed-date period. | S028 comment34(b)(5)-1. State integration held. |
| C062 | Notice bounces/returns | Known failed delivery is not reasonably expected actual notice. | S030(a)(1), comments1–3; S028 receipt interpretation. |
| C063 | Collector sends specified disclosures electronically | Apply E-SIGN §101(c) predicates. | S030(b); S032(c). Not merely possession of address. |
| C064 | Consumer disputes orally | Oral dispute differs from timely-writing pause; other duties can attach. | S018(a)–(b); S029(d); C035. |
| C065 | Consumer writes electronically | Accepted email/portal can qualify as federal writing. | S029 introductory interpretations1–2. State integration held. |
| C066 | Collector receives timely written dispute | Stop collection of debt/disputed portion until required response. | S018(b); S009(b); S029(d)(2). |
| C067 | Timely written original-creditor request received | Stop collection pending required identity response. | S018(b); S009(b); S029(c). |
| C068 | Original and current creditor same | Federal special notification/reference procedure exists. | S029(c)(2). Arkansas-equivalence hold. |
| C069 | Collector internally verifies | Internal knowledge alone insufficient; compliant sending/mailing required. | S018(b); S009(b); S029(c),(d); S030. |
| C070 | Response delayed | No universal fixed thirty-day collector-verification deadline established. | Same bodies; collection pause persists unless satisfied. |
| C071 | Repeat written dispute | Apply substantial-sameness/no-new-material-information test and required response. | S029(a)(1),(d)(2)(ii). |
| C072 | State response differs from federal alternative | Electronic, duplicate and same-creditor integration remains unresolved. | S009; S011(e); S019/S031. |
| C073 | Consumer does not dispute | Silence is not legal admission of liability. | S009(c); S018(c); S029(d)(1). |
| C074 | Collection during validation period | Do not overshadow or contradict dispute/original-creditor rights. | S018(b); S029(b). |
| C075 | Verification sufficiency challenged | Dunham is a fact-specific mistaken-identity holding. | S043 pp.8–10. |
| C076 | Collector supplies validation | No universal signed-contract/notarized-affidavit/trial-proof requirement established here. | S018/S028/S029/S043; full evidence law deferred. |
| C077 | Court process also exists | Validation request does not itself determine or extend court deadlines. | Separate procedural family; no live deadline supplied. |
| C078 | Verification sent | Does not adjudicate title, validity, accrual, payment, discharge or enforceability. | Scope distinction; actual merits held. |
| Claim ID | Predicate | Consequence | Evidence/limit |
|---|---|---|---|
| C079 | Arkansas currentness assessed | Enactment plus 2025 mirror is not complete October2026 official Code authentication. | S001,S003–S011. |
| C080 | Board-rule currency assessed | Official codified body read; generation/update date is not adoption. | S002; original full chain held. |
| C081 | Federal version assessed | Current displayed bodies have stated cutoff dates; final rules effective Nov30,2021; proposed delay withdrawn. | S012–S020,S036–S038. |
| C082 | Judicial treatment assessed | Six published official bodies read, not complete citator review or wholesale state incorporation. | S039–S044. |
| C083 | Actual consumer/provider application | No actual contract, role, communication, receipt, consent or debt facts established. | Research boundary. |
| C084 | Local/tribal/interstate application | No universal territorial or local-practice validation. | Specific authority/facts remain held. |
| C085 | Complaint/information route | Rule401 investigation authority and public CFPB information do not constitute a filed complaint or legal determination. | S002 §401; official CFPB pages. No submission/contact. |
| C086 | Fictional examples | Communications alone do not change receipts or modeled debt balances. | No fictional payment or authorized charge modeled. |
| C087 | Research timing described | Access date differs from enactment, publication, currency and review dates. | Source register; exact opening times unknown. |
| C088 | Deceptive form furnished | State statute separately prohibits knowing false third-party collection participation forms. | S046(a); S001 printed10/PDF9. Remedies deferred. |
| C089 | Collector disclosures/translation | Initial/subsequent disclosure and language requirements apply, with specified exceptions. | S007(b)(11); S025(e)–(f). Arkansas identity integration held. |
| Row | Issue | Status / claims | Exact missing evidence or next action |
|---|---|---|---|
| K01 | Consumer/business/mixed-purpose debt | Text resolved; C001 | Actual transaction purpose and obligations. |
| K02 | Original creditor and false name | Partial application; C003–C004 | Actual ownership, collection activity and representations. |
| K03 | Debt buyer/principal purpose | Holdings read; C008–C009 | Actual business purpose, activity and current treatment. |
| K04 | Servicer/default timing | Text resolved/application held; C005 | Acquisition/default facts and agreement. |
| K05 | Affiliate/employee/other exclusions | Text resolved/application held; C006–C007 | Each exclusion’s factual predicates. |
| K06 | Attorney/security-only conduct | Holdings read; C010–C011 | Actual money demand versus enforcement-only conduct. |
| K07 | Arkansas remote nexus | Partial/held; C013 | Responsive state jurisdiction, extraterritorial and choice-of-law authority. |
| K08 | Time/place/knowledge/consent | Text resolved; C015–C019 | Actual local time, knowledge, consent scope and court order. |
| K09 | Workplace | Additional state rule identified; C020–C021 | Current amendment chain and actual employer/home-letter facts. |
| K10 | Third parties/location | Text resolved; C022–C024 | Actual recipient, purpose, prior contact and authority. |
| K11 | Global cease/medium request | Text resolved with state integration limits; C025–C028 | Request text, receipt, channel and exception facts. |
| K12 | Harassment and threats | Text resolved; C029–C031 | Actual pattern, content, intent and legal availability. |
| K13 | Charges/postdated instruments | Boundary resolved; C032–C033 | Actual agreement/law; full payment and instrument procedure deferred. |
| K14 | Postal disclosures | Text resolved; C034 | Actual envelope/postcard and business-name content. |
| K15 | Disputed reporting/prefurnishing | Narrow gateway resolved; C035–C037 | Actual reporting sequence; full FCRA duties separate. |
| K16 | Limited-content voicemail | Federal definition resolved; C038–C039 | Arkansas identification/content harmonization. |
| K17 | Call frequency/conversation/counting | Text and interpretations resolved; C040–C044 | Actual person/debt ledger, connections, consent and broader pattern. |
| K18 | Email/text paths | Text resolved/application held; C045–C047 | Address/number origin, consent, opt-out and reassignment records. |
| K19 | Workplace email/social media | Text resolved; C048–C049 | Actual employer knowledge and visibility. |
| K20 | Initial notice and exclusions | Federal/state text read; C050–C053 | Arkansas interpretation of federal-only alternatives/exceptions. |
| K21 | Itemization/creditor information | Text resolved; C054–C057 | Actual reference data, product classification and accurate balance. |
| K22 | Model-form safe harbor | Scope resolved; C058 | Actual form comparison; no form adopted here. |
| K23 | Receipt and delivery | Federal method resolved; C059–C063 | Actual delivery failure/receipt, E-SIGN facts and state integration. |
| K24 | Oral versus written dispute | Distinction resolved; C064–C066 | Actual submission, channel acceptance and receipt. |
| K25 | Original-creditor request | Federal route resolved; C067–C068 | Actual creditor identities and state same-creditor procedure. |
| K26 | Verification/resumption/duplicates | Partial integration; C069–C076 | Actual response sufficiency and Arkansas treatment of federal shortcuts. |
| K27 | Court deadline/ownership/validity boundary | Preserved; C077–C078 | Separate litigation, evidence, limitation and merits authority. |
| K28 | Deceptive forms and disclosures | Text resolved; C088–C089 | Actual document/content, translation and state-rule compatibility. |
| Row | Source family | Status | Exact remaining evidence |
|---|---|---|---|
| Q01 | Arkansas consumer-conduct Code | Act1455 plus 2025 mirrors read | Complete current official §§502–508/511 chain and amendments. |
| Q02 | Arkansas workplace provision | Current mirror and official rule read | Material later act chain, including referenced 2019 amendment. |
| Q03 | Board rule | Official codified body read | Original final adoption/filing record and any uncodified later amendment. |
| Q04 | Federal Code | Most material sections read at PL119-124 display | Readable current OLRC §1692c; FTC alternate retains 2010 currency limit. |
| Q05 | Regulation F | Current CFPB/eCFR bodies and interpretations read | Any material change after displayed eCFR cutoff; no complete all-Part audit claimed. |
| Q06 | Effective dates | Withdrawal and final-rule designations read | Complete preamble history only if later interpretive issue requires it. |
| Q07 | Electronic state-law integration | E-SIGN and federal rule read | Arkansas UETA, preemption and controlling state application. |
| Q08 | Holidays | Cornell statute and official OPM schedule read | Official current §6103 body; unresolved observed-holiday edge cases not modeled. |
| Q09 | Cases | Six official published opinions read | Complete current citator and responsive Arkansas majority on §508 differences. |
| Row | Example | Resolved analytical work | Remaining application facts |
|---|---|---|---|
| M01 | Notice/receipt | Five excluded days and thirty calendar days separated; actual/assumed branches shown. | Actual delivery, state integration and operative notice. |
| M02 | Call ledger | Every attempt/conversation reconciled; rolling window and conversation period separated. | Actual call/debt assignment, consent, channel legality and harassment evidence. |
| M03 | Dispute/original creditor | Submission, receipt, internal verification, mailing and receipt separated. | Timeliness, response sufficiency and independent contact restrictions. |
| M04 | Electronic failure/opt-out | Consumer electronic writing distinguished from collector E-SIGN delivery. | Actual consent, accepted channel, bounce, opt-out and state electronic law. |
| Row | Area | Status and exact next investigation |
|---|---|---|
| T01 | Arkansas counties and municipalities | No county-specific communication or complaint practice was validated. Read any genuinely applicable adopted local authority; no seventy-five-county inventory was used as legal validation. |
| T02 | Remote/interstate contacts | Establish actual contacts, governing law, forum and extraterritorial limits. |
| T03 | Tribal nexus | Particular sovereign’s law, jurisdiction, immunity and federal interaction remain unresearched. |
| T04 | Federal/government actors and special systems | Establish actual statutory exclusion, official duty and special-debt regime. |
| T05 | Contract and actual communications | No agreement, authorization, letter, recording, call log, email header or delivery record examined. |
| T06 | Actual consumer/provider status | No individual/provider status search, private record, actual eligibility or permission finding. |
| Row | Family | Remaining work |
|---|---|---|
| D01 | Licensing, security and application charges | Separate gateway; PASS-06 not adopted. |
| D02 | Debt adjusting, settlement and credit repair | Separate definitions, permission and fee laws. |
| D03 | Service, venue, answer/default/vacatur | Full procedural investigation; no live deadline supplied. |
| D04 | Standing and evidence for suit | Ownership, assignment, authenticity, admissibility and trial burdens. |
| D05 | Limitations and judgment revival | Separate clocks; PASS-05 figures not borrowed. |
| D06 | Wage/bank/property/secured enforcement | Separate remedies, exemptions and enforcement procedures. |
| D07 | Full FCRA/TCPA/DNC/privacy | Disputed-reporting and channel boundaries only; no general compliance permission. |
| D08 | Damages, sanctions and full remedies | No damages figure, settlement model or cause-of-action conclusion supplied. |
| D09 | Special debts and bankruptcy | Government, support, tax, student, secured, estate and bankruptcy-specific rules. |
| D10 | Full state/parent acceptance | Complete Arkansas, parent, A066, A097 and A098 work remains open. |
| Original reviewed row, preserved | Narrow PASS-07 contribution | Unchanged remainder |
|---|---|---|
| Topic: “Civil remedies, collection, litigation, limitations.” Status: “Later pass.” Claims: —. Resolved: “§303 referenced only as necessary.” Exact remaining investigation: “Full remedies, private rights, UDAP, limitations, criminal enforcement.” Supplied SAME-coordinator review: 2026-10-25T01:39:29.896022Z. | Adds only ordinary consumer-debt communications, initial validation, dispute/original-creditor requests, and verification/resumption analysis under the parent’s collection-conduct/documentation dimension. | Does not accept the full row, state component, parent dossier, or any other deferred family. Review time is not a source-opening timestamp. |
Freshly read: the relevant official Arkansas enactment and rule bodies; current displayed federal Code and Regulation F provisions; official interpretations; the linked E-SIGN and financial-product definitions; six official published judicial bodies; and the stated effective-date materials.
Not established: complete October 2026 Arkansas primary authentication, every original rule-adoption instrument, complete Arkansas–Regulation F electronic/exception harmonization, a full citator, local or tribal law, or any actual consumer/provider/contract/communication facts.
The principal unresolved applications are:
Counts: 46 source/access records; 89 atomic claims; 6 judicial-authority entries; 4 worked examples plus 12 additional fictional postures; 14 workflow rows; 28 core-issue rows; 9 currentness/failed-source rows; 4 model rows; 6 local/territorial/actual-record rows; 10 deferred-family rows; and 1 preserved P01 crosswalk. These categories are not summed as independently accepted legal propositions.
No independent review, unseen model tier, local write, actual permission, filing, publication readiness, or full-state/parent acceptance is claimed.
END S_AR PASS-07.
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.
These components repair their stated scope. They do not replace every other finding in this research series.
Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies →Actor or obligation · Supported classification inquiry · Conditions and unresolved application · 12 data rows
| Actor or obligation | Supported classification inquiry | Conditions and unresolved application |
|---|---|---|
| Ordinary consumer obligation | Both the federal definition and Arkansas’s consumer-conduct subchapter address obligations arising primarily from personal, family, or household transactions. | A natural-person obligor alone does not make a business obligation a consumer debt. Mixed-purpose transactions require actual facts. C001. |
| Person wrongly pursued | “Consumer” includes an allegedly obligated person. | Dunham rejected the proposition that mistaken identity necessarily removes the person from the Act’s protections. C002. |
| Original creditor collecting in its own name | Ordinarily requires analysis distinct from a collector regularly collecting another’s debt. | The false-name provision and other statutory predicates can change the result. No universal original-creditor immunity is declared. C003–C004. |
| Purchaser of defaulted debt | Ownership does not settle every federal collector-status question. | Henson addressed the “owed another” branch; the principal-purpose branch remained open there. C008. |
| Debt buyer using outside collectors | Principal-purpose status can exist despite outsourcing. | Reygadas applied that branch on its record; it did not declare every investment owner a collector or resolve every agency-liability question. C009. |
| Servicer | Acquisition before or after default matters to the specified exclusion. | Actual acquisition, default status, role, and statutory branch must be established. Default timing is not a universal standalone status test. C005. |
| Employee or affiliate | The employee and affiliate exclusions contain separate conditions. | A common owner, salary, or corporate label does not automatically establish either exclusion. C006. |
| Fiduciary, government actor, process server, nonprofit counselor | Apply the particular statutory exclusion and its activity conditions. | No generic fiduciary, nonprofit, or government-connected exemption is presumed. C007. |
| Attorney or law firm | Regular consumer-debt collection through litigation can be covered. | Heintz rejects a blanket federal attorney exemption. Particular formal-pleading exceptions do not exempt all attorney communications. C010. |
| Security-interest enforcer | Enforcement-only activity can have limited-purpose treatment under the federal definition. | Obduskey did not decide all judicial foreclosures, deficiency demands, or conduct beyond security enforcement. Ordinary money demands require separate analysis. C011. |
| State-license-exempt actor | State credential treatment and consumer-conduct coverage are different inquiries. | No conclusion from PASS-06 is adopted. C012. |
| Remote actor contacting Arkansas | The actual activity, consumer connection, applicable definition, and jurisdictional predicates matter. | Interstate-commerce/mails language is not a complete personal-jurisdiction or choice-of-law holding. An out-of-state office alone supplies no categorical federal exemption. C013. |
Issue · Federal requirement · Arkansas requirement or additional condition · 15 data rows
| Issue | Federal requirement | Arkansas requirement or additional condition | Application boundary |
|---|---|---|---|
| Time and place | Default convenient hours are after 8 a.m. and before 9 p.m. at the consumer’s location, absent contrary knowledge. | § 17-24-504 contains the corresponding time/place restriction. | A known inconvenient time or place can be prohibited within those hours. C015–C016. |
| Consumer initiates contact | Regulation F permits the specified limited response to a consumer’s inconvenient-time communication. | No unlimited future consent follows from that contact. | A response opportunity is not permission for an ongoing campaign. C016, C019. |
| Represented consumer | Known representation, ascertainable counsel contact, and the stated exceptions govern. | § 504 contains a corresponding counsel restriction. | Actual knowledge and reasonable attorney nonresponse or consent must be established. C017–C018. |
| Workplace | Known or reasonably known employer prohibition restricts contact. | § 307 and Rule 280-302 add a home-letter predicate before specified workplace letters or calls. | Satisfying the state home-letter condition does not override the federal employer prohibition. C020–C021. |
| Third parties | Collection disclosure is restricted, subject to specified recipients and exceptions. | § 504(b) supplies a parallel statutory restriction. | A spouse/representative definition for communications does not establish personal liability for the debt. C022–C023. |
| Location information | Identify the caller, explain the location-information purpose, disclose employer only if requested, and do not disclose the debt; repeated contacts are restricted. | § 503 separately supplies these conditions. | Locating the consumer is not permission to pressure relatives or coworkers. C024. |
| Global cease request | A qualifying written refusal or cease request restricts further communications, with three statutory exceptions. | § 504(c) has its own written-request and receipt language. | An exception does not authorize a false or unlawful threat. C025–C026. |
| Stop a particular medium | Regulation F recognizes medium-specific requests, including oral requests, and limited exceptions. | Do not assume that this is identical to Arkansas’s global written-cease procedure. | Stopping email does not itself extinguish the debt or necessarily stop every other lawful medium. C027–C028. |
| Harassment | General harassment prohibition applies across conduct and channels. | § 505 independently prohibits listed and other harassing conduct. | Numerical call presumptions are not universal safe harbors. C029, C044. |
| False statements and threats | Character, amount, legal status, authority, legal documents, and threatened action must not be misrepresented. | § 506 independently addresses corresponding conduct. | No suit, arrest, seizure, or “legal department” threat is validated merely because a debt is alleged. C030–C031. |
| Added interest or charges | An amount must be expressly authorized by the agreement creating the debt or permitted by law. | § 507(b)(1) separately imposes that condition. | A notice does not create an entitlement to a fee. C032. |
| Postdated instruments | Special notice and timing restrictions apply; early deposit and prosecution threats are restricted. | § 507 contains parallel provisions. | This pass gives no payment or instrument-use advice. C033. |
| Postcards and envelopes | Debt disclosure through postcards and prohibited envelope markings is restricted. | § 507 separately addresses these practices. | Business-name exceptions do not authorize a name that reveals collection contrary to the rule. C034. |
| Credit information | A collector must not communicate known or reasonably known false credit information, including omission of a known dispute. | § 506(b)(8) independently addresses disputed-debt representation. | Full FCRA furnishing, investigation, and reporting-period duties remain deferred. C035–C037. |
| Identification and translated disclosures | Initial and subsequent collector disclosures apply, with a formal-pleading exception; required disclosures must match the language used. | Rule 280-302 requires agency/trade-style identification and specified collection information. | Federal assumed-name or limited-content provisions do not automatically settle the state rule. C039, C089. |
Channel · Material predicates actually read · Limit · 6 data rows
| Channel | Material predicates actually read | Limit |
|---|---|---|
| Consumer-provided email | Direct use about the debt or direct consent, without relevant opt-out/withdrawal. | An address somewhere in an old file is not automatically qualifying consent. |
| Creditor-transfer email route | Prior creditor use, named-collector notice, shared-address warning, simple opt-out, at least 35 days to respond, and additional conditions. | Not a shortcut for a known employer-provided email address. |
| Prior-collector email route | Specified qualifying origin, actual use by the immediately preceding collector, and no opt-out. | The collection chain must satisfy the rule’s facts. |
| Text | Direct consumer text/consent plus the specified recent-contact or reassignment-check conditions. | A voice call alone is not the consumer-text predicate. |
| Electronic opt-out | Simple instructions in each covered electronic communication or attempt, without a fee or unnecessary additional information. | Required disclosures cannot be sent to an opted-out address merely because they are required. |
| Social media | Publicly viewable collection contact is prohibited; private contact remains subject to other rules. | A private-message setting does not cure deception, third-party exposure, or lack of a lawful basis. |
Row · Actor/event · Required step or effect · 14 data rows
| Row | Actor/event | Required step or effect | Clock and qualification |
|---|---|---|---|
| W01 | Collector selects a communication | Establish collector, consumer, debt, and communication predicates. | No actual role or debt is assumed. C001–C013. |
| W02 | First covered communication | Federal validation information may be provided initially or through the prescribed follow-up route. | Five-day follow-up is distinct from assumed receipt. C050. |
| W03 | Arkansas-covered initial contact | State text requires written notice initially or within five days unless paid. | Federal oral-only alternative is not expressly reproduced. C051–C053. |
| W04 | Notice is prepared | Identify collector, consumer, creditor, reference date, amounts, itemization, rights, and response information as applicable. | Itemization is not proof of ownership or accrual. C054–C058. |
| W05 | Notice is sent | Use a method reasonably expected to provide actual notice and retainable access. | Known nondelivery defeats that delivery attempt. C062–C063. |
| W06 | Receipt is determined | Apply actual receipt or the federal permitted assumption. | Five excluded-day assumption differs from the thirty-day period. C059–C061. |
| W07 | Consumer disputes orally | Consider the dispute for applicable representation and reporting duties. | Oral dispute alone does not establish the written-dispute pause. C035, C064. |
| W08 | Consumer submits timely writing | Accepted electronic channels can qualify federally. | Submission and collector receipt are distinct events. C065–C066. |
| W09 | Collector receives timely written dispute | Stop collection of the debt or disputed portion until compliant response. | Mere internal confirmation is insufficient. C066, C069. |
| W10 | Collector receives timely original-creditor request | Stop collection pending the required response. | Special federal same-creditor procedure exists; state integration held. C067–C068. |
| W11 | Collector verifies | Obtain and send the required verification/judgment or creditor information. | No universal thirty-day collector-response deadline was established. C069–C070. |
| W12 | Repeated dispute arrives | Apply the federal duplicative-dispute definition and required response. | New material evidence defeats that shortcut; state counterpart not established. C071–C072. |
| W13 | Collector considers resuming | Confirm the applicable pause-ending event and all independent restrictions. | Sending a sufficient response is not a universal license to contact by every medium. C069, C077–C078. |
| W14 | Litigation or other process exists | Treat its deadlines and defenses separately. | A validation request does not itself extend an answer deadline or determine accrual. C077–C078. |
Authority · Court/date, posture, and material majority holding · Separate writing, treatment, and limits · 6 data rows
| Authority | Court/date, posture, and material majority holding | Separate writing, treatment, and limits |
|---|---|---|
| Henson v. Santander, 582 U.S. 79 — S039 | U.S. Supreme Court, June 12, 2017; unanimous. Purchasing and collecting owned debts did not satisfy the particular “owed another” branch adjudicated. | Principal-purpose and other possible collection activity were expressly left unresolved. Later Reygadas analysis read. |
| Reygadas v. DNF Associates, 982 F.3d 1119 — S040 | Eighth Circuit, December 14, 2020; published. Outsourced collection did not defeat principal-purpose status on the record. | The liability judgment was vacated/remanded on separate agency/knowledge grounds. Principal’s counsel knowledge was not automatically imputed to the downstream agent. No separate opinion shown. |
| Heintz v. Jenkins, 514 U.S. 291 — S041 | U.S. Supreme Court, April 18, 1995; unanimous. Regular consumer collection through attorney litigation falls within the FDCPA. | Current pleading-specific exceptions remain separate. Not a ruling that all legal work is debt collection. |
| Obduskey v. McCarthy & Holthus, 586 U.S. 466 — S042 | U.S. Supreme Court, March 20, 2019; unanimous. The nonjudicial security-enforcement activity before the Court received limited-purpose treatment. | Sotomayor concurred. Broader money demands, judicial proceedings, and conduct outside the addressed enforcement activity were not universally exempted. |
| Dunham v. Portfolio Recovery Associates, 663 F.3d 997 — S043 | Eighth Circuit, December 15, 2011; published. Wrongly targeted person could be an alleged consumer; verification was sufficient for the mistaken-identity dispute on the record. | Affirmed on alternative reasoning; did not resolve every possible verification demand or trial-proof requirement. No separate opinion shown. |
| Wilhelm v. Credico, 519 F.3d 416 — S044 | Eighth Circuit, March 3, 2008; published. Addressed known-dispute reporting and an allegedly deceptive litigation threat. | Affirmed in part and reversed/remanded in part. Its reporting holding is not a complete FCRA rule. State-specific interest issues were not imported into Arkansas. |
Date · Treatment · 9 data rows
| Date | Treatment |
|---|---|
| October 10, Saturday | Excluded |
| October 11, Sunday | Excluded |
| October 12, statutory Columbus Day | Excluded |
| October 13, Tuesday | Day 1 |
| October 14, Wednesday | Day 2 |
| October 15, Thursday | Day 3 |
| October 16, Friday | Day 4 |
| October 17–18, weekend | Excluded |
| October 19, Monday | Day 5: assumed receipt |
Event · Date/time · Debt/person · 12 data rows
| Event | Date/time | Debt/person | Result | Federal count treatment |
|---|---|---|---|---|
| 1 | Sept. 14, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 2 | Sept. 15, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 3 | Sept. 15, 11 a.m. | B / P | Rings, unanswered | B +1 |
| 4 | Sept. 16, 10 a.m. | A / P | Qualifying limited-content voicemail | A +1 |
| 5 | Sept. 16, 3 p.m. | A / P | Busy signal; not connected | Excluded |
| 6 | Sept. 17, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 7 | Sept. 18, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 8 | Sept. 18, 11 a.m. | B / P | Rings, unanswered | B +1 |
| 9 | Sept. 19, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 10 | Sept. 20, 10 a.m. | A / P | Rings, unanswered | A +1 |
| 11 | Sept. 20, 2 p.m. | A / P | P calls back; conversation about A | Not an outbound placed call; starts conversation period |
| 12 | Sept. 21, 10 a.m. | A / P | Collector calls, phone rings | A +1; conversation-period problem |
Date · Event · Effect · 8 data rows
| Date | Event | Effect |
|---|---|---|
| Sept. 3, 2026 | Proper written notice actually received | Receipt predicate established for this illustration. |
| Sept. 10 | Consumer orally disputes amount | Dispute knowledge matters; writing-based pause not yet established by this event alone. |
| Sept. 14 | Consumer mails written amount dispute and original-creditor request | Submission occurs comfortably inside the period. |
| Sept. 16 | Collector receives both | Applicable collection pauses begin. |
| Sept. 22 | Collector obtains internal verification | Internal possession alone does not end the pause. |
| Sept. 24 | Collector properly mails sufficient verification only | The original-creditor request remains unanswered. |
| Sept. 28 | Collector properly mails the different original creditor’s name/address | On assumed sufficiency and compliance, both illustrated response requirements are satisfied. |
| Oct. 1 | Consumer receives the second response | Receipt is not substituted for the sending/mailing trigger specified in the provisions examined. |
Date · Fictional event · Consequence on assumed facts · 8 data rows
| Date | Fictional event | Consequence on assumed facts |
|---|---|---|
| Aug. 3, 2026 | Initial telephone communication | Follow-up validation duty is triggered unless otherwise satisfied. |
| Aug. 4 | Follow-up email bounces; required E-SIGN conditions also absent | Two independent delivery/compliance defects; no valid assumption of receipt. |
| Aug. 5 | Proper paper notice mailed | A new delivery attempt, only two days after initial contact. |
| Aug. 10 | Paper notice actually received | Receipt established for this example. |
| Aug. 12 | Consumer sends dispute to an email address the collector accepts for disputes | Can satisfy the federal writing requirement; pause begins on collector receipt. |
| Aug. 13 | Consumer opts out of collection email to that address | Address-specific restriction applies. |
| Aug. 18 | Collector emails verification to the opted-out address without required electronic-disclosure predicates | Do not treat this as a compliant pause-ending response. |
| Aug. 20 | Collector properly mails sufficient verification | Can satisfy this response requirement on the assumed facts; other contact restrictions remain. |
Posture · Fictional facts · Positive and adverse branches · 12 data rows
| Posture | Fictional facts | Positive and adverse branches |
|---|---|---|
| P05 — Original creditor versus buyer | An originating retailer collects in its own name; a separate purchaser acquires defaulted balances. | Analyze each actor separately. Buyer ownership does not answer principal-purpose status; original-creditor status does not authorize deception. C003–C009. |
| P06 — Servicer and default | Servicer obtains an account while current; a different company receives it after default. | Acquisition timing can affect the specified exclusion, but does not replace the complete definition. C005. |
| P07 — Affiliate and employee | One employee collects only for the employer; a separate affiliate regularly collects across a corporate group. | Employment and affiliate exclusions require their distinct facts. C006. |
| P08 — Lawyer and known counsel | Collection lawyer knows the consumer is represented concerning the debt. | Lawyer status does not exempt the contact; counsel knowledge, contact availability, and exceptions must be tested. C010, C017–C018. |
| P09 — Workplace | Home letter is unanswered; employer forbids collection calls. | The Arkansas home-letter predicate does not override the federal employer restriction. C020–C021. |
| P10 — Relative’s location information | Collector asks a sibling where the consumer lives. | Limited location inquiry is different from disclosing the debt or asking the sibling to pressure payment. C022–C024. |
| P11 — Limited-content voicemail | Voicemail contains all permitted federal elements, but the agency’s licensed name signals debt collection. | Federal and Arkansas identification compatibility is unresolved; no script approval. C038–C039. |
| P12 — Global cease versus email opt-out | Consumer first stops email, later sends a written global cease request. | Different rules and exceptions apply; neither action extinguishes the debt. C025–C028, C047. |
| P13 — Known oral dispute and reporting | Collector learns an oral dispute and then chooses to furnish information. | Known dispute must not be concealed; full FCRA duties and prior-report updates remain separate. C035–C037. |
| P14 — Duplicate dispute with new proof | Consumer repeats a dispute but adds a previously unprovided canceled check. | New material information can defeat the federal duplicative-dispute shortcut. No payment-effect advice is supplied. C071–C072. |
| P15 — Pleading and ordinary demand | Collector serves a formal pleading and separately sends an ordinary demand. | Federal pleading exception is communication-specific; it does not exempt the separate demand or settle Arkansas’s differing text. C052–C053. |
| P16 — Itemization versus ownership | A notice accurately reconciles a balance but does not establish the sender owns or may enforce the account. | Disclosure arithmetic is not proof of title, standing, validity, or timeliness. C054–C058, C076–C078. |
Source ID · Issuer/title/direct HTTPS URL · Body read, pinpoint, version/effect, and limits · 11 data rows
| Source ID | Issuer/title/direct HTTPS URL | Body read, pinpoint, version/effect, and limits |
|---|---|---|
| S_AR-P07-S001 | Arkansas General Assembly, Act 1455 of 2009. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F | P: §1’s relevant §§502–508 and 511; §§502–503 printed1–4/PDF0–3; §§504–507 printed4–8/PDF3–7; §508 printed9/PDF8; §511 printed10/PDF9. §10 workplace amendment printed16–17/PDF15–16. Relevant text/images read. Approved April10,2009, printed17/PDF16; exact commencement and full later chain not established. |
| S_AR-P07-S002 | Official 17 CAR Part 280, Board rules. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf | P: principally §280-302(a)–(d), printed10–11/PDF9–10, text/images; relevant definitions and §401 investigation material. PDF generation March22,2026 is not adoption. Original final adoption chain incomplete. |
| S_AR-P07-S003 | Arkansas Code §17-24-502. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/ | M, 2025: complete material definitions/exclusions. Corroborated as enacted by S001; not official 2026 authentication. |
| S_AR-P07-S004 | §17-24-503. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/ | M: location-information conditions, complete operative body. |
| S_AR-P07-S005 | §17-24-504. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/ | M: time/place, counsel, workplace, third parties, cease, expanded consumer definition. |
| S_AR-P07-S006 | §17-24-505. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/ | M: general harassment and enumerated conduct. |
| S_AR-P07-S007 | §17-24-506. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/ | M: false representations, threats, disputed reporting and collector disclosures. |
| S_AR-P07-S008 | §17-24-507. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/ | M: unfair practices, charges, postdated instruments, security boundary and envelope/postcard restrictions. |
| S_AR-P07-S009 | §17-24-508. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/ | M: complete (a)–(c), written notice, written dispute/request, mailed response and nonadmission. |
| S_AR-P07-S010 | §17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/ | M: material workplace-contact clause, currently numbered (11). Act1455 enacted earlier wording; full later amendment chain, including Act990/2019§25, not reconstructed. |
| S_AR-P07-S011 | §17-24-512. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/ | M: read to check interpretive/advisory-opinion qualification, particularly (e). No remedy amount or limitations finding adopted. No nonexistent subsection(f) inferred. |
Source ID · Issuer/title/direct HTTPS URL · Body read and currency · 8 data rows
| Source ID | Issuer/title/direct HTTPS URL | Body read and currency |
|---|---|---|
| S_AR-P07-S012 | OLRC, 15 USC1692a. https://uscode.house.gov/us/usc/119-124/t15/s1692a/ | P: relevant definitions/exclusions, especially (2)–(7). Display states through PL119-124, October15,2026. |
| S_AR-P07-S013 | OLRC, 15 USC1692b. https://uscode.house.gov/us/usc/119-124/t15/s1692b/ | P: complete location-information requirements; same displayed currency. |
| S_AR-P07-S014 | FTC official FDCPA compendium, §805 /1692c. https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text | Official statutory reproduction: actual §805(a)–(d) read. Compendium states amendments through 2010, not October2026 currency. Current Regulation F cross-check separate; failed OLRC routes in S045. |
| S_AR-P07-S015 | OLRC, 15 USC1692d. https://uscode.house.gov/us/usc/119-124/t15/s1692d/ | P: complete harassment provision; PL119-124 display. |
| S_AR-P07-S016 | OLRC, 15 USC1692e. https://uscode.house.gov/us/usc/119-124/t15/s1692e/ | P: false status/amount, threats, disputed reporting, collector-disclosure and related clauses. |
| S_AR-P07-S017 | OLRC, 15 USC1692f. https://uscode.house.gov/us/usc/119-124/t15/s1692f/ | P: unfair-practice provisions and material postdated/security exceptions. |
| S_AR-P07-S018 | OLRC, 15 USC1692g. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ | P: complete (a)–(e), including writing, pause, nonadmission and excluded communications. |
| S_AR-P07-S019 | OLRC, 15 USC1692n. https://uscode.house.gov/us/usc/119-124/t15/s1692n/ | P: relation to state laws and greater protection. |
Source ID · Issuer/title/direct HTTPS URL · Actual portion read and limits · 16 data rows
| Source ID | Issuer/title/direct HTTPS URL | Actual portion read and limits |
|---|---|---|
| S_AR-P07-S020 | eCFR, 12 CFR Part1006. https://www.ecfr.gov/current/title-12/chapter-X/part-1006 | Officially maintained, authoritative unofficial codification; selected operative text/currency check. Title12 displayed through October23,2026. Not every unrelated provision read. |
| S_AR-P07-S021 | CFPB, §1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/ | Current posted body; material actor/debt/communication and limited-content-message definitions and interpretations. |
| S_AR-P07-S022 | §1006.6. https://www.consumerfinance.gov/rules-policy/regulations/1006/6/ | Material (a)–(e), time/place/counsel/cease/third-party/email/text/opt-out rules and responsive official interpretations. |
| S_AR-P07-S023 | §1006.10. https://www.consumerfinance.gov/rules-policy/regulations/1006/10/ | Location-information body and material interpretation; not unrestricted third-party collection. |
| S_AR-P07-S024 | §1006.14. https://www.consumerfinance.gov/rules-policy/regulations/1006/14/ | Material (a), (b)(1)–(4), and (h); connected calls, consent, multi-debt counting, presumptions and medium requests. |
| S_AR-P07-S025 | §1006.18. https://www.consumerfinance.gov/rules-policy/regulations/1006/18/ | (a)–(f), material false representations, disclosures, translations and assumed names. |
| S_AR-P07-S026 | §1006.22. https://www.consumerfinance.gov/rules-policy/regulations/1006/22/ | Material charges, postdated instruments, envelopes, workplace email and social-media rules. |
| S_AR-P07-S027 | §1006.30. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/ | Subsection(a) and official interpretations on contact before furnishing and undeliverability. Other transfer prohibitions not comprehensively analyzed. |
| S_AR-P07-S028 | §1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ | Material (a)–(d), itemization/reference dates, receipt period, information, form safe harbor and responsive interpretations. Special mortgage exception read only as boundary. |
| S_AR-P07-S029 | §1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ | Complete material dispute/request body and interpretations: writing, pause, same-creditor and duplicate procedures. |
| S_AR-P07-S030 | §1006.42. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ | Complete sending requirements and interpretations, including failed delivery, opt-out and E-SIGN. |
| S_AR-P07-S031 | §1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/104/ | Relation to state laws and relevant interpretation. Specific Arkansas conflicts not adjudicated. |
| S_AR-P07-S032 | OLRC, 15 USC7001. https://uscode.house.gov/us/usc/119-124/t15/s7001/ | Material (a)–(c), particularly informed consent, access and preservation of substantive requirements. Complete state UETA analysis not undertaken. |
| S_AR-P07-S033 | OLRC, 12 USC5481. https://uscode.house.gov/us/usc/119-124/t12/s5481/ | (5), material (15), particularly credit/loan services and relevant scope; not every product determination. |
| S_AR-P07-S034 | Cornell, 5 USC6103. https://www.law.cornell.edu/uscode/text/5/6103 | R: subsection(a) holiday list; official routes failed. No universal weekend-observance rule imported into Regulation F. |
| S_AR-P07-S035 | OPM, Federal Holidays. https://www.opm.gov/policy-data-oversight/pay-leave/federal-holidays/ | G: 2026 schedule, including October12 and November11. Administrative calendar corroboration, not debt-law authority. |
Source ID · Issuer/title/direct HTTPS URL · Status and actual scope · 3 data rows
| Source ID | Issuer/title/direct HTTPS URL | Status and actual scope |
|---|---|---|
| S_AR-P07-S036 | CFPB, first Regulation F final-rule page. https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f/ | Official final-rule designation, subject and links read. Underlying current operative sections read separately; not a claim to have read the entire rulemaking preamble. |
| S_AR-P07-S037 | CFPB, second Regulation F final-rule page. https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-regulation-f-2020-12/ | Official final-rule designation and subject read; validation and furnishing-rule history. |
| S_AR-P07-S038 | Federal Register, 86 FR48918, September1,2021. https://www.federalregister.gov/documents/2021/09/01/2021-18799/debt-collection-practices-regulation-f-withdrawal-of-proposal-to-delay-effective-date | Published withdrawal body read, including Action, Summary, Dates and supporting discussion. FederalRegister HTML is informational rendition. Delay proposal withdrawn; rules retained November30,2021 effective date. No January2022 proposal treated as operative. |
Source ID · Court/title/direct HTTPS URL · Actual material read and page limits · 6 data rows
| Source ID | Court/title/direct HTTPS URL | Actual material read and page limits |
|---|---|---|
| S_AR-P07-S039 | U.S. Supreme Court, Henson. https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Official majority, material ownership/definition discussion and principal-purpose reservation. Screenshot inspected printed3/PDF4. June12,2017; unanimous. |
| S_AR-P07-S040 | Eighth Circuit, Reygadas. https://ecf.ca8.uscourts.gov/opndir/20/12/193167P.pdf | Published official majority, material full twelve-page body, especially printed6–12/PDF5–11; images printed9/PDF8 and11/PDF10. December14,2020. |
| S_AR-P07-S041 | U.S. Reports, Heintz. https://www.govinfo.gov/content/pkg/USREPORTS-514/pdf/USREPORTS-514-291.pdf | Official majority, material attorney-coverage discussion printed292–299/PDF1–8; image294/PDF3. April18,1995; unanimous. |
| S_AR-P07-S042 | U.S. Supreme Court, Obduskey. https://www.supremecourt.gov/opinions/18pdf/17-1307_7lho.pdf | Official majority and Sotomayor concurrence. Key majority boundary printed14/PDF16, concurrence1/PDF17 images; concurrence through PDF19 read. March20,2019. |
| S_AR-P07-S043 | Eighth Circuit, Dunham. https://ecf.ca8.uscourts.gov/opndir/11/12/111553P.pdf | Official published majority; material full ten pages, verification printed8–10/PDF7–9; images printed8–9/PDF7–8. December15,2011. |
| S_AR-P07-S044 | Eighth Circuit, Wilhelm. https://ecf.ca8.uscourts.gov/opndir/08/03/071136P.pdf | Official published majority; relevant reporting/threat discussion printed3–6/PDF2–5; image printed3/PDF2. March3,2008. |
Source ID · Exact route · Failure/read consequence · 4 data rows
| Source ID | Exact route | Failure/read consequence |
|---|---|---|
| S_AR-P07-S045 | Board laws/rules: https://labor.arkansas.gov/licensing/arkansas-state-board-of-collection-agencies/laws-rules/ | F: 403. Different official alternatives—Act1455 and CAR Part280—succeeded. No website form or unseen guidance inferred. |
| S045, same access record | https://uscode.house.gov/us/usc/119-124/t15/s1692c/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim | Official Code body failed, including a 404 on the alternate. FTC official statutory compendium was the successful different source, with its older currency disclosed. |
| S045, same access record | https://uscode.house.gov/us/usc/119-124/t5/s6103/ ; https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title5-section6103&num=0&edition=prelim | Official holiday Code bodies not obtained. Cornell text plus OPM calendar used with limits. |
| S_AR-P07-S046 | Arkansas Code §17-24-511. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/ | Fresh M, complete deceptive-form body; primary enacted counterpart read in S001, printed10/PDF9. Full remedies excluded. |
Claim ID · Actor/predicate · Step or consequence · 14 data rows
| Claim ID | Actor/predicate | Step or consequence | Exact authority; confidence/hold |
|---|---|---|---|
| S_AR-P07-C001 | Debt classified for this conduct gateway | Establish primarily personal/family/household transaction. | S003 §502(4); S012(5); S021 debt definition. Text verified; mixed-purpose facts held. |
| C002 | Person allegedly obligated | Wrong target can still be an alleged consumer; communication can convey debt information indirectly. | S003(1)–(2); S012(2)–(3); S043. |
| C003 | Business collects debts | Principal-purpose and regular-another-debt branches are separate. | S012(6); S021; S003(5). |
| C004 | Own-creditor collection | Apply creditor and false-name qualifications, not blanket exemption. | S012(4),(6); S003(3),(5). |
| C005 | Servicer/assignee | Test specified predefault/originated/fiduciary predicates and actor branch. | S012(6)(F); S021; S003 exclusions. |
| C006 | Employee/affiliate | Establish each exclusion’s distinct employment/control/activity conditions. | S012(6)(A)–(B); S021; S003. |
| C007 | Other claimed exempt actor | Apply government, process-service, nonprofit and other exact conditions. | S012(6)(C)–(F); S003. |
| C008 | Debt buyer relies on ownership | Henson resolves only the adjudicated another-debt branch. | S039 majority; principal-purpose reserved. |
| C009 | Buyer outsources collection | Principal-purpose status can survive outsourcing. | S040 pp.6–10; no universal buyer or liability finding. |
| C010 | Attorney regularly collects consumer debt | Litigation does not create blanket FDCPA exemption. | S041; pleading exceptions separately applied. |
| C011 | Security-only actor | Apply Obduskey’s limited holding and statutory §1692f(6) branch. | S042; broader foreclosure/repo facts deferred. |
| C012 | State credential conclusion offered | Licensing and conduct coverage require separate analysis. | S003/S012; no prior-pass permission adopted. |
| C013 | Remote Arkansas contact | Establish actual statutory and jurisdictional nexus. | S003/S012 interstate-commerce predicates; complete extraterritorial law held. |
| C014 | State/federal overlap | Compatible greater state protection survives; specific conflict requires analysis. | S019; S031. |
Claim ID · Actor/predicate · Trigger, step, consequence · 23 data rows
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C015 | Collector contacts consumer | Apply local-time and inconvenient-place restrictions. | S005(a)(1); S014 §805(a)(1); S022(b)(1). |
| C016 | Collector knows actual inconvenience | Default hours do not override that knowledge; limited consumer-initiated response differs. | S022(b)(1), official interpretations. |
| C017 | Collector knows representation | Contact counsel subject to statutory knowledge/contact/exception conditions. | S005(a)(2); S014 §805(a)(2); S022(b)(2). |
| C018 | Principal knows counsel status | Do not automatically impute that knowledge to downstream agent under Reygadas. | S040 pp.10–12; actual agency theory held. |
| C019 | Consent or court permission asserted | Establish direct consent, scope or actual court authorization. | S005(a)–(b); S022(b)–(d). |
| C020 | Employer forbids contact | Known/reasonably known prohibition restricts workplace communication. | S005(a)(3); S022(b)(3). |
| C021 | Arkansas licensee contacts workplace | Apply state home-letter predicate independently. | S010(11); S002 §302(b); S001 §10. Current chain partial. |
| C022 | Collector contacts third party | Restrict debt disclosure to stated recipients/exceptions. | S005(b); S014 §805(b); S022(d). |
| C023 | Spouse/representative contacted | Expanded communication definition does not establish liability. | S005(d); S022(a); actual authority/obligation held. |
| C024 | Collector seeks location | Follow identity, purpose, nondisclosure, repetition and counsel conditions. | S004; S013; S023. |
| C025 | Written cease/refusal received | Restrict further communications under applicable rule. | S005(c); S014 §805(c); S022(c). |
| C026 | Collector invokes cease exception | Only specified termination/remedy communications; other prohibitions remain. | Same provisions; lawful/intended remedy facts held. |
| C027 | Consumer stops one medium | Oral/electronic medium request can trigger Regulation F restriction. | S024(h). Not identical to state global cease. |
| C028 | Collector responds despite medium stop | Establish narrow confirmation, consumer-response or legally required-medium exception. | S024(h) and interpretations. |
| C029 | Conduct harasses any person | General prohibition applies apart from numerical call presumptions. | S006; S015; S024(a). |
| C030 | Collector describes debt/status | No false amount, character, legal status or authority representation. | S007; S016(2); S025(b). |
| C031 | Collector threatens action | Action must be legally available and intended where required. | S007(b)(4)–(5); S016(4)–(5); S025(b)(3),(c)(1). |
| C032 | Collector adds amount | Establish agreement or law authorization. | S008(b)(1); S017(1); S026(a). |
| C033 | Postdated instrument accepted | Apply specific notice, deposit and threat restrictions. | S008(b)(2)–(4); S017(2)–(4); S026(c). |
| C034 | Postal communication | Apply postcard/envelope restrictions and narrow name exception. | S008(b)(7)–(8); S017(7)–(8); S026(f). |
| C035 | Collector conveys credit information | Known dispute, including qualifying oral knowledge, must not be concealed. | S007(b)(8); S016(8); S025(c)(2). |
| C036 | Prior report preceded dispute | Wilhelm does not impose universal affirmative updating through that FDCPA clause. | S044 pp.3–4; FCRA separately held. |
| C037 | Collector proposes furnishing | Satisfy §30(a) contact/delivery prerequisite and undeliverability procedure. | S027(a), official interpretations; not ownership verification. |
Claim ID · Actor/predicate · Trigger, step, consequence · 12 data rows
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C038 | Collector leaves limited-content message | Meet all required/only permitted content; remains an attempt and relevant call. | S021 limited-content definition; S025(e) interpretation. |
| C039 | Arkansas rule and voicemail overlap | Federal LCM treatment does not settle state identity/content rule. | S002 §302(a),(c); S021. Harmonization held. |
| C040 | Collector places calls | Apply both frequency presumptions per person/debt. | S024(b)(2). |
| C041 | Telephone conversation occurs | Conversation date is day one; inbound conversation can trigger period. | S024 comment14(b)(2)(i)-1. |
| C042 | Call excluded from count | Establish limited consent, nonconnection or specified-recipient exception. | S024(b)(3); no general consent safe harbor. |
| C043 | Multiple debts involved | Count actual debt discussions and apply unanswered-call allocation; student grouping is specific. | S024(b)(4) and interpretations. |
| C044 | Count within presumption | Pattern/content can rebut compliance; state harassment remains. | S024 comments14(b)(2)(i)-2; S006. |
| C045 | Email used | Establish applicable consumer/creditor/prior-collector procedure and no relevant opt-out. | S022(d)(3)–(4). Defense framework, not blanket permission. |
| C046 | Text used | Establish direct text/consent and specified sixty-day/reassignment predicates. | S022(d)(5). Actual number/consent facts held. |
| C047 | Electronic communication/attempt | Provide simple opt-out; respect opted-out address/number. | S022(e); S030 comment42(a)(1)-4. |
| C048 | Known workplace email | Apply §22(f)(3) and its limited qualifying paths. | S026; not generic permission from creditor transfer. |
| C049 | Social-network contact | No publicly viewable debt contact; private contact still regulated. | S026(f)(4); S025(d) interpretations. |
Claim ID · Actor/predicate · Trigger, step, consequence · 29 data rows
| Claim ID | Actor/predicate | Trigger, step, consequence | Exact authority; confidence/hold |
|---|---|---|---|
| C050 | Federal initial covered contact | Supply information initially or qualifying follow-up within five days; paid-debt exception. | S018(a); S028(a). |
| C051 | Arkansas-covered contact | Written notice initially or within five days unless paid. | S009(a); S001 printed9/PDF8. |
| C052 | Formal pleading/mandatory noncollection notice | Federal exclusions are communication-specific. | S018(d)–(e); S028(b)(2). |
| C053 | Federal exception asserted under state law | Arkansas §508 does not expressly reproduce every exception. | S009; no automatic equivalence established. |
| C054 | Collector chooses itemization date | Use permitted reference date consistently; not an accrual ruling. | S028(b)(3), interpretations. |
| C055 | Notice prepared | Provide applicable identities, account, date, amount and itemization fields, including zero categories as required. | S028(c)(1)–(2). Accuracy/ownership independently required. |
| C056 | Additional financial-product disclosures | Establish consumer-financial-product/service predicate. | S028(c)(2)–(3); S033(5),(15). |
| C057 | Rights/response portion prepared | Provide applicable dated dispute/request statements and response information. | S028(c)(3)–(4). |
| C058 | Model form used | Safe harbor limited to specified information/form/overshadowing requirements. | S028(d)(2); S029(b)(2). |
| C059 | Validation period measured | Begins when provided; ends thirty days after actual/assumed receipt. | S028(b)(5). |
| C060 | Collector assumes receipt | Allow at least five days excluding Saturdays, Sundays and referenced legal holidays. | S028(b)(5); S034(a). |
| C061 | Different actual receipt later known | Federal interpretation permits retaining disclosed assumed-date period. | S028 comment34(b)(5)-1. State integration held. |
| C062 | Notice bounces/returns | Known failed delivery is not reasonably expected actual notice. | S030(a)(1), comments1–3; S028 receipt interpretation. |
| C063 | Collector sends specified disclosures electronically | Apply E-SIGN §101(c) predicates. | S030(b); S032(c). Not merely possession of address. |
| C064 | Consumer disputes orally | Oral dispute differs from timely-writing pause; other duties can attach. | S018(a)–(b); S029(d); C035. |
| C065 | Consumer writes electronically | Accepted email/portal can qualify as federal writing. | S029 introductory interpretations1–2. State integration held. |
| C066 | Collector receives timely written dispute | Stop collection of debt/disputed portion until required response. | S018(b); S009(b); S029(d)(2). |
| C067 | Timely written original-creditor request received | Stop collection pending required identity response. | S018(b); S009(b); S029(c). |
| C068 | Original and current creditor same | Federal special notification/reference procedure exists. | S029(c)(2). Arkansas-equivalence hold. |
| C069 | Collector internally verifies | Internal knowledge alone insufficient; compliant sending/mailing required. | S018(b); S009(b); S029(c),(d); S030. |
| C070 | Response delayed | No universal fixed thirty-day collector-verification deadline established. | Same bodies; collection pause persists unless satisfied. |
| C071 | Repeat written dispute | Apply substantial-sameness/no-new-material-information test and required response. | S029(a)(1),(d)(2)(ii). |
| C072 | State response differs from federal alternative | Electronic, duplicate and same-creditor integration remains unresolved. | S009; S011(e); S019/S031. |
| C073 | Consumer does not dispute | Silence is not legal admission of liability. | S009(c); S018(c); S029(d)(1). |
| C074 | Collection during validation period | Do not overshadow or contradict dispute/original-creditor rights. | S018(b); S029(b). |
| C075 | Verification sufficiency challenged | Dunham is a fact-specific mistaken-identity holding. | S043 pp.8–10. |
| C076 | Collector supplies validation | No universal signed-contract/notarized-affidavit/trial-proof requirement established here. | S018/S028/S029/S043; full evidence law deferred. |
| C077 | Court process also exists | Validation request does not itself determine or extend court deadlines. | Separate procedural family; no live deadline supplied. |
| C078 | Verification sent | Does not adjudicate title, validity, accrual, payment, discharge or enforceability. | Scope distinction; actual merits held. |
Claim ID · Predicate · Consequence · 11 data rows
| Claim ID | Predicate | Consequence | Evidence/limit |
|---|---|---|---|
| C079 | Arkansas currentness assessed | Enactment plus 2025 mirror is not complete October2026 official Code authentication. | S001,S003–S011. |
| C080 | Board-rule currency assessed | Official codified body read; generation/update date is not adoption. | S002; original full chain held. |
| C081 | Federal version assessed | Current displayed bodies have stated cutoff dates; final rules effective Nov30,2021; proposed delay withdrawn. | S012–S020,S036–S038. |
| C082 | Judicial treatment assessed | Six published official bodies read, not complete citator review or wholesale state incorporation. | S039–S044. |
| C083 | Actual consumer/provider application | No actual contract, role, communication, receipt, consent or debt facts established. | Research boundary. |
| C084 | Local/tribal/interstate application | No universal territorial or local-practice validation. | Specific authority/facts remain held. |
| C085 | Complaint/information route | Rule401 investigation authority and public CFPB information do not constitute a filed complaint or legal determination. | S002 §401; official CFPB pages. No submission/contact. |
| C086 | Fictional examples | Communications alone do not change receipts or modeled debt balances. | No fictional payment or authorized charge modeled. |
| C087 | Research timing described | Access date differs from enactment, publication, currency and review dates. | Source register; exact opening times unknown. |
| C088 | Deceptive form furnished | State statute separately prohibits knowing false third-party collection participation forms. | S046(a); S001 printed10/PDF9. Remedies deferred. |
| C089 | Collector disclosures/translation | Initial/subsequent disclosure and language requirements apply, with specified exceptions. | S007(b)(11); S025(e)–(f). Arkansas identity integration held. |
Row · Issue · Status / claims · 28 data rows
| Row | Issue | Status / claims | Exact missing evidence or next action |
|---|---|---|---|
| K01 | Consumer/business/mixed-purpose debt | Text resolved; C001 | Actual transaction purpose and obligations. |
| K02 | Original creditor and false name | Partial application; C003–C004 | Actual ownership, collection activity and representations. |
| K03 | Debt buyer/principal purpose | Holdings read; C008–C009 | Actual business purpose, activity and current treatment. |
| K04 | Servicer/default timing | Text resolved/application held; C005 | Acquisition/default facts and agreement. |
| K05 | Affiliate/employee/other exclusions | Text resolved/application held; C006–C007 | Each exclusion’s factual predicates. |
| K06 | Attorney/security-only conduct | Holdings read; C010–C011 | Actual money demand versus enforcement-only conduct. |
| K07 | Arkansas remote nexus | Partial/held; C013 | Responsive state jurisdiction, extraterritorial and choice-of-law authority. |
| K08 | Time/place/knowledge/consent | Text resolved; C015–C019 | Actual local time, knowledge, consent scope and court order. |
| K09 | Workplace | Additional state rule identified; C020–C021 | Current amendment chain and actual employer/home-letter facts. |
| K10 | Third parties/location | Text resolved; C022–C024 | Actual recipient, purpose, prior contact and authority. |
| K11 | Global cease/medium request | Text resolved with state integration limits; C025–C028 | Request text, receipt, channel and exception facts. |
| K12 | Harassment and threats | Text resolved; C029–C031 | Actual pattern, content, intent and legal availability. |
| K13 | Charges/postdated instruments | Boundary resolved; C032–C033 | Actual agreement/law; full payment and instrument procedure deferred. |
| K14 | Postal disclosures | Text resolved; C034 | Actual envelope/postcard and business-name content. |
| K15 | Disputed reporting/prefurnishing | Narrow gateway resolved; C035–C037 | Actual reporting sequence; full FCRA duties separate. |
| K16 | Limited-content voicemail | Federal definition resolved; C038–C039 | Arkansas identification/content harmonization. |
| K17 | Call frequency/conversation/counting | Text and interpretations resolved; C040–C044 | Actual person/debt ledger, connections, consent and broader pattern. |
| K18 | Email/text paths | Text resolved/application held; C045–C047 | Address/number origin, consent, opt-out and reassignment records. |
| K19 | Workplace email/social media | Text resolved; C048–C049 | Actual employer knowledge and visibility. |
| K20 | Initial notice and exclusions | Federal/state text read; C050–C053 | Arkansas interpretation of federal-only alternatives/exceptions. |
| K21 | Itemization/creditor information | Text resolved; C054–C057 | Actual reference data, product classification and accurate balance. |
| K22 | Model-form safe harbor | Scope resolved; C058 | Actual form comparison; no form adopted here. |
| K23 | Receipt and delivery | Federal method resolved; C059–C063 | Actual delivery failure/receipt, E-SIGN facts and state integration. |
| K24 | Oral versus written dispute | Distinction resolved; C064–C066 | Actual submission, channel acceptance and receipt. |
| K25 | Original-creditor request | Federal route resolved; C067–C068 | Actual creditor identities and state same-creditor procedure. |
| K26 | Verification/resumption/duplicates | Partial integration; C069–C076 | Actual response sufficiency and Arkansas treatment of federal shortcuts. |
| K27 | Court deadline/ownership/validity boundary | Preserved; C077–C078 | Separate litigation, evidence, limitation and merits authority. |
| K28 | Deceptive forms and disclosures | Text resolved; C088–C089 | Actual document/content, translation and state-rule compatibility. |
Row · Source family · Status · 9 data rows
| Row | Source family | Status | Exact remaining evidence |
|---|---|---|---|
| Q01 | Arkansas consumer-conduct Code | Act1455 plus 2025 mirrors read | Complete current official §§502–508/511 chain and amendments. |
| Q02 | Arkansas workplace provision | Current mirror and official rule read | Material later act chain, including referenced 2019 amendment. |
| Q03 | Board rule | Official codified body read | Original final adoption/filing record and any uncodified later amendment. |
| Q04 | Federal Code | Most material sections read at PL119-124 display | Readable current OLRC §1692c; FTC alternate retains 2010 currency limit. |
| Q05 | Regulation F | Current CFPB/eCFR bodies and interpretations read | Any material change after displayed eCFR cutoff; no complete all-Part audit claimed. |
| Q06 | Effective dates | Withdrawal and final-rule designations read | Complete preamble history only if later interpretive issue requires it. |
| Q07 | Electronic state-law integration | E-SIGN and federal rule read | Arkansas UETA, preemption and controlling state application. |
| Q08 | Holidays | Cornell statute and official OPM schedule read | Official current §6103 body; unresolved observed-holiday edge cases not modeled. |
| Q09 | Cases | Six official published opinions read | Complete current citator and responsive Arkansas majority on §508 differences. |
Row · Example · Resolved analytical work · 4 data rows
| Row | Example | Resolved analytical work | Remaining application facts |
|---|---|---|---|
| M01 | Notice/receipt | Five excluded days and thirty calendar days separated; actual/assumed branches shown. | Actual delivery, state integration and operative notice. |
| M02 | Call ledger | Every attempt/conversation reconciled; rolling window and conversation period separated. | Actual call/debt assignment, consent, channel legality and harassment evidence. |
| M03 | Dispute/original creditor | Submission, receipt, internal verification, mailing and receipt separated. | Timeliness, response sufficiency and independent contact restrictions. |
| M04 | Electronic failure/opt-out | Consumer electronic writing distinguished from collector E-SIGN delivery. | Actual consent, accepted channel, bounce, opt-out and state electronic law. |
Row · Area · Status and exact next investigation · 6 data rows
| Row | Area | Status and exact next investigation |
|---|---|---|
| T01 | Arkansas counties and municipalities | No county-specific communication or complaint practice was validated. Read any genuinely applicable adopted local authority; no seventy-five-county inventory was used as legal validation. |
| T02 | Remote/interstate contacts | Establish actual contacts, governing law, forum and extraterritorial limits. |
| T03 | Tribal nexus | Particular sovereign’s law, jurisdiction, immunity and federal interaction remain unresearched. |
| T04 | Federal/government actors and special systems | Establish actual statutory exclusion, official duty and special-debt regime. |
| T05 | Contract and actual communications | No agreement, authorization, letter, recording, call log, email header or delivery record examined. |
| T06 | Actual consumer/provider status | No individual/provider status search, private record, actual eligibility or permission finding. |
Row · Family · Remaining work · 10 data rows
| Row | Family | Remaining work |
|---|---|---|
| D01 | Licensing, security and application charges | Separate gateway; PASS-06 not adopted. |
| D02 | Debt adjusting, settlement and credit repair | Separate definitions, permission and fee laws. |
| D03 | Service, venue, answer/default/vacatur | Full procedural investigation; no live deadline supplied. |
| D04 | Standing and evidence for suit | Ownership, assignment, authenticity, admissibility and trial burdens. |
| D05 | Limitations and judgment revival | Separate clocks; PASS-05 figures not borrowed. |
| D06 | Wage/bank/property/secured enforcement | Separate remedies, exemptions and enforcement procedures. |
| D07 | Full FCRA/TCPA/DNC/privacy | Disputed-reporting and channel boundaries only; no general compliance permission. |
| D08 | Damages, sanctions and full remedies | No damages figure, settlement model or cause-of-action conclusion supplied. |
| D09 | Special debts and bankruptcy | Government, support, tax, student, secured, estate and bankruptcy-specific rules. |
| D10 | Full state/parent acceptance | Complete Arkansas, parent, A066, A097 and A098 work remains open. |
Original reviewed row, preserved · Narrow PASS-07 contribution · Unchanged remainder · 1 data rows
| Original reviewed row, preserved | Narrow PASS-07 contribution | Unchanged remainder |
|---|---|---|
| Topic: “Civil remedies, collection, litigation, limitations.” Status: “Later pass.” Claims: —. Resolved: “§303 referenced only as necessary.” Exact remaining investigation: “Full remedies, private rights, UDAP, limitations, criminal enforcement.” Supplied SAME-coordinator review: 2026-10-25T01:39:29.896022Z. | Adds only ordinary consumer-debt communications, initial validation, dispute/original-creditor requests, and verification/resumption analysis under the parent’s collection-conduct/documentation dimension. | Does not accept the full row, state component, parent dossier, or any other deferred family. Review time is not a source-opening timestamp. |
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.
These components repair their stated scope. They do not replace every other finding in this research series.
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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.
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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.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
scoped review complete communications validation timing stateintegration currentness holds
Inside: Arkansas provider market access and consumer fees · Bottom-line determination · 1. Current Arkansas definitions and classifications
Inside: Narrow correction patch to Arkansas PASS-01 · PATCH 1 — Replace PASS-01 § 3.5 in full · Replacement § 3.5 — Separate credit-repair overlap: state enactment, federal CROA, and TSR timing
Inside: Arkansas ordinary civil money-judgment wage garnishment and exemption-claim gateway · A1. What counts as earnings, and what the federal ceiling actually does · A2. Arkansas’s constitutional selection right is different from its special wage statute
Inside: Arkansas ordinary money-judgment bank garnishment, ownership, protected funds, and exemption claims · Principal conclusions · A1. The Arkansas bank process is not the payroll process
Inside: Arkansas consumer-debt limitations, accrual, acknowledgment, and judgment revival · Principal findings · A1. First uncured default, charge-off, and later conduct
Inside: Arkansas collection-agency classification, licensing, exemptions, security, and public procedure · Principal findings · A1. The four statutory activity branches
Inside: Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies · Principal findings · A1. Definitions and service models
Inside: Arkansas ordinary consumer money-debt litigation: court selection, venue, service, response, default, and relief · Principal findings · A1. Court-selection matrix
Inside: Arkansas official-source, identity, notice, and electronic-writing integration · Findings that materially advance the remaining rows · A1. Amendment and adoption matrix
Inside: Arkansas ordinary consumer money-debt merits, plaintiff identity, assignment, account proof, and business records · Principal findings · A1. Merits matrix
Inside: Arkansas residential homestead, ordinary judgment liens, execution, estates, and proceeds · Principal findings · A1. Clause-by-clause matrix
Inside: Arkansas ordinary consumer-debt interest, usury, contractual charges, and judgment-interest accounting · Principal findings · A1. Rate architecture matrix
Inside: Arkansas ordinary consumer contract/account arbitration: agreement, delegation, enforcement, and award review · Principal findings · A1. Regime matrix
Inside: Arkansas ordinary money-judgment payment, compromise, satisfaction, and necessary release · Principal findings · A1. Do not collapse these events
Inside: Arkansas consumer motor-vehicle secured loans: default, repossession, disposition, redemption, surplus, and deficiency · Principal findings · A1. Definitions and classification matrix
Original saved Markdown SHA-256: 379eeb112d34e787e45a36999a61425290ba9e391d39addb2c8912bfd1672648. Public formatting, private-reference removal and correction annotations are separate from that immutable original.