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Arkansas official-source, identity, notice, and electronic-writing integration

S_AR · pass-10Captured 2026-10-2725 tables · 76 claim records · 31 source recordsScoped coordinator review completed

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Arkansas credit-services and credit-repair organizations: classification, security, contracts, cancellation, refunds, and limited remedies →

SettleADebt — S_AR PASS-10

Arkansas official-source, identity, notice, and electronic-writing integration

Access date: October 27, 2026. Exact source-opening times were not logged and are unknown.

Authorized foundation: The supplied SAME-coordinator PASS-07 review completed 2026-10-27T12:59:34.561795Z. That is a review timestamp, not an independent review, source-opening time, or current-law certificate. Earlier raw answers and provenance remain unchanged. PASS-06, PASS-08, and PASS-09 were not used as legal premises.

Scope: Only the eight specified PASS-07 remaining rows: K09, K16, K22, K28, Q01, Q02, Q03, and Q07.

Findings that materially advance the remaining rows

The workplace renumbering is now supported by the actual 2019 enactment. Act 990 § 25 repealed former § 17-24-307(3), the criminal-conviction ground. It did not rewrite the workplace-contact language. The retained workplace provision appears as paragraph (11) in the 2025 reproduction, rather than the (12) shown in Act 1455. This closes the identified amendment-body gap, but not the complete current-code or commencement chain. C001–C004. Arkansas Legislature+1

The 2021 rule was not merely a proposal. The November 19, 2021 legislative report records subcommittee approval of the revised Board rules. The official December 2021 Arkansas Register lists the rule under adopted rules, docket 235.15.21-001F, with an effective date of December 9, 2021. The Board’s signed adoption instrument, exact filing timestamp, and a complete later-amendment comparison remain unavailable. C007–C011. Arkansas Legislature+2

A material statutory interpretive instruction was also verified. Section 17-24-203 directs the Board to use federal debt-collection interpretations to the greatest extent possible, while limiting its rules to those consistent with the chapter. That instruction is broader than § 512(e)’s specified FTC advisory-opinion defense, but neither provision expressly imports every Regulation F alternative into Arkansas law. C005–C006. Arkansas Legislature+1

Electronic “writing” and an electronic substitute for a specified mailing method are different questions. Arkansas UETA supports electronic records, but contains agreement, retention, attribution, receipt, and specified-method conditions. E-SIGN § 7002(c), in turn, prevents using UETA’s specified-method provision to circumvent federal electronic-record protections. Therefore, neither “Arkansas always requires paper” nor “federal electronic compliance automatically satisfies Arkansas” is established. C025–C044, C049–C050. Justia Law+1

The federal model notice is usable as a comparison source, not a state-compliance certificate. Its identity fields, initial collection disclosure, state-addition options, and permitted generated-date addition provide possible points of compatibility. Its safe harbor does not establish actual licensed-name accuracy, an Arkansas workplace predicate, lawful electronic delivery, or every state content requirement. C061–C071. Consumer Financial Protection Bureau+1

In the tables below, S001 means S_AR-P10-S001, and C001 means S_AR-P10-C001. Full literal HTTPS URLs appear in the source register.

A. Enactment, adoption, and currentness reconstruction

A1. Amendment and adoption matrix

Authority/event	What the actual source establishes	What it does not establish	Claims
Act 1455 of 2009, § 1	Enacted the material consumer-conduct definitions and §§ 503–508, 511, and 512 language examined here. Relevant pages were freshly read and visually inspected.	Complete October 2026 nonsupersession; exact commencement from approval alone.	C001–C002
Act 1455 § 10	Workplace language appeared as former § 307(12): good-faith home-letter conditions precede the addressed workplace letter/call.	That satisfying this condition overrides an employer prohibition or another contact restriction.	C001, C012–C013
Act 990 of 2019, § 25	Repealed former § 307(3), concerning conviction of a crime involving moral turpitude. Approval appears as April 15, 2019.	A rewrite or repeal of the workplace language; exact commencement or every transition consequence.	C003
Current displayed § 307	The retained workplace language is numbered (11); its history cites Act 990 § 25.	Official integrated October 2026 authentication. The page is a 2025 secondary reproduction.	C004
Act 288 of 1995, § 1	Enacted the federal-interpretation instruction and statutory-consistency limitation in the predecessor § 17-21-203. Approved February 13, 1995.	Complete recodification/terminology chain to present § 17-24-203.	C005
November 17, 2021 summary agenda	Reports an August 18 hearing, September 7 comment deadline, no comments, and proposed effectiveness pending legislative review and approval.	It is not itself the Board’s final adoption vote or filing certificate.	C007
November 19, 2021 subcommittee report	States the subcommittee met November 17 and reviewed and approved the listed rules, including the Board’s revised 2021 rules.	A separately verified full-Council vote, Board adoption date, or Secretary of State filing timestamp.	C008
December 2021 Arkansas Register	Under adopted rules, identifies docket 235.15.21-001F and December 9, 2021 effectiveness.	The complete signed final filing packet or proof that every later amendment is absent.	C009–C010
Current official CAR Part 280	The posted operative compilation contains §§ 280-302(a)–(d) and the relevant alias-record provision.	Its March 22, 2026 PDF-generation timestamp is not an adoption or amendment date.	C011
2025 Code reproductions	The material text and history notes can be compared with the selected enactments.	A publisher’s “2025” label and a history note are not complete current primary authentication.	C002, C072

The actual final rule file linked from the agency remained inaccessible. Consequently, the official Register establishes adopted status and the stated effective date, while the exact comparison between the signed 2021 final attachment and every line of the current CAR compilation remains a distinct hold.

A2. Current state bodies: what was authenticated and what remains partial

The following material bodies were freshly examined:

Provision	Material function in this pass	Primary support and remaining limit
§ 17-24-502	Communication, consumer, debt, and collector predicates needed to distinguish attempted contact from communication.	Act 1455 § 1 plus 2025 reproduction. Actual coverage facts and later-law chain remain open.
§ 503	Location-information exception relevant to identity provisions.	Enacted body and reproduction read; no broader location-contact report repeated.
§ 504	Employer prohibition and the consent/court-permission framework.	Enacted body and reproduction read. Actual employer knowledge and exceptions not established.
§ 505(b)(6)	Meaningful caller identification, subject to its location-information exception.	Same source limits; no LCM-specific Arkansas construction found.
§ 506	True business name, collector disclosures, false legal/government appearance.	Material clauses (9), (11), and (14), together with the general prohibition, read.
§ 507(b)(8)	Envelope-name limitation.	Read only to distinguish envelope treatment from required identity inside a communication.
§ 508(a)–(c)	Written validation notice, receipt-based period, written dispute/request, mailed response, nonadmission.	Enacted text and 2025 reproduction match in the material clauses. Electronic and shortcut integration remains unresolved.
§ 511	Knowing creation/furnishing of deceptive forms implying false third-party collection participation.	Enacted text and reproduction read. It is not a model-form exemption.
§ 512(e)	Specified FTC advisory-opinion good-faith defense.	Read; no subsection (f) or universal federal-incorporation rule invented.

Hierarchy conclusion: Section 203(b) is a material instruction to the Board to consult federal interpretation. It supports examining Regulation F carefully. It does not, by its words alone, replace § 508’s response language, establish an adjudicated state LCM exemption, or resolve E-SIGN preemption. Section 203(a) also limits rulemaking to provisions consistent with the chapter. C005–C006.

B. Workplace, business identity, individual aliases, and limited-content voicemail

B1. Clause-by-clause state/federal compatibility matrix

Issue	Arkansas text	Federal text	Result and unresolved construction
Workplace prerequisite	§ 307(11) and CAR 280-302(b) require the stated good-faith letter to the usual abode, mail not returned, and no answer before the addressed workplace contact.	§ 1692c(a)(3) separately addresses known or reasonably known employer prohibition, within subsection (a)’s exception structure.	The state home-letter condition does not itself defeat the federal restriction. No waiting period beyond the text is invented. C012–C013.
Business name on an attempt	CAR 280-302(a) requires the name or trade style exactly as on the license when attempting collection.	§ 1006.2(j) requires a business name that does not indicate debt collection for an LCM.	A neutral name must independently satisfy the state identity requirement; federal neutrality does not authorize an unlicensed or false business identity. C014, C019–C020.
Contents of a communication	CAR 280-302(c) specifies collection reason, creditor name, licensed agency name, written-communication date, and oral individual identity.	A qualifying LCM contains only required and permitted optional content and is not a federal communication.	Whether Arkansas’s rule uses “communication” in a way excluding an LCM remains unresolved. Its separate “attempt” provision still matters. C015, C023.
Meaningful caller identity	§ 505(b)(6) requires meaningful identity, subject to the specified exception.	Federal LCM and employee-name rules address different elements.	No controlling Arkansas holding was found declaring every federally qualifying LCM sufficient under this clause. C016.
True business name	§ 506(b)(14) prohibits another business/company/organization name than the true name.	§ 1006.18(c)(4) has a corresponding true-name restriction.	A qualifying trade style and the actual legal/operational identity must be established. A hypothetical label proves neither. C017.
Employee assumed name	CAR 280-201(e)(2) requires the stated office/employee alias records and retention.	§ 1006.18(f) permits a consistently used employee assumed name when the collector can readily identify the employee.	This concerns a person’s alias, not permission to invent an alternate collection-company name. C018.
Extra voicemail content	State content and deception rules still apply.	Debt information beyond permitted LCM content may make the voicemail a communication requiring disclosures.	Adding creditor or collection-purpose information can destroy the relied-on federal LCM classification. C022–C024.
Known third-party destination	Third-party and identity restrictions remain applicable.	A message knowingly directed to a third party is not a qualifying consumer LCM merely because it is short.	No contact permission is inferred. C021.
Callback	Actual oral-communication duties must be considered.	A consumer’s callback can become the initial communication requiring the collection disclosure.	The voicemail classification does not exempt the subsequent conversation. C022.
Deceptive document or form	§§ 506 and 511 address false source, legal status, business identity, and fictitious collection participation.	Federal model-form use does not validate false factual content.	Neither a model layout nor an alias policy cures deception. C017, C070.

The current official CAR body was read directly, including its written-date and alias requirements. These are not inferred from a license-category description. Arkansas General Assembly+2

B2. The two unresolved LCM constructions

The conflict cannot be resolved by saying only “an LCM is not a communication.”

Possible narrower construction: Arkansas’s debt-information definition of communication informs CAR 280-302(c). A message conveying no debt information might therefore fall outside that subsection, while still being an attempt governed by subsection (a) and other identity provisions. Section 203(b)’s interpretive instruction is relevant to this argument.

Possible broader construction: CAR 280-302’s telephone/oral-communication language reaches the attempted callback message itself. Its creditor/reason requirements would then be difficult to satisfy while preserving the federal LCM’s restricted content.

These are identified interpretive alternatives, not holdings. No responsive published Arkansas majority or final Board construction resolving this exact intersection was obtained. A neutral business name, a traceable employee alias, and a federal LCM checklist do not close that state-law gap. C023, C073.

C. Electronic writing: separate each legal step

C1. Arkansas UETA and E-SIGN matrix

Step or concept	Arkansas UETA provision read	Necessary federal provision	Supported conclusion
Scope	§§ 25-32-102–103 define transaction, record, signature, and covered electronic activity.	§ 7001(a) concerns transactions in or affecting interstate or foreign commerce.	Do not assume every message automatically satisfies every transaction predicate. C025, C039.
Agreement to use electronic means	§ 105 looks to agreement, context, and conduct; it does not force electronic use or waive refusal for future transactions.	§ 7001(b)(2) likewise does not generally force acceptance.	Consent to one use is not unlimited consent to every later disclosure or channel. C027, C041.
Writing	§ 107(c) allows an electronic record to satisfy a writing requirement.	§ 7001(a) prevents denial solely because of electronic form.	A record can be “in writing” without resolving whether it was sent by the required method. C028, C039.
Signature	§§ 102 and 107(d) require the relevant intent/association for an electronic signature.	§ 7006 separately defines electronic signature.	A writing requirement is not automatically a signature requirement. C028.
Attribution	§ 109 asks whether the record/signature was the person’s act, with context and security procedures relevant.	Electronic form does not remove authenticity questions.	A displayed name or account login is not conclusive attribution. C029.
Recipient retention	§ 108(a), (c) addresses ability to retain, print, and store at receipt.	§ 7001(d) and § 1006.42(a)(1) require applicable accessibility/retention.	A transient or disabled-download display can fail a separate requirement even if it is electronically visible. C030, C036.
Specified delivery method	§ 108(b)(2) preserves another law’s specified method, subject to subsection (d)(2).	§ 7002(c) prohibits circumvention through UETA § 8(b)(2).	Neither provision can be ignored. A specific state-mailing/preemption analysis remains necessary. C031–C032, C043.
Limited variation of ordinary mail	§ 108(d)(2) allows agreement to vary specified ordinary-mail methods only to the extent other law permits.	E-SIGN separately governs qualifying consumer electronic disclosures.	A general online-account agreement is not automatically a valid waiver of every mailing requirement. C032, C040.
Sending	§ 115(a) requires proper direction to an appropriate processable/retrievable system and departure from sender control or entry into the specified recipient-controlled area.	Regulation F has its own delivery requirements.	Pressing “send” alone does not establish all predicates. C033.
Receipt	§ 115(b), (e) permits qualifying system receipt without individual awareness.	A collection pause’s trigger must still be applied to the legally relevant receipt.	“Not opened by an employee” is not necessarily “not received.” C034.
Automatic acknowledgment	§ 115(f) proves a record was received, not necessarily that received contents match sent contents.	Required substantive content still matters.	A delivery receipt is not a content or legal-sufficiency certificate. C034.
Known failure	§ 115(g) sends the effect of known nonreceipt/nonsending to other applicable law.	§ 1006.42 does not permit known failed delivery to be treated as adequate notice.	A contrary presumption or routine system entry does not erase known failure. C035, C058.
Retention	§ 112 requires accurate, accessible preservation and retains specified exceptions.	§ 7001(d) has parallel retention requirements.	Storage of a link alone may not establish preservation of the actual required record. C036.

The UETA bodies were read from dated reproductions. The official Act 905 body could not be obtained through the attempted routes. Section 104’s displayed March 19, 2001 application date is therefore reported as a codified reproduction, not freshly authenticated enactment commencement. C026. Justia Law+1

C2. Controlling Arkansas construction actually read

Barwick v. Government Employee Insurance Co., 2011 Ark. 128, March 31, 2011 concerned an undisputed online insurance rejection and an admitted electronic signature. The Arkansas Supreme Court affirmed summary judgment and applied § 25-32-107(c) to satisfy the other statute’s writing requirement.

The holding supports a genuine distinction between “electronic” and “not written.” It does not decide:

§ 17-24-508’s mailing language;
accepted collection-dispute channels;
consumer E-SIGN disclosure consent;
UETA § 108’s specified-method provision;
a bounced or inaccessible response; or
same-creditor or duplicate-dispute alternatives.

The official opinion-navigation route failed; the actual majority body was read in a disclosed reproduction and the final page was visually inspected. No separate writing was shown. Full later-treatment review was not obtained. C037–C038. Justia Law+1

C3. E-SIGN prevents both shortcuts

Shortcut rejected: “State law says mailed, so electronics can never qualify”

Section 7002(c) directly limits a state’s ability to use UETA’s nonelectronic-delivery provision to circumvent E-SIGN. Arkansas § 25-32-103(e) also expressly identifies its adoption of the 1999 UETA and the federal preemption framework. These provisions must be considered, not omitted. C043.

Shortcut rejected: “The consumer emailed us, so we can email every required response”

A consumer’s accepted electronic dispute is not affirmative consent to receive the collector’s specified electronic disclosures. For disclosures within § 1006.42(b), the collector must independently satisfy E-SIGN § 7001(c), including applicable consent, access-demonstration, scope, withdrawal, and changed-access conditions. C040–C041, C048, C059.

Section 7001(c)(2) preserves content and timing. Its special protection for a specified delivery method requiring verification or acknowledgment has its own pre-enactment and receipt-verification predicates; those cannot simply be assumed for Arkansas’s 2009 statute. Section 7003’s exceptions likewise require their actual category. An ordinary collection notice does not become a court document or primary-residence foreclosure notice merely because it mentions default. C042, C044. US Code+1

Remaining legal step: Determine, on the particular state duty and facts, whether UETA and E-SIGN permit the electronic record and delivery method to satisfy § 508. This report does not choose a production implementation in the absence of that construction.

D. State § 508 versus the federal response alternatives

D1. Clause-by-clause integration

Event	Arkansas text	Federal text/interpretation	Result
Initial notice	§ 508(a) requires written notice initially or within five days unless paid.	Federal initial/follow-up routes are not identical in every respect.	No wholesale federal substitute is assumed. C045.
Consumer’s period	State text refers to thirty days after receipt.	Regulation F has its defined validation period and permitted receipt assumption.	The federal assumption is not silently inserted into state text. C046.
Consumer electronic dispute/request	State text says “in writing.”	Official § 1006.38 interpretation accepts an electronic medium through which the collector accepts consumer communications.	Federal writing can be satisfied; state UETA application is a strong but conditional route, not an automatic all-facts conclusion. C047–C049.
Consumer signature	§ 508’s dispute/request language does not itself impose a signed-original requirement.	Accepted electronic writing is not conditioned on an invented notarized or ink-signed original.	Attribution and actual contents remain relevant. C028–C029, C047.
Pause	Timely written dispute/request triggers the stated cessation rule.	Receipt of the qualifying timely submission triggers the corresponding federal pause.	A dispute and a separate original-creditor request require separate response analysis. C051.
Internal verification	State requires obtaining and mailing the relevant response.	Federal rule requires sending the applicable response through § 1006.42.	Internal confirmation alone does not end the pause. C052–C053.
Collector electronic verification	State says the response is mailed.	§ 1006.38(d)(2)(i), read with § 42(b), provides the qualified electronic route.	Federal compliance does not by itself settle the state mailing issue. C050, C059.
Original creditor equals current creditor	State notice clause (a)(5) uses “if different”; subsection (b) has its own mailing language.	§ 38(c)(2) permits reasonable same-creditor determination, notification, and reference to prior validation information.	The state “if different” clause is relevant, but no controlling state adoption of the federal shortcut was found. C054, C057.
Repeat dispute	State § 508 has no express duplicative-dispute procedure matching the federal rule.	§ 38(a)(1), (d)(2)(ii) permits the stated route only after qualifying earlier verification and no new material information.	Do not call every repeated communication duplicative. State shortcut compatibility remains held. C055–C057.
Duplicate-dispute notice electronically	No express state counterpart verified.	§ 38(d)(2)(ii)(A) specifically invokes § 42(a)(1); § 42(b)’s listed E-SIGN disclosures do not expressly include that paragraph.	Do not inaccurately say § 42(b) names every electronic required notice. Other applicable law still matters. C056.
Nondelivery or opt-out	State receipt/mailing questions remain factual and legal.	Known bounce, inaccessible record, or use of an opted-out destination can defeat the relied-on federal response path.	No pause-ending conclusion from “sent” status alone. C035, C058–C059.

The distinction between a consumer’s electronic writing and the collector’s electronic disclosure is explicit in the federal materials. The former is not deemed consent for the latter. Consumer Financial Protection Bureau+1

D2. The unresolved state response questions

The following findings are supported, but deliberately bounded:

Arkansas’s writing requirement can plausibly be satisfied through its UETA where the transaction, agreement, attribution, and record conditions are established; Barwick supports electronic-writing recognition.
The collector’s mailing requirement adds a method question. UETA § 108 and E-SIGN §§ 7001–7002 must be reconciled for that specific duty.
Section 203(b) favors serious consideration of federal interpretations, but is not itself a published resolution of § 508.
Section 512(e) is a specified advisory-opinion defense, not an incorporation clause.
Section 1692n and § 1006.104 preserve compatible state protection; they do not decide every UETA/E-SIGN conflict or approve the two federal shortcuts under state law.

C005–C006, C049–C050, C057, C060. Justia Law+2

E. Model notice, state additions, placement, and language

The actual Model Form B-1 image was inspected, not merely its title or a textual summary.

E1. Actual model-to-state comparison

Model feature actually observed	Arkansas requirement or issue	Comparison result
Collector name and address	CAR 280-302 licensed/trade-style name; § 506 true-business-name requirement.	A compatible field exists. Actual identity accuracy remains unverified.
Collection-purpose/use-of-information statement	§ 506(b)(11) and CAR 280-302(c)’s reason requirement.	The model provides relevant content; that does not validate the actual transaction or every state interpretation.
Current creditor and account information	§ 508(a)(2) and CAR 280-302(c).	A compatible place exists. Creditor identity and the underlying facts still require proof.
Itemization date and response deadline	State rule requires the date of a written communication.	Neither date necessarily is the communication date. The model image did not display a separate generated/communication date.
Permitted generated-date addition	Official interpretation to § 34(d)(2)(iii) expressly permits adding the date generated.	This is a potential compatibility tool, but generation and communication dates must not be falsely equated.
Original-creditor request prompt	§ 508(a)(5) and (b).	Prompt compatibility does not resolve same-creditor response sufficiency.
Reference to reverse-side information above the response area	§ 34(d)(3)(iv)(A).	Applicable state additions may use that route if all placement and prominence requirements are met.
Consumer-response coupon	Federal response information and reverse-side restriction.	State additions must not be placed directly behind that response information under the safe-harbor option.
Optional Spanish-request language	Federal § 34(d)(3)(vi), (e).	Optional offer is not a universal state translation mandate; making the offer creates the stated response obligation.

No actual Arkansas collector’s notice was supplied or compared. The generic federal-model comparison is complete; actual-template eligibility remains held. C061–C071. Consumer Financial Protection Bureau+1

E2. Safe-harbor and layout matrix

Proposed approach	Federal scope actually established	State/remaining limitation
Use Model B-1 as prescribed	Safe harbor for specified § 34 information/form requirements and the related § 38(b) provision.	Not a shield for false identity, inaccurate facts, unauthorized collection, state workplace contact, or failed delivery.
Substantially similar form	Substance, clarity, and meaningful sequence must remain substantially similar.	“Looks generally similar” is not a legal determination.
Add specifically required state text	Reverse-side option, front reference, no placement directly behind response information, and applicable prominence conditions.	Do not use this to remove federally required core information from its required presentation.
Put itemization or qualifying mortgage information on separate page	Expressly addressed exceptions; reference required.	Safe harbor does not extend to the separate-page disclosures themselves. Full mortgage application is deferred.
Put arbitrary additional state text on a separate insert	No general express separate-page safe harbor merely because the insert is labeled state-required.	A substantially-similar analysis may still be relevant. Loss of safe harbor is not automatically a violation.
Put notice in email body	Applicable-law additions may appear below the notice in the same communication with an appropriate reference.	It is not permission to use an inaccessible attachment or ignore electronic-delivery requirements.
Add hyperlinks or electronic response functions	The rule permits specified electronic adaptations.	Layout permission is not E-SIGN consent or actual delivery.
Translate validation information	Apply § 34(e)’s complete/accurate translation and English-version conditions.	Initial/subsequent collection disclosures independently must match the language or languages used under § 18(e)(4).

Required statutory content and optional illustrative phrasing are not interchangeable. The CFPB’s example references are examples, not a requirement to reproduce one exact additional-state-text sentence. C062–C069. Consumer Financial Protection Bureau+1

F. Four worked operational models

Every event is fictional. Coverage, authority, and factual predicates are assumptions for analysis—not findings about an actual consumer or provider. No debt, fee, payment, or call-count ledger is created.

The dates are intentionally away from disputed endpoints. “Elapsed calendar days” below is arithmetic describing the example, not a new state time-computation rule. No holiday-extension or last-day rule is applied.

Model A — Paper notice, dispute, separate creditor request, and incomplete responses

Assumptions: Proper paper notice sent October 5, 2026 and received October 7; covered debt and actor; original creditor differs from current creditor; valid addresses; no independent contact prohibition is adjudicated.

Date/event	Evidence stipulated	Trigger and clock	Pause/result/remaining hold
Oct. 7: notice received	Actual paper receipt	State receipt-based period; federal actual-receipt path assumed.	No endpoint calculation needed.
Oct. 12: consumer mails written dispute	Copy and mailing evidence	Five elapsed calendar days after receipt.	Submission is comfortably nonboundary; receipt follows.
Oct. 14: collector receives dispute	Delivery and contents established	Seven elapsed days after notice receipt.	Applicable dispute pause begins. C051.
Oct. 15: consumer separately mails original-creditor request	Separate written request	Eight elapsed days after notice receipt.	Distinct requested response.
Oct. 16: collector receives request	Delivery and contents established	Nine elapsed days after notice receipt.	Original-creditor pause also applies. C051.
Oct. 19: sufficient verification mailed, but no original-creditor information	Proper paper dispatch and assumed sufficient verification	Verification branch potentially satisfied.	Original-creditor request remains unresolved; no overall resumption conclusion.
Oct. 20: collector learns original name/address internally	Internal record only	No external response event	Internal knowledge does not complete the response. C052.
Oct. 22: correct original name/address properly mailed	Actual contents and dispatch assumed	Applicable paper response event	Both illustrated response requirements are potentially satisfied; other restrictions and actual adequacy remain separate.
Oct. 26: consumer receives the second response	Actual receipt	Not substituted for the statutory mailing/sending trigger	No blanket permission to contact follows. C053, C074.

Adverse branch: A response addressing only the amount cannot be assumed to answer the separate original-creditor request. A wrong address, missing content, or a known delivery problem changes the result. No fixed thirty-day collector response deadline is invented.

Model B — Consumer electronic writing versus collector electronic response

Assumptions: Proper paper notice was already received. The consumer submits a dispute on October 9 through a portal the collector accepts for disputes. The record is attributable, processable, and retained. No last-day issue exists.

Variant/event	Independent facts	Federal consequence	State integration/hold
Portal receives dispute; employee does not read it until Oct. 12	System receipt and contents are provable	Accepted electronic writing can trigger the federal pause upon receipt.	UETA system-receipt provisions are relevant; agreement, transaction and other-law predicates must still be established.
Collector replies by email on Oct. 14; consumer never gave required disclosure consent	Incoming portal use only	Incoming writing does not supply § 42(b)/E-SIGN consent.	No state-mailing equivalence is established either.
Consumer gave valid relevant consent; response cannot be printed, stored, or later accessed	Consent exists; retention fails	Consent alone does not cure delivery/retention defect.	UETA § 108 supplies an additional relevant retention issue.
Consent and file access exist, but consumer opted out of that address	Opt-out known before response	Do not treat delivery to that address as automatically compliant.	State consequences also remain factual and legal.
Consent and file access exist, but message bounces	Known nondelivery	A routine “sent” status does not complete the required response.	UETA § 115(g) directs attention to actual failure and other law.
All federal consent, access, address and sending predicates are met	No bounce; appropriate format	Federal electronic response can satisfy its specified route.	§ 508’s state mailing/UETA/E-SIGN integration remains unresolved; no automatic state conclusion.
Proper paper response is later mailed on Oct. 20	Adequate content, proper address and dispatch stipulated	May satisfy the paper response route.	Textual state mailing route is addressed, but actual adequacy and other restrictions remain held.

Operational result: Record four different questions: consumer’s writing, collector’s disclosure consent, delivery/retention, and state-method equivalence. A single “electronic consent” checkbox cannot answer all four. C027–C050, C058–C059.

Model C — Neutral-name LCM, individual alias, and workplace predicate

No actual name or script is proposed. The variables below are assumed facts only.

Step	Fictional predicate	Federal branch	Arkansas branch/hold
Business identity	“Name A” is neutral and is stipulated to be the exact licensed trade style and true business identity.	Potentially satisfies the LCM neutral-business-name element.	Addresses the assumed identity fact; no actual license/name checked.
Individual identity	Employee uses “Alias B” consistently; agency can readily trace it and keeps the required alias records.	Potentially satisfies § 18(f).	Alias record duty addressed on assumptions; does not authorize a different business name.
Message content	Only required/permitted LCM categories are used.	Potential LCM, not a federal communication.	CAR § 302(a)’s attempt rule still applies; § 302(c)/§ 505 integration remains held.
Alternative: actual licensed name indicates debt collection	Neutral-name element fails if that name is used.	Cannot simply label the message an LCM.	Substituting an unapproved neutral identity is not presumed lawful.
Alternative: creditor/collection-purpose content added	Message conveys debt information.	Reassess as a communication, including required disclosures.	May address state content, but no third-party/contact permission is established.
Home-letter prerequisite	Proper usual-abode letter sent; not returned; no answer, all stipulated.	Does not decide employer prohibition.	Addresses only the stated prerequisite; no unexpressed waiting period or overall permission inferred.
Adverse home-letter branch	Letter returned, or consumer answered it	Different predicate set	Do not treat the listed no-return/no-answer condition as established.
Employer prohibition known	No direct consent or court authorization is assumed	Independent workplace restriction remains.	Home-letter facts do not overcome it.

A later consumer callback is a new communication event with its own disclosure analysis. C012–C024.

Model D — Repeated dispute, new material information, same creditor, and notice layout

D1. Response sequence

Assume a valid paper notice actually received October 1, 2026.

Date/event	Stipulated evidence	Federal result	State hold
Oct. 5–6: written dispute sent/received	Timely writing	Pause triggered.	State writing/receipt satisfied on paper assumptions.
Oct. 9: sufficient verification properly mailed	Required prior response completed	Establishes a necessary predicate for any later duplicate analysis.	Actual adequacy remains an assumption.
Oct. 12–13: substantially same dispute sent/received, no new material information	Exact comparison documented	Collector may reasonably consider the duplicative route, but must take the required response step.	No express matching state shortcut was established.
Oct. 14: reasoned duplicate notice sent with prior-response reference	Content and delivery stipulated	Potential federal § 38(d)(2)(ii)(A) satisfaction. Its cross-reference is § 42(a)(1).	Do not declare the state pause ended solely because federal duplicate procedure was used.
Oct. 16: consumer supplies new, material identity evidence	Evidence could change verification	Not a duplicate on the stated facts; reassess and pause/respond accordingly.	State response analysis remains independent.
Oct. 19: original-creditor request received	Timely writing; original actually equals current	Federal § 38(c)(2) requires reasonable determination, notice, and reference to prior validation.	State (a)(5)’s “if different” and (b)’s mailing text require harmonization; no silent import.

D2. Model-notice alternatives

Proposed modification	What can be established	What remains unapproved
Add a truthful generated date	Expressly identified federal permissible change	Whether it accurately serves as the state communication date.
Add required state text on reverse, with front reference, away from response-coupon reverse	Expressly addressed federal placement option	Actual prominence, substance and state sufficiency.
Put all extra state text on an arbitrary separate sheet	Not automatically within an express general separate-page exception	Substantial similarity and independent compliance must be evaluated.
Use an email-body notice with state material below it	Federal interpretation permits this described layout	E-SIGN, actual delivery, access and state-method equivalence.
Provide translated validation text	Must satisfy the applicable English-version and complete/accurate translation conditions	Actual translation quality and same-language collection disclosures.

No specimen is approved and no actual recipient receives anything. C054–C071.

G. Eight additional concise fictional postures

Posture	Fictional facts	Result and outstanding issue
P01 — Unaccepted inbox	Consumer writes to an address the collector does not accept for consumer communications.	Do not automatically apply the accepted-channel federal interpretation; actual acceptance and receipt remain necessary.
P02 — Record without signature	An attributable typed dispute contains no signature image.	A writing requirement is not automatically an ink-signature requirement; attribution and actual content remain material.
P03 — Shared alias	Several employees rotate the same alias and the collector cannot identify who used it.	Federal traceability predicate is not established; state alias records do not cure an untraceable operation merely by listing the name.
P04 — Known third-party voicemail	Message is intentionally left for a coworker rather than the consumer.	The LCM label does not supply the consumer-directed predicate or third-party permission.
P05 — Date mismatch	Form generated Monday, communicated Thursday, and only Monday’s date appears.	Permitted generated-date addition does not prove the state communication-date requirement is accurately met.
P06 — Inaccessible attachment	Email reaches the right address, but its required attachment cannot be opened or retained.	Delivery of the envelope is not necessarily delivery of an accessible required record.
P07 — Spanish-request offer	Collector includes the optional Spanish-request offer and the consumer invokes it.	The resulting federal obligation must be performed; no assumption that an English-only response satisfies the offered route.
P08 — Cross-border recipient	Consumer is outside Arkansas and outside the United States when messages are sent.	Country, state, territorial, consent and delivery law require separate analysis; this pass does not globalize Arkansas or federal conclusions.

H. Source and access register

Register conventions

Except S031’s expressly identified historical record, entries below concern fresh October 27, 2026 access or attempts. Exact opening times are unknown.

P: official primary body.
R: primary text/opinion reproduced by a nonofficial host.
M: secondary codification.
G: official index, agenda, or model.
F: failed or incomplete access.
H: supplied prior-review/access history, not a new legal reading.

Grouped URLs do not count as independent corroborating primary sources.

H1. Arkansas enactments, rules, and adoption history

Source ID	Issuer/title/direct HTTPS URL	Actual scope, dates, support, and limits
S_AR-P10-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: material § 1 definitions/conduct/§§508,511,512 and §10 workplace text. Printed1–12/PDF0–11 and16–17/PDF15–16 materially read; relevant images inspected. Approved April 10, 2009. Exact commencement and full later chain held.
S_AR-P10-S002	Act 990 of 2019. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=990.pdf&path=%2FACTS%2F2019R%2FPublic%2F	P: §25, printed14/PDF13; approval printed66/PDF65, images read. Approved April 15, 2019. Selected other end provisions only; entire66-page act not claimed read. First route failed: https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT990.pdf . Alternate succeeded.
S_AR-P10-S003	2025 reproductions, §§17-24-502–507: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/	M: material definitions, location exception, workplace/third-party predicates, meaningful identification, true name, disclosures and envelope rule. Compared with S001. Not official current codification.
S_AR-P10-S004	§17-24-508. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/	M,2025: complete (a)–(c), history note. S001 provides selected enacted text.
S_AR-P10-S005	§§17-24-511,512. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/	M,2025: §511 operative body and §512(e) advisory-opinion clause. Remedy amounts and limitation periods not reanalyzed.
S_AR-P10-S006	§17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/	M,2025: material (7), (11), structure and history. Current workplace numbering compared with S001/S002.
S_AR-P10-S007	§17-24-203. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/	M,2025: complete (a)–(b). History includes Act288/1995 and Act315/2019§1376; latter body not reconstructed.
S_AR-P10-S008	Act 288 of 1995. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1995%2FR&file=288.pdf&path=%2FACTS%2F1995%2FPublic%2F	P: §1 printed1/PDF0; approval printed2/PDF1 text read. Approved February13,1995. Screenshot requests timed out; no successful image read claimed for this act. Exact commencement/recodification chain held.
S_AR-P10-S009	Official 17 CAR Part280. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf	P: §280-302(a)–(d), printed10–11/PDF9–10, and §201(e)(2), printed6/PDF5, text/images. PDF generated March22,2026, not adopted then. Official part index also read: https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID=&subChapterID=221&subPartID=&titleID=17 .
S_AR-P10-S010	ALC Rules Subcommittee November17,2021 summary agenda. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FA.+Summary+Agenda.pdf	P/G: Board item printed53–54/PDF52–53, text/images. Reports hearing/comment history and proposed status. Not final filing certificate.
S_AR-P10-S011	ALC Rules Subcommittee November19,2021 report. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F000%2F4868%2FExhibit+F.01+-+ALC+Rules+Subcommmittee+Report+Nov+2021.pdf	P: printed1 and4/PDF0 and3, images; item3 approval category and Board rule entry. Reports November17 subcommittee action. Not Board adoption minutes or separately verified Council vote.
S_AR-P10-S012	Arkansas Secretary of State, December2021 Arkansas Register. https://www.sos.arkansas.gov/uploads/December_Monthly.pdf ; archive https://www.sos.arkansas.gov/rules-regulations/arkansas-register	P/G: printed4/PDF3, image under adopted rules: docket235.15.21-001F, effective December9,2021. Archive page establishes official publication context. Signed filing packet not obtained.
S_AR-P10-S013	Adoption/access failures: https://www.labor.arkansas.gov/wp-content/uploads/ASBCA_Rule_rev.2021-FINAL.pdf ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FD.11.a+DLL+SBCA+State+Board+of+Collection+Agencies+Rules+%28Rev+2021%29.pdf ; https://www.sos.arkansas.gov/rules-regulations/administrative-rules-search/	F: agency final PDF returned403; legislative attachment timed out; official generic search redirected to https://www.ark.org/rules_and_regs/index.php/rules/search/new and presented a validation request. No bypass or submission. S010–S012 are bounded successful alternatives, not the missing signed packet.

H2. UETA and published construction

Source ID	Issuer/title/direct HTTPS URL	Actual scope and limits
S_AR-P10-S014	Arkansas UETA reproductions: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-102/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-103/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-104/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-105/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-106/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-107/	M: relevant complete definitions/scope/agreement/recognition bodies. Displayed2025 except §106 route displayed2024. §104 states application to records from March19,2001; original act not obtained.
S_AR-P10-S015	§§25-32-108,109. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-108/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-109/	M,2025: complete writing/retention/method/format/variation and attribution provisions.
S_AR-P10-S016	§§25-32-112,115. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-112/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-115/	M,2025: material retention and complete sending/receipt provisions, including known failure and acknowledgment limits.
S_AR-P10-S017	Act905/2001 attempts: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=905.pdf&path=%2FACTS%2F2001%2FPublic%2F ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2001%2FPublic%2F905.pdf ; official index https://arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2001%2FR&start=900	F/index: official index identifies UETA Act905; the body routes and index-linked attempt did not yield the act. No original-act or complete current-chain read claimed.
S_AR-P10-S018	Arkansas Supreme Court, Barwick, 2011 Ark.128. https://law.justia.com/cases/arkansas/supreme-court/2011/58424.html ; PDF https://cases.justia.com/arkansas/supreme-court/58424.pdf?ts=1462300074	R: complete material majority, seven pages; holding printed6–7/PDF5–6, final-page image read. March31,2011; affirmed summary judgment. Official navigation failed: https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do . No full citator.

H3. Necessary federal bodies and actual model

Source ID	Issuer/title/direct HTTPS URL	Actual scope, currency, and limits
S_AR-P10-S019	OLRC, 15USC7001. https://uscode.house.gov/us/usc/119-124/t15/s7001/	P: material (a), (b), (c)(1)–(6), (d), and related retention/form provisions. Display through PL119-124, October15,2026. General effective-date note October1,2000 with stated exceptions; no special old transaction applied.
S_AR-P10-S020	15USC7002. https://uscode.house.gov/us/usc/119-124/t15/s7002/	P: complete (a)–(c), especially anti-circumvention. Same displayed currency.
S_AR-P10-S021	15USC7003,7006. https://uscode.house.gov/us/usc/119-124/t15/s7003/ ; https://uscode.house.gov/us/usc/119-124/t15/s7006/	P: exceptions and relevant record/signature/consumer/transaction definitions. Not a full secured-debt or court-process dossier.
S_AR-P10-S022	15USC1692c. https://uscode.house.gov/us/usc/119-120/t15/s1692c/	P: (a)–(d) freshly read, principally workplace and exception framework. Display through PL119-120, October7,2026. New successful read does not erase P07’s earlier failures.
S_AR-P10-S023	15USC1692g,1692n. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ ; https://uscode.house.gov/us/usc/119-124/t15/s1692n/	P: material writing, pause, response and state-law-preservation provisions. Display through October15,2026.
S_AR-P10-S024	CFPB, 12CFR1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/	Official current posted rule and interpretations: material communication/attempt/LCM definitions only.
S_AR-P10-S025	§1006.18. https://www.consumerfinance.gov/rules-policy/regulations/1006/18/	Material true business name, disclosures, translations, assumed employee name, and LCM/callback interpretations.
S_AR-P10-S026	§1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34	Material (d)–(e), relevant (a)–(c), and official interpretations. eCFR displayed Title12 through October23,2026. Title-wide amendment date is not asserted as a §34 amendment.
S_AR-P10-S027	CFPB, Appendix B / Model B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/ ; image https://files.consumerfinance.gov/f/images/cfpb_regulations_1006-B-1.original.png	Official generic model image actually inspected. No named-provider specimen, translation, or completed template supplied or approved.
S_AR-P10-S028	§1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38	Material consumer-writing interpretations, original-creditor, duplicate, pause and safe-harbor provisions. eCFR through October23,2026.
S_AR-P10-S029	§1006.42. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42	Complete operative sending provisions and relevant failed-delivery/opt-out interpretations. eCFR through October23,2026.
S_AR-P10-S030	§1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/104/	Current posted state-law relationship and interpretation; not a specific Arkansas determination.

H4. Preserved prior-access history—not new authority

Source ID	Record and URLs	Status
S_AR-P10-S031	Supplied P07/MN11 history, including earlier failed §1692c routes: https://uscode.house.gov/us/usc/119-124/t15/s1692c/ and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim ; prior FTC compendium https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text ; prior Cornell holiday fallback https://www.law.cornell.edu/uscode/text/5/6103	H: preserved as historical access limitations, not freshly read substantive support here. P10 freshly opened S022’s October7 release and S019’s October15 E-SIGN body. Earlier FTC2010/Cornell limits and the reviewed-case/citator limits remain unchanged. No legal premise is taken from unreviewed P06/P08/P09.

I. Atomic claim register

Types: T direct text; H published holding; I reasoned inference; G unresolved gap or factual hold. A verified body is not a complete current-law certificate.

I1. Source chain, workplace, and identity

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
S_AR-P10-C001	Researcher applies 2009 provisions	Act1455 supplies material enacted conduct and old workplace text.	S001 §1/§10; T. Approval not commencement.
C002	Currentness asserted	Selected acts and2025 mirrors do not prove complete2026 chain.	S001–S006; G.
C003	Workplace amendment analyzed	Act990§25 repealed old paragraph3, not workplace language.	S002 printed14/PDF13; T.
C004	Renumbered clause used	Current mirror’s(11) corresponds to retained old(12) after repeal.	S001/S002/S006; T/I; full codification chain partial.
C005	Board interprets chapter/rules	Use federal interpretation to greatest extent possible; rules must be statutorily consistent.	S007(a)–(b),S008§1; T.
C006	Federal incorporation claimed	§512(e) is specified FTC-opinion defense, not wholesale incorporation.	S005(e),S001 pp.11–12; T/I.
C007	Hearing/comment dates reported	Agenda reports Aug18 hearing and Sept7 comment end; proposed status then.	S010 pp.53–54; T as report, not transcript.
C008	Approval stage assessed	Subcommittee report records November17 approval.	S011 item3 pp.1,4; T; not separate Board/Council vote.
C009	Final rule status assessed	Register lists adopted rule and Dec9,2021 effectiveness.	S012 p.4; T.
C010	Filing/current rule certificate claimed	Signed filing, exact stamp and full later amendment comparison remain missing.	S013; G.
C011	CAR timestamp relied on	Generation date does not establish adoption.	S009; T/G.
C012	Agency contemplates workplace contact	Establish home-letter/no-return/no-answer conditions.	§307(11); CAR302(b); T, actual facts held.
C013	Employer prohibition known	Home-letter condition does not itself defeat independent restriction.	S003§504(a)(3); S022(a)(3); T/I; exceptions separate.
C014	Agency attempts collection	Use exact licensed name/trade style under rule.	S009§302(a); T.
C015	Written/telephone/oral communication	Apply reason, creditor, agency, date and individual identity fields.	S009§302(c)(1)–(2); T; LCM applicability held.
C016	Collector calls	Meaningful caller identity has independent state text.	S003§505(b)(6); T.
C017	Business/form identity represented	True-name and false-source/participation provisions remain applicable.	S003§506(a),(b)(9),(14); S005§511; T.
C018	Employee uses alias	Federal consistency/traceability and state alias records are distinct predicates.	S025(f); S009§201(e)(2); T.
C019	Voicemail called LCM	Meet required/permitted contents and neutral business name.	S024(j); T.
C020	LCM satisfies federal definition	Federal noncommunication status does not erase state attempt duties.	S024/S025(e); S009§302(a); T/I.
C021	Known third-party message	Do not assume consumer-LCM predicate.	S024(j) interpretations; T.
C022	Extra content/callback occurs	Reassess communication and initial disclosures.	S025(e), comments18(e)/18(e)(1); T.
C023	State LCM compatibility claimed	Narrow/broad communication constructions remain unresolved.	S003§502; S009§302; S007; I/G.
C024	Collection disclosure translated	Apply same-language/complete-accurate disclosure rules.	S025(e)(4); state content separate; T.

I2. Electronic writing and response integration

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
C025	UETA invoked	Establish covered transaction/record and scope.	S014§§102–103; T, primary chain held.
C026	UETA commencement/version asserted	March19,2001 is displayed codified date; original act unavailable.	S014§104/S017; T/G.
C027	Electronic dealing alleged	Agreement/context required; no universal forced use.	S014§105; T.
C028	Writing or signature required	Electronic recognition applies separately to record and signature.	S014§107; S021§7006; T.
C029	Electronic authorship disputed	Establish act/attribution; identifier alone not conclusive.	S015§109; T/I.
C030	Recipient must retain record	Sender inhibition of print/store is material.	S015§108(a),(c); T.
C031	Other law specifies delivery/format	UETA preserves specified requirements subject to its limits.	S015§108(b); T; E-SIGN also applies.
C032	Parties vary ordinary-mail method	Variation only to extent other law permits.	S015§108(d)(2); T.
C033	Electronic record sent	Establish proper system, processability and control transition.	S016§115(a); T.
C034	Electronic receipt/acknowledgment	Human awareness unnecessary on stated predicates; acknowledgment not content identity.	S016§115(b),(e)–(f); T.
C035	Known nondelivery	Other applicable law governs effect; presumption not conclusive cure.	S016§115(g); S029 interpretations; T.
C036	Record retained	Preserve accurate accessible record, not merely assumed access.	S016§112; S019(d); T.
C037	Electronic writing challenged	Barwick recognizes UETA writing on its undisputed record.	S018 pp.6–7; H.
C038	Barwick extended to mailing	Opinion does not decide debt-validation postal method or federal consent.	S018; G.
C039	E-SIGN invoked	Interstate/foreign transaction and record predicates apply.	S019(a); T.
C040	Collector uses qualifying e-disclosure	Establish §7001(c)(1) consent/access/scope/withdrawal conditions.	S019(c)(1); T.
C041	Consumer used an electronic channel	That alone does not force electronic acceptance or establish all response consent.	S019(b),(c); S014§105; T/I.
C042	Timing/content/receipt method altered	§7001(c)(2) preserves content/timing; special acknowledgment rule has its own predicates.	S019(c)(2); T.
C043	State nonelectronic method asserted	§7002(c) bars circumvention through UETA8(b)(2).	S020(a),(c); T; particular preemption held.
C044	E-SIGN exception alleged	Establish actual §7003 category; ordinary notice not automatically excluded.	S021§7003; T/I.
C045	Covered state initial contact	Written §508 notice route applies.	S001/S004(a); T.
C046	State period measured	Receipt-based text; federal assumed-receipt option not silently imported.	S004(a); S026(b)(5); T/I.
C047	Consumer uses accepted electronic channel	Federal writing requirement can be satisfied.	S028 comments38-1/2; T official interpretation.
C048	Consumer electronic writing received	Do not equate it with §7001(c) consent for collector response.	S028/S019/S029; T/I.
C049	State writing via UETA asserted	Plausible conditional route, not all-facts adjudication.	S014–S018; I/G.
C050	State mailing replaced electronically	Specific UETA/E-SIGN/state construction still required.	S004(b),S015,S019–S020; G.
C051	Timely dispute and separate creditor request received	Track both response obligations.	S004(b); S023§1692g(b); S028(c),(d); T.
C052	Verification exists internally	Internal confirmation alone does not end response duty; no universal response deadline invented.	S004(b),S028; T/I.
C053	Response properly mailed/sent	Apply actual statutory/rule event, not an invented universal receipt-wait.	S004(b),S028–S029; T, delivery facts held.
C054	Original=current	Federal same-creditor determination/notice/reference route exists.	S028(c)(2); T; state integration held.
C055	Repeat dispute submitted	Require qualifying earlier response, substantial sameness and no new material information.	S028(a)(1),(d)(2)(ii); T.
C056	Duplicate notice electronic	Specific cross-reference is42(a)(1), not an express listing in42(b).	S028(d)(2)(ii)(A),S029(b); T.
C057	Federal shortcut asserted under state law	No express matching state shortcut or controlling incorporation obtained.	S004,S007,S020,S030; G.
C058	Address opted out or delivery fails	Do not treat that send as automatically compliant.	S029(a)(1), relevant interpretations; T.
C059	Collector sends specified e-response	Apply42(b)’s actual listed disclosures and E-SIGN.	S029(b); T.
C060	State/federal protection compared	Greater-protection and E-SIGN questions need specific analysis.	S023§1692n,S030,S020; T/G.

I3. Model notice and remaining limits

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
C061	Model B-1 compared	Actual generic fields/image read; no actual specimen approved.	S027; T/G.
C062	Safe harbor claimed	Limited information/form and related overshadowing scope.	S026(d)(2); S028(b)(2); T.
C063	Date added	Generated-date addition permitted; not necessarily communication date.	S026 comment34(d)(2)(iii)-1.iv; S009; T/I.
C064	Identity fields populated	Correct field placement does not establish true/licensed identity.	S027,S003,S009; I/G.
C065	Required state text added	Apply reverse-side/reference/prominence/no-coupon-reverse conditions.	S026(d)(2)–(3)(iv)(A); T.
C066	Separate insert used	Express exceptions are limited; separate-page disclosures lack that safe harbor.	S026(d)(2)(ii); T. No per se violation inferred.
C067	Email-body layout used	Applicable-law text may appear below with the required reference arrangement.	S026 comment34(d)(3)(iv)(A)-1; T.
C068	Electronic enhancements/examples used	Permitted layout or example phrasing is not consent or mandatory exact script.	S026(d)(2)–(4); S029; T/I.
C069	Translated notice/Spanish offer used	Apply complete/accurate, English-version and request conditions independently of §18 language duty.	S026(e); S025(e)(4); T.
C070	Deceptive form cloaked in model layout	State false-identity/source/participation restrictions remain.	S003§506,S005§511; T/I.
C071	Actual form eligibility asserted	No actual notice, script or translation supplied/approved.	S027 and scope; G.
C072	Source currency asserted	Displayed releases and selected acts are not all-later-law proof.	Register; G.
C073	Controlling construction claimed	No direct Arkansas LCM/mail/shortcut holding obtained; no complete citator.	Bounded search/S018; G.
C074	Example outcome generalized	Actual actor, employer, debt, consent, identity and receipt facts remain unknown.	Scope; G.
C075	Example dates used	Nonboundary fictional chronology, not live deadline calculation.	Models A–D; I/G.
C076	Report used beyond scope	No ledger, payment, permission, or deferred-family acceptance follows.	Scope restriction; G.

J. Coverage, holds, and exact old-to-new crosswalk

J1. The eight authorized remaining rows

These are the coverage rows. The separate crosswalk below is not additional accepted coverage.

Old P07 row	Portion advanced or resolved	Remaining status and exact next evidence	P10 claims
K09 — Workplace	Act990 repeal/renumbering body obtained; current statutory/rule wording compared with federal employer restriction.	Partial. Actual home-letter, return, answer, employer knowledge, consent/court-order facts absent; complete current amendment/commencement chain held.	C003–C004, C012–C013
K16 — Limited-content voicemail	State attempt/communication, true-name, alias and federal LCM clauses mapped.	Construction held. Obtain responsive published Arkansas majority or final Board interpretation of CAR302/§505 with LCM; actual name/script facts absent.	C014–C024, C073
K22 — Model-form safe harbor	Actual B-1 image and operative safe-harbor/layout/translation provisions compared.	Generic comparison completed; actual form held. Need actual specimen, facts, delivery method and state interpretation.	C061–C069, C071
K28 — Deceptive forms/disclosures	Relevant state false-source, true-name, third-party-participation and federal language clauses read.	Partial. Actual document, representations, language, employee identity and legal sufficiency absent.	C016–C018, C024, C070
Q01 — Arkansas consumer-conduct Code	Official Act1455 material bodies freshly read and compared with2025 §§502–508/511/512.	Currentness held. Readable official integrated current sections or complete later enactment/codification chain; exact commencement.	C001–C002, C005–C006, C072
Q02 — Workplace amendment	Official Act990§25 obtained; current(11)/old(12) explanation supported.	Body gap closed; currency/application partial. Exact effective/transition record and later-law chain remain.	C003–C004
Q03 — Rule adoption/filing	Agenda, subcommittee approval and official adopted-rule/effective-date Register entry obtained.	Final-status/effective-listing gap closed. Signed Board adoption, filing timestamp, complete final attachment and later comparison still needed.	C007–C011
Q07 — Electronic state integration	Material UETA, E-SIGN, current federal response rules and Barwick examined.	Partial. Original Act905/current chain and direct §508 postal/shortcut construction remain held.	C025–C060

J2. Additional issue-specific holds — 10 rows

Hold ID	Issue	Exact missing fact or authority
H01	Actual statutory actors	Consumer/debt/collector/agency coverage, transaction purpose and territorial facts.
H02	Business and individual identity	Actual licensed trade style, true business name, alias consistency and traceability—no status query performed.
H03	Workplace predicate	Actual home-letter delivery/return/answer and employer prohibition/knowledge/exception facts.
H04	UETA agreement and attribution	Actual agreement/context, accepted channel, authorship and transaction applicability.
H05	E-SIGN disclosure consent	Scope, nonwithdrawal, access demonstration, hardware/software change and record availability.
H06	Sending, receipt and content	Correct system/address, processability, actual contents, acknowledgments, bounce and retention evidence.
H07	State postal-method integration	Direct construction reconciling §508, UETA108, E-SIGN7001–7002 and §203(b).
H08	Same-creditor/duplicate alternatives	Controlling state application; actual prior verification, new material information and creditor identities.
H09	Final rule and later-law history	Signed adoption/filing record, final attachment comparison, later amendments and complete citator.
H10	Local/tribal/interstate/foreign-country law	Particular jurisdiction and source; no statewide local-practice or international permission inferred.

J3. Operational-model coverage — 4 rows

Model	Completed analytical work	Remaining evidence
A	Separate dispute/request, internal knowledge, mailing and later receipt tracked.	Actual timeliness, contents, proper address and response adequacy.
B	Consumer writing, collector consent, retention, opt-out, failure and state mailing independently varied.	Actual records and state integration authority.
C	Business neutrality, licensed identity, employee alias, LCM content and workplace conditions separated.	Actual identity/script and controlling Arkansas compatibility ruling.
D	Duplicate/new-material/same-creditor branches and layout alternatives distinguished.	Actual prior response, new evidence, creditor identity and final specimen comparison.

J4. Deferred families — 7 rows

Deferred ID	Family	Remaining scope
D01	Credentials, fees and security	No P06 licensing or bond findings adopted.
D02	CSO/CROA/provider contracts	No P08 findings adopted.
D03	Court entry, service, default and relief	No P09 clocks or holdings imported.
D04	Limitations, renewal and enforcement	No underlying or judgment-clock determination.
D05	Bank, earnings and property	No garnishment, tracing or exemption report repeated.
D06	Full communications, reporting and remedies	P07 broad report not rerun; full TCPA/FCRA/privacy/damages work remains separate.
D07	Full Arkansas/parent acceptance	Local, tribal, country, sector and all broader dimensions remain open.

J5. Separate old-to-new crosswalk — 8 rows

Old row and old P07 claim references	New P10 work	No implied expansion
K09; C020–C021	Amendment/workplace matrix; C003–C004, C012–C013	Not the full workplace-contact report or actual permission.
K16; C038–C039	Identity/LCM matrix; C014–C024	Not a state-approved LCM name or script.
K22; C058	Actual model comparison; C061–C069, C071	Not approval of an actual template.
K28; C088–C089	Deceptive-form and language comparison; C016–C018, C024, C070	No actual document or translation adjudicated.
Q01	Act1455 and material code comparison; C001–C002, C005–C006	No complete current-code certificate.
Q02	Act990§25 and numbering; C003–C004	No fabricated commencement or full later-law proof.
Q03	Approval/Register reconstruction; C007–C011	No claim that the signed final filing was obtained.
Q07	UETA/E-SIGN/Barwick/response analysis; C025–C060	No universal electronic substitution or federal incorporation.

K. Researcher self-check

Body-access gaps closed or materially advanced: Act990§25; official subcommittee approval report; official adopted-rule/effective-date Register entry; fresh official §1692c access through the October7 release; UETA provision bodies; Barwick; and actual Model B-1 visual comparison.

Still open: complete current official Arkansas Code authentication; Act905’s primary body; exact commencement/transition for the selected older enactments; signed rule filing/adoption packet; complete later-law and citator history; direct Arkansas LCM/§508 electronic-mail/shortcut construction; and every actual identity, employer, consent, record, receipt, contract and jurisdictional fact.

The source hierarchy remains explicit: a final Register entry is stronger than a proposal agenda; an official posted compilation is not its adoption record; a 2025 mirror is not official October2026 authentication; and a federal option is not automatically an Arkansas implementation decision.

Counts: 31 source/access/provenance groups; 76 atomic claims; 1 newly examined published Arkansas majority; 4 operational models; 8 additional fictional postures; 8 authorized-row coverage entries; 10 additional holds; 4 model-coverage rows; 7 deferred-family rows; and 8 separate crosswalk rows. Matrix and crosswalk rows are not additional independently accepted coverage.

No independent review, local write, unseen model setting, actual consumer/provider permission, approved form/script, filing, publication, or state/parent/A066/A097/A098 acceptance is claimed.

END S_AR PASS-10

Every captured table

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.

How to read the research →

Read the related correction supplements

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 →

Captured table 01

Authority/event · What the actual source establishes · What it does not establish · 10 data rows

Authority/event	What the actual source establishes	What it does not establish	Claims
Act 1455 of 2009, § 1	Enacted the material consumer-conduct definitions and §§ 503–508, 511, and 512 language examined here. Relevant pages were freshly read and visually inspected.	Complete October 2026 nonsupersession; exact commencement from approval alone.	C001–C002
Act 1455 § 10	Workplace language appeared as former § 307(12): good-faith home-letter conditions precede the addressed workplace letter/call.	That satisfying this condition overrides an employer prohibition or another contact restriction.	C001, C012–C013
Act 990 of 2019, § 25	Repealed former § 307(3), concerning conviction of a crime involving moral turpitude. Approval appears as April 15, 2019.	A rewrite or repeal of the workplace language; exact commencement or every transition consequence.	C003
Current displayed § 307	The retained workplace language is numbered (11); its history cites Act 990 § 25.	Official integrated October 2026 authentication. The page is a 2025 secondary reproduction.	C004
Act 288 of 1995, § 1	Enacted the federal-interpretation instruction and statutory-consistency limitation in the predecessor § 17-21-203. Approved February 13, 1995.	Complete recodification/terminology chain to present § 17-24-203.	C005
November 17, 2021 summary agenda	Reports an August 18 hearing, September 7 comment deadline, no comments, and proposed effectiveness pending legislative review and approval.	It is not itself the Board’s final adoption vote or filing certificate.	C007
November 19, 2021 subcommittee report	States the subcommittee met November 17 and reviewed and approved the listed rules, including the Board’s revised 2021 rules.	A separately verified full-Council vote, Board adoption date, or Secretary of State filing timestamp.	C008
December 2021 Arkansas Register	Under adopted rules, identifies docket 235.15.21-001F and December 9, 2021 effectiveness.	The complete signed final filing packet or proof that every later amendment is absent.	C009–C010
Current official CAR Part 280	The posted operative compilation contains §§ 280-302(a)–(d) and the relevant alias-record provision.	Its March 22, 2026 PDF-generation timestamp is not an adoption or amendment date.	C011
2025 Code reproductions	The material text and history notes can be compared with the selected enactments.	A publisher’s “2025” label and a history note are not complete current primary authentication.	C002, C072

Captured table 02

Provision · Material function in this pass · Primary support and remaining limit · 9 data rows

Provision	Material function in this pass	Primary support and remaining limit
§ 17-24-502	Communication, consumer, debt, and collector predicates needed to distinguish attempted contact from communication.	Act 1455 § 1 plus 2025 reproduction. Actual coverage facts and later-law chain remain open.
§ 503	Location-information exception relevant to identity provisions.	Enacted body and reproduction read; no broader location-contact report repeated.
§ 504	Employer prohibition and the consent/court-permission framework.	Enacted body and reproduction read. Actual employer knowledge and exceptions not established.
§ 505(b)(6)	Meaningful caller identification, subject to its location-information exception.	Same source limits; no LCM-specific Arkansas construction found.
§ 506	True business name, collector disclosures, false legal/government appearance.	Material clauses (9), (11), and (14), together with the general prohibition, read.
§ 507(b)(8)	Envelope-name limitation.	Read only to distinguish envelope treatment from required identity inside a communication.
§ 508(a)–(c)	Written validation notice, receipt-based period, written dispute/request, mailed response, nonadmission.	Enacted text and 2025 reproduction match in the material clauses. Electronic and shortcut integration remains unresolved.
§ 511	Knowing creation/furnishing of deceptive forms implying false third-party collection participation.	Enacted text and reproduction read. It is not a model-form exemption.
§ 512(e)	Specified FTC advisory-opinion good-faith defense.	Read; no subsection (f) or universal federal-incorporation rule invented.

Captured table 03

Issue · Arkansas text · Federal text · 10 data rows

Issue	Arkansas text	Federal text	Result and unresolved construction
Workplace prerequisite	§ 307(11) and CAR 280-302(b) require the stated good-faith letter to the usual abode, mail not returned, and no answer before the addressed workplace contact.	§ 1692c(a)(3) separately addresses known or reasonably known employer prohibition, within subsection (a)’s exception structure.	The state home-letter condition does not itself defeat the federal restriction. No waiting period beyond the text is invented. C012–C013.
Business name on an attempt	CAR 280-302(a) requires the name or trade style exactly as on the license when attempting collection.	§ 1006.2(j) requires a business name that does not indicate debt collection for an LCM.	A neutral name must independently satisfy the state identity requirement; federal neutrality does not authorize an unlicensed or false business identity. C014, C019–C020.
Contents of a communication	CAR 280-302(c) specifies collection reason, creditor name, licensed agency name, written-communication date, and oral individual identity.	A qualifying LCM contains only required and permitted optional content and is not a federal communication.	Whether Arkansas’s rule uses “communication” in a way excluding an LCM remains unresolved. Its separate “attempt” provision still matters. C015, C023.
Meaningful caller identity	§ 505(b)(6) requires meaningful identity, subject to the specified exception.	Federal LCM and employee-name rules address different elements.	No controlling Arkansas holding was found declaring every federally qualifying LCM sufficient under this clause. C016.
True business name	§ 506(b)(14) prohibits another business/company/organization name than the true name.	§ 1006.18(c)(4) has a corresponding true-name restriction.	A qualifying trade style and the actual legal/operational identity must be established. A hypothetical label proves neither. C017.
Employee assumed name	CAR 280-201(e)(2) requires the stated office/employee alias records and retention.	§ 1006.18(f) permits a consistently used employee assumed name when the collector can readily identify the employee.	This concerns a person’s alias, not permission to invent an alternate collection-company name. C018.
Extra voicemail content	State content and deception rules still apply.	Debt information beyond permitted LCM content may make the voicemail a communication requiring disclosures.	Adding creditor or collection-purpose information can destroy the relied-on federal LCM classification. C022–C024.
Known third-party destination	Third-party and identity restrictions remain applicable.	A message knowingly directed to a third party is not a qualifying consumer LCM merely because it is short.	No contact permission is inferred. C021.
Callback	Actual oral-communication duties must be considered.	A consumer’s callback can become the initial communication requiring the collection disclosure.	The voicemail classification does not exempt the subsequent conversation. C022.
Deceptive document or form	§§ 506 and 511 address false source, legal status, business identity, and fictitious collection participation.	Federal model-form use does not validate false factual content.	Neither a model layout nor an alias policy cures deception. C017, C070.

Captured table 04

Step or concept · Arkansas UETA provision read · Necessary federal provision · 13 data rows

Step or concept	Arkansas UETA provision read	Necessary federal provision	Supported conclusion
Scope	§§ 25-32-102–103 define transaction, record, signature, and covered electronic activity.	§ 7001(a) concerns transactions in or affecting interstate or foreign commerce.	Do not assume every message automatically satisfies every transaction predicate. C025, C039.
Agreement to use electronic means	§ 105 looks to agreement, context, and conduct; it does not force electronic use or waive refusal for future transactions.	§ 7001(b)(2) likewise does not generally force acceptance.	Consent to one use is not unlimited consent to every later disclosure or channel. C027, C041.
Writing	§ 107(c) allows an electronic record to satisfy a writing requirement.	§ 7001(a) prevents denial solely because of electronic form.	A record can be “in writing” without resolving whether it was sent by the required method. C028, C039.
Signature	§§ 102 and 107(d) require the relevant intent/association for an electronic signature.	§ 7006 separately defines electronic signature.	A writing requirement is not automatically a signature requirement. C028.
Attribution	§ 109 asks whether the record/signature was the person’s act, with context and security procedures relevant.	Electronic form does not remove authenticity questions.	A displayed name or account login is not conclusive attribution. C029.
Recipient retention	§ 108(a), (c) addresses ability to retain, print, and store at receipt.	§ 7001(d) and § 1006.42(a)(1) require applicable accessibility/retention.	A transient or disabled-download display can fail a separate requirement even if it is electronically visible. C030, C036.
Specified delivery method	§ 108(b)(2) preserves another law’s specified method, subject to subsection (d)(2).	§ 7002(c) prohibits circumvention through UETA § 8(b)(2).	Neither provision can be ignored. A specific state-mailing/preemption analysis remains necessary. C031–C032, C043.
Limited variation of ordinary mail	§ 108(d)(2) allows agreement to vary specified ordinary-mail methods only to the extent other law permits.	E-SIGN separately governs qualifying consumer electronic disclosures.	A general online-account agreement is not automatically a valid waiver of every mailing requirement. C032, C040.
Sending	§ 115(a) requires proper direction to an appropriate processable/retrievable system and departure from sender control or entry into the specified recipient-controlled area.	Regulation F has its own delivery requirements.	Pressing “send” alone does not establish all predicates. C033.
Receipt	§ 115(b), (e) permits qualifying system receipt without individual awareness.	A collection pause’s trigger must still be applied to the legally relevant receipt.	“Not opened by an employee” is not necessarily “not received.” C034.
Automatic acknowledgment	§ 115(f) proves a record was received, not necessarily that received contents match sent contents.	Required substantive content still matters.	A delivery receipt is not a content or legal-sufficiency certificate. C034.
Known failure	§ 115(g) sends the effect of known nonreceipt/nonsending to other applicable law.	§ 1006.42 does not permit known failed delivery to be treated as adequate notice.	A contrary presumption or routine system entry does not erase known failure. C035, C058.
Retention	§ 112 requires accurate, accessible preservation and retains specified exceptions.	§ 7001(d) has parallel retention requirements.	Storage of a link alone may not establish preservation of the actual required record. C036.

Captured table 05

Event · Arkansas text · Federal text/interpretation · 11 data rows

Event	Arkansas text	Federal text/interpretation	Result
Initial notice	§ 508(a) requires written notice initially or within five days unless paid.	Federal initial/follow-up routes are not identical in every respect.	No wholesale federal substitute is assumed. C045.
Consumer’s period	State text refers to thirty days after receipt.	Regulation F has its defined validation period and permitted receipt assumption.	The federal assumption is not silently inserted into state text. C046.
Consumer electronic dispute/request	State text says “in writing.”	Official § 1006.38 interpretation accepts an electronic medium through which the collector accepts consumer communications.	Federal writing can be satisfied; state UETA application is a strong but conditional route, not an automatic all-facts conclusion. C047–C049.
Consumer signature	§ 508’s dispute/request language does not itself impose a signed-original requirement.	Accepted electronic writing is not conditioned on an invented notarized or ink-signed original.	Attribution and actual contents remain relevant. C028–C029, C047.
Pause	Timely written dispute/request triggers the stated cessation rule.	Receipt of the qualifying timely submission triggers the corresponding federal pause.	A dispute and a separate original-creditor request require separate response analysis. C051.
Internal verification	State requires obtaining and mailing the relevant response.	Federal rule requires sending the applicable response through § 1006.42.	Internal confirmation alone does not end the pause. C052–C053.
Collector electronic verification	State says the response is mailed.	§ 1006.38(d)(2)(i), read with § 42(b), provides the qualified electronic route.	Federal compliance does not by itself settle the state mailing issue. C050, C059.
Original creditor equals current creditor	State notice clause (a)(5) uses “if different”; subsection (b) has its own mailing language.	§ 38(c)(2) permits reasonable same-creditor determination, notification, and reference to prior validation information.	The state “if different” clause is relevant, but no controlling state adoption of the federal shortcut was found. C054, C057.
Repeat dispute	State § 508 has no express duplicative-dispute procedure matching the federal rule.	§ 38(a)(1), (d)(2)(ii) permits the stated route only after qualifying earlier verification and no new material information.	Do not call every repeated communication duplicative. State shortcut compatibility remains held. C055–C057.
Duplicate-dispute notice electronically	No express state counterpart verified.	§ 38(d)(2)(ii)(A) specifically invokes § 42(a)(1); § 42(b)’s listed E-SIGN disclosures do not expressly include that paragraph.	Do not inaccurately say § 42(b) names every electronic required notice. Other applicable law still matters. C056.
Nondelivery or opt-out	State receipt/mailing questions remain factual and legal.	Known bounce, inaccessible record, or use of an opted-out destination can defeat the relied-on federal response path.	No pause-ending conclusion from “sent” status alone. C035, C058–C059.

Captured table 06

Model feature actually observed · Arkansas requirement or issue · Comparison result · 9 data rows

Model feature actually observed	Arkansas requirement or issue	Comparison result
Collector name and address	CAR 280-302 licensed/trade-style name; § 506 true-business-name requirement.	A compatible field exists. Actual identity accuracy remains unverified.
Collection-purpose/use-of-information statement	§ 506(b)(11) and CAR 280-302(c)’s reason requirement.	The model provides relevant content; that does not validate the actual transaction or every state interpretation.
Current creditor and account information	§ 508(a)(2) and CAR 280-302(c).	A compatible place exists. Creditor identity and the underlying facts still require proof.
Itemization date and response deadline	State rule requires the date of a written communication.	Neither date necessarily is the communication date. The model image did not display a separate generated/communication date.
Permitted generated-date addition	Official interpretation to § 34(d)(2)(iii) expressly permits adding the date generated.	This is a potential compatibility tool, but generation and communication dates must not be falsely equated.
Original-creditor request prompt	§ 508(a)(5) and (b).	Prompt compatibility does not resolve same-creditor response sufficiency.
Reference to reverse-side information above the response area	§ 34(d)(3)(iv)(A).	Applicable state additions may use that route if all placement and prominence requirements are met.
Consumer-response coupon	Federal response information and reverse-side restriction.	State additions must not be placed directly behind that response information under the safe-harbor option.
Optional Spanish-request language	Federal § 34(d)(3)(vi), (e).	Optional offer is not a universal state translation mandate; making the offer creates the stated response obligation.

Captured table 07

Proposed approach · Federal scope actually established · State/remaining limitation · 8 data rows

Proposed approach	Federal scope actually established	State/remaining limitation
Use Model B-1 as prescribed	Safe harbor for specified § 34 information/form requirements and the related § 38(b) provision.	Not a shield for false identity, inaccurate facts, unauthorized collection, state workplace contact, or failed delivery.
Substantially similar form	Substance, clarity, and meaningful sequence must remain substantially similar.	“Looks generally similar” is not a legal determination.
Add specifically required state text	Reverse-side option, front reference, no placement directly behind response information, and applicable prominence conditions.	Do not use this to remove federally required core information from its required presentation.
Put itemization or qualifying mortgage information on separate page	Expressly addressed exceptions; reference required.	Safe harbor does not extend to the separate-page disclosures themselves. Full mortgage application is deferred.
Put arbitrary additional state text on a separate insert	No general express separate-page safe harbor merely because the insert is labeled state-required.	A substantially-similar analysis may still be relevant. Loss of safe harbor is not automatically a violation.
Put notice in email body	Applicable-law additions may appear below the notice in the same communication with an appropriate reference.	It is not permission to use an inaccessible attachment or ignore electronic-delivery requirements.
Add hyperlinks or electronic response functions	The rule permits specified electronic adaptations.	Layout permission is not E-SIGN consent or actual delivery.
Translate validation information	Apply § 34(e)’s complete/accurate translation and English-version conditions.	Initial/subsequent collection disclosures independently must match the language or languages used under § 18(e)(4).

Captured table 08

Date/event · Evidence stipulated · Trigger and clock · 9 data rows

Date/event	Evidence stipulated	Trigger and clock	Pause/result/remaining hold
Oct. 7: notice received	Actual paper receipt	State receipt-based period; federal actual-receipt path assumed.	No endpoint calculation needed.
Oct. 12: consumer mails written dispute	Copy and mailing evidence	Five elapsed calendar days after receipt.	Submission is comfortably nonboundary; receipt follows.
Oct. 14: collector receives dispute	Delivery and contents established	Seven elapsed days after notice receipt.	Applicable dispute pause begins. C051.
Oct. 15: consumer separately mails original-creditor request	Separate written request	Eight elapsed days after notice receipt.	Distinct requested response.
Oct. 16: collector receives request	Delivery and contents established	Nine elapsed days after notice receipt.	Original-creditor pause also applies. C051.
Oct. 19: sufficient verification mailed, but no original-creditor information	Proper paper dispatch and assumed sufficient verification	Verification branch potentially satisfied.	Original-creditor request remains unresolved; no overall resumption conclusion.
Oct. 20: collector learns original name/address internally	Internal record only	No external response event	Internal knowledge does not complete the response. C052.
Oct. 22: correct original name/address properly mailed	Actual contents and dispatch assumed	Applicable paper response event	Both illustrated response requirements are potentially satisfied; other restrictions and actual adequacy remain separate.
Oct. 26: consumer receives the second response	Actual receipt	Not substituted for the statutory mailing/sending trigger	No blanket permission to contact follows. C053, C074.

Captured table 09

Variant/event · Independent facts · Federal consequence · 7 data rows

Variant/event	Independent facts	Federal consequence	State integration/hold
Portal receives dispute; employee does not read it until Oct. 12	System receipt and contents are provable	Accepted electronic writing can trigger the federal pause upon receipt.	UETA system-receipt provisions are relevant; agreement, transaction and other-law predicates must still be established.
Collector replies by email on Oct. 14; consumer never gave required disclosure consent	Incoming portal use only	Incoming writing does not supply § 42(b)/E-SIGN consent.	No state-mailing equivalence is established either.
Consumer gave valid relevant consent; response cannot be printed, stored, or later accessed	Consent exists; retention fails	Consent alone does not cure delivery/retention defect.	UETA § 108 supplies an additional relevant retention issue.
Consent and file access exist, but consumer opted out of that address	Opt-out known before response	Do not treat delivery to that address as automatically compliant.	State consequences also remain factual and legal.
Consent and file access exist, but message bounces	Known nondelivery	A routine “sent” status does not complete the required response.	UETA § 115(g) directs attention to actual failure and other law.
All federal consent, access, address and sending predicates are met	No bounce; appropriate format	Federal electronic response can satisfy its specified route.	§ 508’s state mailing/UETA/E-SIGN integration remains unresolved; no automatic state conclusion.
Proper paper response is later mailed on Oct. 20	Adequate content, proper address and dispatch stipulated	May satisfy the paper response route.	Textual state mailing route is addressed, but actual adequacy and other restrictions remain held.

Captured table 10

Step · Fictional predicate · Federal branch · 8 data rows

Step	Fictional predicate	Federal branch	Arkansas branch/hold
Business identity	“Name A” is neutral and is stipulated to be the exact licensed trade style and true business identity.	Potentially satisfies the LCM neutral-business-name element.	Addresses the assumed identity fact; no actual license/name checked.
Individual identity	Employee uses “Alias B” consistently; agency can readily trace it and keeps the required alias records.	Potentially satisfies § 18(f).	Alias record duty addressed on assumptions; does not authorize a different business name.
Message content	Only required/permitted LCM categories are used.	Potential LCM, not a federal communication.	CAR § 302(a)’s attempt rule still applies; § 302(c)/§ 505 integration remains held.
Alternative: actual licensed name indicates debt collection	Neutral-name element fails if that name is used.	Cannot simply label the message an LCM.	Substituting an unapproved neutral identity is not presumed lawful.
Alternative: creditor/collection-purpose content added	Message conveys debt information.	Reassess as a communication, including required disclosures.	May address state content, but no third-party/contact permission is established.
Home-letter prerequisite	Proper usual-abode letter sent; not returned; no answer, all stipulated.	Does not decide employer prohibition.	Addresses only the stated prerequisite; no unexpressed waiting period or overall permission inferred.
Adverse home-letter branch	Letter returned, or consumer answered it	Different predicate set	Do not treat the listed no-return/no-answer condition as established.
Employer prohibition known	No direct consent or court authorization is assumed	Independent workplace restriction remains.	Home-letter facts do not overcome it.

Captured table 11

Date/event · Stipulated evidence · Federal result · 6 data rows

Date/event	Stipulated evidence	Federal result	State hold
Oct. 5–6: written dispute sent/received	Timely writing	Pause triggered.	State writing/receipt satisfied on paper assumptions.
Oct. 9: sufficient verification properly mailed	Required prior response completed	Establishes a necessary predicate for any later duplicate analysis.	Actual adequacy remains an assumption.
Oct. 12–13: substantially same dispute sent/received, no new material information	Exact comparison documented	Collector may reasonably consider the duplicative route, but must take the required response step.	No express matching state shortcut was established.
Oct. 14: reasoned duplicate notice sent with prior-response reference	Content and delivery stipulated	Potential federal § 38(d)(2)(ii)(A) satisfaction. Its cross-reference is § 42(a)(1).	Do not declare the state pause ended solely because federal duplicate procedure was used.
Oct. 16: consumer supplies new, material identity evidence	Evidence could change verification	Not a duplicate on the stated facts; reassess and pause/respond accordingly.	State response analysis remains independent.
Oct. 19: original-creditor request received	Timely writing; original actually equals current	Federal § 38(c)(2) requires reasonable determination, notice, and reference to prior validation.	State (a)(5)’s “if different” and (b)’s mailing text require harmonization; no silent import.

Captured table 12

Proposed modification · What can be established · What remains unapproved · 5 data rows

Proposed modification	What can be established	What remains unapproved
Add a truthful generated date	Expressly identified federal permissible change	Whether it accurately serves as the state communication date.
Add required state text on reverse, with front reference, away from response-coupon reverse	Expressly addressed federal placement option	Actual prominence, substance and state sufficiency.
Put all extra state text on an arbitrary separate sheet	Not automatically within an express general separate-page exception	Substantial similarity and independent compliance must be evaluated.
Use an email-body notice with state material below it	Federal interpretation permits this described layout	E-SIGN, actual delivery, access and state-method equivalence.
Provide translated validation text	Must satisfy the applicable English-version and complete/accurate translation conditions	Actual translation quality and same-language collection disclosures.

Captured table 13

Posture · Fictional facts · Result and outstanding issue · 8 data rows

Posture	Fictional facts	Result and outstanding issue
P01 — Unaccepted inbox	Consumer writes to an address the collector does not accept for consumer communications.	Do not automatically apply the accepted-channel federal interpretation; actual acceptance and receipt remain necessary.
P02 — Record without signature	An attributable typed dispute contains no signature image.	A writing requirement is not automatically an ink-signature requirement; attribution and actual content remain material.
P03 — Shared alias	Several employees rotate the same alias and the collector cannot identify who used it.	Federal traceability predicate is not established; state alias records do not cure an untraceable operation merely by listing the name.
P04 — Known third-party voicemail	Message is intentionally left for a coworker rather than the consumer.	The LCM label does not supply the consumer-directed predicate or third-party permission.
P05 — Date mismatch	Form generated Monday, communicated Thursday, and only Monday’s date appears.	Permitted generated-date addition does not prove the state communication-date requirement is accurately met.
P06 — Inaccessible attachment	Email reaches the right address, but its required attachment cannot be opened or retained.	Delivery of the envelope is not necessarily delivery of an accessible required record.
P07 — Spanish-request offer	Collector includes the optional Spanish-request offer and the consumer invokes it.	The resulting federal obligation must be performed; no assumption that an English-only response satisfies the offered route.
P08 — Cross-border recipient	Consumer is outside Arkansas and outside the United States when messages are sent.	Country, state, territorial, consent and delivery law require separate analysis; this pass does not globalize Arkansas or federal conclusions.

Captured table 14

Source ID · Issuer/title/direct HTTPS URL · Actual scope, dates, support, and limits · 13 data rows

Source ID	Issuer/title/direct HTTPS URL	Actual scope, dates, support, and limits
S_AR-P10-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: material § 1 definitions/conduct/§§508,511,512 and §10 workplace text. Printed1–12/PDF0–11 and16–17/PDF15–16 materially read; relevant images inspected. Approved April 10, 2009. Exact commencement and full later chain held.
S_AR-P10-S002	Act 990 of 2019. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=990.pdf&path=%2FACTS%2F2019R%2FPublic%2F	P: §25, printed14/PDF13; approval printed66/PDF65, images read. Approved April 15, 2019. Selected other end provisions only; entire66-page act not claimed read. First route failed: https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT990.pdf . Alternate succeeded.
S_AR-P10-S003	2025 reproductions, §§17-24-502–507: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/	M: material definitions, location exception, workplace/third-party predicates, meaningful identification, true name, disclosures and envelope rule. Compared with S001. Not official current codification.
S_AR-P10-S004	§17-24-508. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/	M,2025: complete (a)–(c), history note. S001 provides selected enacted text.
S_AR-P10-S005	§§17-24-511,512. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/	M,2025: §511 operative body and §512(e) advisory-opinion clause. Remedy amounts and limitation periods not reanalyzed.
S_AR-P10-S006	§17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/	M,2025: material (7), (11), structure and history. Current workplace numbering compared with S001/S002.
S_AR-P10-S007	§17-24-203. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/	M,2025: complete (a)–(b). History includes Act288/1995 and Act315/2019§1376; latter body not reconstructed.
S_AR-P10-S008	Act 288 of 1995. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1995%2FR&file=288.pdf&path=%2FACTS%2F1995%2FPublic%2F	P: §1 printed1/PDF0; approval printed2/PDF1 text read. Approved February13,1995. Screenshot requests timed out; no successful image read claimed for this act. Exact commencement/recodification chain held.
S_AR-P10-S009	Official 17 CAR Part280. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf	P: §280-302(a)–(d), printed10–11/PDF9–10, and §201(e)(2), printed6/PDF5, text/images. PDF generated March22,2026, not adopted then. Official part index also read: https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID=&subChapterID=221&subPartID=&titleID=17 .
S_AR-P10-S010	ALC Rules Subcommittee November17,2021 summary agenda. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FA.+Summary+Agenda.pdf	P/G: Board item printed53–54/PDF52–53, text/images. Reports hearing/comment history and proposed status. Not final filing certificate.
S_AR-P10-S011	ALC Rules Subcommittee November19,2021 report. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F000%2F4868%2FExhibit+F.01+-+ALC+Rules+Subcommmittee+Report+Nov+2021.pdf	P: printed1 and4/PDF0 and3, images; item3 approval category and Board rule entry. Reports November17 subcommittee action. Not Board adoption minutes or separately verified Council vote.
S_AR-P10-S012	Arkansas Secretary of State, December2021 Arkansas Register. https://www.sos.arkansas.gov/uploads/December_Monthly.pdf ; archive https://www.sos.arkansas.gov/rules-regulations/arkansas-register	P/G: printed4/PDF3, image under adopted rules: docket235.15.21-001F, effective December9,2021. Archive page establishes official publication context. Signed filing packet not obtained.
S_AR-P10-S013	Adoption/access failures: https://www.labor.arkansas.gov/wp-content/uploads/ASBCA_Rule_rev._2021_-_FINAL_.pdf ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FD.11.a+DLL+SBCA+State+Board+of+Collection+Agencies+Rules+%28Rev+2021%29.pdf ; https://www.sos.arkansas.gov/rules-regulations/administrative-rules-search/	F: agency final PDF returned403; legislative attachment timed out; official generic search redirected to https://www.ark.org/rules_and_regs/index.php/rules/search/new and presented a validation request. No bypass or submission. S010–S012 are bounded successful alternatives, not the missing signed packet.

Source links captured in this table

Captured table 15

Source ID · Issuer/title/direct HTTPS URL · Actual scope and limits · 5 data rows

Source ID	Issuer/title/direct HTTPS URL	Actual scope and limits
S_AR-P10-S014	Arkansas UETA reproductions: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-102/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-103/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-104/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-105/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-106/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-107/	M: relevant complete definitions/scope/agreement/recognition bodies. Displayed2025 except §106 route displayed2024. §104 states application to records from March19,2001; original act not obtained.
S_AR-P10-S015	§§25-32-108,109. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-108/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-109/	M,2025: complete writing/retention/method/format/variation and attribution provisions.
S_AR-P10-S016	§§25-32-112,115. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-112/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-115/	M,2025: material retention and complete sending/receipt provisions, including known failure and acknowledgment limits.
S_AR-P10-S017	Act905/2001 attempts: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=905.pdf&path=%2FACTS%2F2001%2FPublic%2F ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2001%2FPublic%2F905.pdf ; official index https://arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2001%2FR&start=900	F/index: official index identifies UETA Act905; the body routes and index-linked attempt did not yield the act. No original-act or complete current-chain read claimed.
S_AR-P10-S018	Arkansas Supreme Court, Barwick, 2011 Ark.128. https://law.justia.com/cases/arkansas/supreme-court/2011/58424.html ; PDF https://cases.justia.com/arkansas/supreme-court/58424.pdf?ts=1462300074	R: complete material majority, seven pages; holding printed6–7/PDF5–6, final-page image read. March31,2011; affirmed summary judgment. Official navigation failed: https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do . No full citator.

Source links captured in this table

Captured table 16

Source ID · Issuer/title/direct HTTPS URL · Actual scope, currency, and limits · 12 data rows

Source ID	Issuer/title/direct HTTPS URL	Actual scope, currency, and limits
S_AR-P10-S019	OLRC, 15USC7001. https://uscode.house.gov/us/usc/119-124/t15/s7001/	P: material (a), (b), (c)(1)–(6), (d), and related retention/form provisions. Display through PL119-124, October15,2026. General effective-date note October1,2000 with stated exceptions; no special old transaction applied.
S_AR-P10-S020	15USC7002. https://uscode.house.gov/us/usc/119-124/t15/s7002/	P: complete (a)–(c), especially anti-circumvention. Same displayed currency.
S_AR-P10-S021	15USC7003,7006. https://uscode.house.gov/us/usc/119-124/t15/s7003/ ; https://uscode.house.gov/us/usc/119-124/t15/s7006/	P: exceptions and relevant record/signature/consumer/transaction definitions. Not a full secured-debt or court-process dossier.
S_AR-P10-S022	15USC1692c. https://uscode.house.gov/us/usc/119-120/t15/s1692c/	P: (a)–(d) freshly read, principally workplace and exception framework. Display through PL119-120, October7,2026. New successful read does not erase P07’s earlier failures.
S_AR-P10-S023	15USC1692g,1692n. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ ; https://uscode.house.gov/us/usc/119-124/t15/s1692n/	P: material writing, pause, response and state-law-preservation provisions. Display through October15,2026.
S_AR-P10-S024	CFPB, 12CFR1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/	Official current posted rule and interpretations: material communication/attempt/LCM definitions only.
S_AR-P10-S025	§1006.18. https://www.consumerfinance.gov/rules-policy/regulations/1006/18/	Material true business name, disclosures, translations, assumed employee name, and LCM/callback interpretations.
S_AR-P10-S026	§1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34	Material (d)–(e), relevant (a)–(c), and official interpretations. eCFR displayed Title12 through October23,2026. Title-wide amendment date is not asserted as a §34 amendment.
S_AR-P10-S027	CFPB, Appendix B / Model B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/ ; image https://files.consumerfinance.gov/f/images/cfpb_regulations_1006-B-1.original.png	Official generic model image actually inspected. No named-provider specimen, translation, or completed template supplied or approved.
S_AR-P10-S028	§1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38	Material consumer-writing interpretations, original-creditor, duplicate, pause and safe-harbor provisions. eCFR through October23,2026.
S_AR-P10-S029	§1006.42. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42	Complete operative sending provisions and relevant failed-delivery/opt-out interpretations. eCFR through October23,2026.
S_AR-P10-S030	§1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/104/	Current posted state-law relationship and interpretation; not a specific Arkansas determination.

Source links captured in this table

Captured table 17

Source ID · Record and URLs · Status · 1 data rows

Source ID	Record and URLs	Status
S_AR-P10-S031	Supplied P07/MN11 history, including earlier failed §1692c routes: https://uscode.house.gov/us/usc/119-124/t15/s1692c/ and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim ; prior FTC compendium https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text ; prior Cornell holiday fallback https://www.law.cornell.edu/uscode/text/5/6103	H: preserved as historical access limitations, not freshly read substantive support here. P10 freshly opened S022’s October7 release and S019’s October15 E-SIGN body. Earlier FTC2010/Cornell limits and the reviewed-case/citator limits remain unchanged. No legal premise is taken from unreviewed P06/P08/P09.

Source links captured in this table

Captured table 18

Claim ID · Actor/predicate and trigger · Consequence · 24 data rows

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
S_AR-P10-C001	Researcher applies 2009 provisions	Act1455 supplies material enacted conduct and old workplace text.	S001 §1/§10; T. Approval not commencement.
C002	Currentness asserted	Selected acts and2025 mirrors do not prove complete2026 chain.	S001–S006; G.
C003	Workplace amendment analyzed	Act990§25 repealed old paragraph3, not workplace language.	S002 printed14/PDF13; T.
C004	Renumbered clause used	Current mirror’s(11) corresponds to retained old(12) after repeal.	S001/S002/S006; T/I; full codification chain partial.
C005	Board interprets chapter/rules	Use federal interpretation to greatest extent possible; rules must be statutorily consistent.	S007(a)–(b),S008§1; T.
C006	Federal incorporation claimed	§512(e) is specified FTC-opinion defense, not wholesale incorporation.	S005(e),S001 pp.11–12; T/I.
C007	Hearing/comment dates reported	Agenda reports Aug18 hearing and Sept7 comment end; proposed status then.	S010 pp.53–54; T as report, not transcript.
C008	Approval stage assessed	Subcommittee report records November17 approval.	S011 item3 pp.1,4; T; not separate Board/Council vote.
C009	Final rule status assessed	Register lists adopted rule and Dec9,2021 effectiveness.	S012 p.4; T.
C010	Filing/current rule certificate claimed	Signed filing, exact stamp and full later amendment comparison remain missing.	S013; G.
C011	CAR timestamp relied on	Generation date does not establish adoption.	S009; T/G.
C012	Agency contemplates workplace contact	Establish home-letter/no-return/no-answer conditions.	§307(11); CAR302(b); T, actual facts held.
C013	Employer prohibition known	Home-letter condition does not itself defeat independent restriction.	S003§504(a)(3); S022(a)(3); T/I; exceptions separate.
C014	Agency attempts collection	Use exact licensed name/trade style under rule.	S009§302(a); T.
C015	Written/telephone/oral communication	Apply reason, creditor, agency, date and individual identity fields.	S009§302(c)(1)–(2); T; LCM applicability held.
C016	Collector calls	Meaningful caller identity has independent state text.	S003§505(b)(6); T.
C017	Business/form identity represented	True-name and false-source/participation provisions remain applicable.	S003§506(a),(b)(9),(14); S005§511; T.
C018	Employee uses alias	Federal consistency/traceability and state alias records are distinct predicates.	S025(f); S009§201(e)(2); T.
C019	Voicemail called LCM	Meet required/permitted contents and neutral business name.	S024(j); T.
C020	LCM satisfies federal definition	Federal noncommunication status does not erase state attempt duties.	S024/S025(e); S009§302(a); T/I.
C021	Known third-party message	Do not assume consumer-LCM predicate.	S024(j) interpretations; T.
C022	Extra content/callback occurs	Reassess communication and initial disclosures.	S025(e), comments18(e)/18(e)(1); T.
C023	State LCM compatibility claimed	Narrow/broad communication constructions remain unresolved.	S003§502; S009§302; S007; I/G.
C024	Collection disclosure translated	Apply same-language/complete-accurate disclosure rules.	S025(e)(4); state content separate; T.

Captured table 19

Claim ID · Actor/predicate and trigger · Consequence · 36 data rows

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
C025	UETA invoked	Establish covered transaction/record and scope.	S014§§102–103; T, primary chain held.
C026	UETA commencement/version asserted	March19,2001 is displayed codified date; original act unavailable.	S014§104/S017; T/G.
C027	Electronic dealing alleged	Agreement/context required; no universal forced use.	S014§105; T.
C028	Writing or signature required	Electronic recognition applies separately to record and signature.	S014§107; S021§7006; T.
C029	Electronic authorship disputed	Establish act/attribution; identifier alone not conclusive.	S015§109; T/I.
C030	Recipient must retain record	Sender inhibition of print/store is material.	S015§108(a),(c); T.
C031	Other law specifies delivery/format	UETA preserves specified requirements subject to its limits.	S015§108(b); T; E-SIGN also applies.
C032	Parties vary ordinary-mail method	Variation only to extent other law permits.	S015§108(d)(2); T.
C033	Electronic record sent	Establish proper system, processability and control transition.	S016§115(a); T.
C034	Electronic receipt/acknowledgment	Human awareness unnecessary on stated predicates; acknowledgment not content identity.	S016§115(b),(e)–(f); T.
C035	Known nondelivery	Other applicable law governs effect; presumption not conclusive cure.	S016§115(g); S029 interpretations; T.
C036	Record retained	Preserve accurate accessible record, not merely assumed access.	S016§112; S019(d); T.
C037	Electronic writing challenged	Barwick recognizes UETA writing on its undisputed record.	S018 pp.6–7; H.
C038	Barwick extended to mailing	Opinion does not decide debt-validation postal method or federal consent.	S018; G.
C039	E-SIGN invoked	Interstate/foreign transaction and record predicates apply.	S019(a); T.
C040	Collector uses qualifying e-disclosure	Establish §7001(c)(1) consent/access/scope/withdrawal conditions.	S019(c)(1); T.
C041	Consumer used an electronic channel	That alone does not force electronic acceptance or establish all response consent.	S019(b),(c); S014§105; T/I.
C042	Timing/content/receipt method altered	§7001(c)(2) preserves content/timing; special acknowledgment rule has its own predicates.	S019(c)(2); T.
C043	State nonelectronic method asserted	§7002(c) bars circumvention through UETA8(b)(2).	S020(a),(c); T; particular preemption held.
C044	E-SIGN exception alleged	Establish actual §7003 category; ordinary notice not automatically excluded.	S021§7003; T/I.
C045	Covered state initial contact	Written §508 notice route applies.	S001/S004(a); T.
C046	State period measured	Receipt-based text; federal assumed-receipt option not silently imported.	S004(a); S026(b)(5); T/I.
C047	Consumer uses accepted electronic channel	Federal writing requirement can be satisfied.	S028 comments38-1/2; T official interpretation.
C048	Consumer electronic writing received	Do not equate it with §7001(c) consent for collector response.	S028/S019/S029; T/I.
C049	State writing via UETA asserted	Plausible conditional route, not all-facts adjudication.	S014–S018; I/G.
C050	State mailing replaced electronically	Specific UETA/E-SIGN/state construction still required.	S004(b),S015,S019–S020; G.
C051	Timely dispute and separate creditor request received	Track both response obligations.	S004(b); S023§1692g(b); S028(c),(d); T.
C052	Verification exists internally	Internal confirmation alone does not end response duty; no universal response deadline invented.	S004(b),S028; T/I.
C053	Response properly mailed/sent	Apply actual statutory/rule event, not an invented universal receipt-wait.	S004(b),S028–S029; T, delivery facts held.
C054	Original=current	Federal same-creditor determination/notice/reference route exists.	S028(c)(2); T; state integration held.
C055	Repeat dispute submitted	Require qualifying earlier response, substantial sameness and no new material information.	S028(a)(1),(d)(2)(ii); T.
C056	Duplicate notice electronic	Specific cross-reference is42(a)(1), not an express listing in42(b).	S028(d)(2)(ii)(A),S029(b); T.
C057	Federal shortcut asserted under state law	No express matching state shortcut or controlling incorporation obtained.	S004,S007,S020,S030; G.
C058	Address opted out or delivery fails	Do not treat that send as automatically compliant.	S029(a)(1), relevant interpretations; T.
C059	Collector sends specified e-response	Apply42(b)’s actual listed disclosures and E-SIGN.	S029(b); T.
C060	State/federal protection compared	Greater-protection and E-SIGN questions need specific analysis.	S023§1692n,S030,S020; T/G.

Captured table 20

Claim ID · Actor/predicate and trigger · Consequence · 16 data rows

Claim ID	Actor/predicate and trigger	Consequence	Authority / type / limit
C061	Model B-1 compared	Actual generic fields/image read; no actual specimen approved.	S027; T/G.
C062	Safe harbor claimed	Limited information/form and related overshadowing scope.	S026(d)(2); S028(b)(2); T.
C063	Date added	Generated-date addition permitted; not necessarily communication date.	S026 comment34(d)(2)(iii)-1.iv; S009; T/I.
C064	Identity fields populated	Correct field placement does not establish true/licensed identity.	S027,S003,S009; I/G.
C065	Required state text added	Apply reverse-side/reference/prominence/no-coupon-reverse conditions.	S026(d)(2)–(3)(iv)(A); T.
C066	Separate insert used	Express exceptions are limited; separate-page disclosures lack that safe harbor.	S026(d)(2)(ii); T. No per se violation inferred.
C067	Email-body layout used	Applicable-law text may appear below with the required reference arrangement.	S026 comment34(d)(3)(iv)(A)-1; T.
C068	Electronic enhancements/examples used	Permitted layout or example phrasing is not consent or mandatory exact script.	S026(d)(2)–(4); S029; T/I.
C069	Translated notice/Spanish offer used	Apply complete/accurate, English-version and request conditions independently of §18 language duty.	S026(e); S025(e)(4); T.
C070	Deceptive form cloaked in model layout	State false-identity/source/participation restrictions remain.	S003§506,S005§511; T/I.
C071	Actual form eligibility asserted	No actual notice, script or translation supplied/approved.	S027 and scope; G.
C072	Source currency asserted	Displayed releases and selected acts are not all-later-law proof.	Register; G.
C073	Controlling construction claimed	No direct Arkansas LCM/mail/shortcut holding obtained; no complete citator.	Bounded search/S018; G.
C074	Example outcome generalized	Actual actor, employer, debt, consent, identity and receipt facts remain unknown.	Scope; G.
C075	Example dates used	Nonboundary fictional chronology, not live deadline calculation.	Models A–D; I/G.
C076	Report used beyond scope	No ledger, payment, permission, or deferred-family acceptance follows.	Scope restriction; G.

Captured table 21

Old P07 row · Portion advanced or resolved · Remaining status and exact next evidence · 8 data rows

Old P07 row	Portion advanced or resolved	Remaining status and exact next evidence	P10 claims
K09 — Workplace	Act990 repeal/renumbering body obtained; current statutory/rule wording compared with federal employer restriction.	Partial. Actual home-letter, return, answer, employer knowledge, consent/court-order facts absent; complete current amendment/commencement chain held.	C003–C004, C012–C013
K16 — Limited-content voicemail	State attempt/communication, true-name, alias and federal LCM clauses mapped.	Construction held. Obtain responsive published Arkansas majority or final Board interpretation of CAR302/§505 with LCM; actual name/script facts absent.	C014–C024, C073
K22 — Model-form safe harbor	Actual B-1 image and operative safe-harbor/layout/translation provisions compared.	Generic comparison completed; actual form held. Need actual specimen, facts, delivery method and state interpretation.	C061–C069, C071
K28 — Deceptive forms/disclosures	Relevant state false-source, true-name, third-party-participation and federal language clauses read.	Partial. Actual document, representations, language, employee identity and legal sufficiency absent.	C016–C018, C024, C070
Q01 — Arkansas consumer-conduct Code	Official Act1455 material bodies freshly read and compared with2025 §§502–508/511/512.	Currentness held. Readable official integrated current sections or complete later enactment/codification chain; exact commencement.	C001–C002, C005–C006, C072
Q02 — Workplace amendment	Official Act990§25 obtained; current(11)/old(12) explanation supported.	Body gap closed; currency/application partial. Exact effective/transition record and later-law chain remain.	C003–C004
Q03 — Rule adoption/filing	Agenda, subcommittee approval and official adopted-rule/effective-date Register entry obtained.	Final-status/effective-listing gap closed. Signed Board adoption, filing timestamp, complete final attachment and later comparison still needed.	C007–C011
Q07 — Electronic state integration	Material UETA, E-SIGN, current federal response rules and Barwick examined.	Partial. Original Act905/current chain and direct §508 postal/shortcut construction remain held.	C025–C060

Captured table 22

Hold ID · Issue · Exact missing fact or authority · 10 data rows

Hold ID	Issue	Exact missing fact or authority
H01	Actual statutory actors	Consumer/debt/collector/agency coverage, transaction purpose and territorial facts.
H02	Business and individual identity	Actual licensed trade style, true business name, alias consistency and traceability—no status query performed.
H03	Workplace predicate	Actual home-letter delivery/return/answer and employer prohibition/knowledge/exception facts.
H04	UETA agreement and attribution	Actual agreement/context, accepted channel, authorship and transaction applicability.
H05	E-SIGN disclosure consent	Scope, nonwithdrawal, access demonstration, hardware/software change and record availability.
H06	Sending, receipt and content	Correct system/address, processability, actual contents, acknowledgments, bounce and retention evidence.
H07	State postal-method integration	Direct construction reconciling §508, UETA108, E-SIGN7001–7002 and §203(b).
H08	Same-creditor/duplicate alternatives	Controlling state application; actual prior verification, new material information and creditor identities.
H09	Final rule and later-law history	Signed adoption/filing record, final attachment comparison, later amendments and complete citator.
H10	Local/tribal/interstate/foreign-country law	Particular jurisdiction and source; no statewide local-practice or international permission inferred.

Captured table 23

Model · Completed analytical work · Remaining evidence · 4 data rows

Model	Completed analytical work	Remaining evidence
A	Separate dispute/request, internal knowledge, mailing and later receipt tracked.	Actual timeliness, contents, proper address and response adequacy.
B	Consumer writing, collector consent, retention, opt-out, failure and state mailing independently varied.	Actual records and state integration authority.
C	Business neutrality, licensed identity, employee alias, LCM content and workplace conditions separated.	Actual identity/script and controlling Arkansas compatibility ruling.
D	Duplicate/new-material/same-creditor branches and layout alternatives distinguished.	Actual prior response, new evidence, creditor identity and final specimen comparison.

Captured table 24

Deferred ID · Family · Remaining scope · 7 data rows

Deferred ID	Family	Remaining scope
D01	Credentials, fees and security	No P06 licensing or bond findings adopted.
D02	CSO/CROA/provider contracts	No P08 findings adopted.
D03	Court entry, service, default and relief	No P09 clocks or holdings imported.
D04	Limitations, renewal and enforcement	No underlying or judgment-clock determination.
D05	Bank, earnings and property	No garnishment, tracing or exemption report repeated.
D06	Full communications, reporting and remedies	P07 broad report not rerun; full TCPA/FCRA/privacy/damages work remains separate.
D07	Full Arkansas/parent acceptance	Local, tribal, country, sector and all broader dimensions remain open.

Captured table 25

Old row and old P07 claim references · New P10 work · No implied expansion · 8 data rows

Old row and old P07 claim references	New P10 work	No implied expansion
K09; C020–C021	Amendment/workplace matrix; C003–C004, C012–C013	Not the full workplace-contact report or actual permission.
K16; C038–C039	Identity/LCM matrix; C014–C024	Not a state-approved LCM name or script.
K22; C058	Actual model comparison; C061–C069, C071	Not approval of an actual template.
K28; C088–C089	Deceptive-form and language comparison; C016–C018, C024, C070	No actual document or translation adjudicated.
Q01	Act1455 and material code comparison; C001–C002, C005–C006	No complete current-code certificate.
Q02	Act990§25 and numbering; C003–C004	No fabricated commencement or full later-law proof.
Q03	Approval/Register reconstruction; C007–C011	No claim that the signed final filing was obtained.
Q07	UETA/E-SIGN/Barwick/response analysis; C025–C060	No universal electronic substitution or federal incorporation.

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Search this report’s claim records

How to read the research →

Read the related correction supplements

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 →

S_AR-P10-C001 Saved research record

Act1455 supplies material enacted conduct and old workplace text.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Researcher applies 2009 provisions
Authority / type / limit: S001 §1/§10; T. Approval not commencement.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C002 Saved research record

Selected acts and2025 mirrors do not prove complete2026 chain.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Currentness asserted
Authority / type / limit: S001–S006; G.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C003 Saved research record

Act990§25 repealed old paragraph3, not workplace language.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Workplace amendment analyzed
Authority / type / limit: S002 printed14/PDF13; T.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C004 Saved research record

Current mirror’s(11) corresponds to retained old(12) after repeal.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Renumbered clause used
Authority / type / limit: S001/S002/S006; T/I; full codification chain partial.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C005 Saved research record

Use federal interpretation to greatest extent possible; rules must be statutorily consistent.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Board interprets chapter/rules
Authority / type / limit: S007(a)–(b),S008§1; T.

Recorded coordinator check boundaries

coordinator review note: ActualAct288predecessor203a/bconsistent-rules/greatestextentfederalinstructionselected;currentrecodificationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C006 Saved research record

§512(e) is specified FTC-opinion defense, not wholesale incorporation.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Federal incorporation claimed
Authority / type / limit: S005(e),S001 pp.11–12; T/I.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C007 Saved research record

Agenda reports Aug18 hearing and Sept7 comment end; proposed status then.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Hearing/comment dates reported
Authority / type / limit: S010 pp.53–54; T as report, not transcript.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C008 Saved research record

Subcommittee report records November17 approval.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Approval stage assessed
Authority / type / limit: S011 item3 pp.1,4; T; not separate Board/Council vote.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C009 Saved research record

Register lists adopted rule and Dec9,2021 effectiveness.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Final rule status assessed
Authority / type / limit: S012 p.4; T.

Recorded coordinator check boundaries

coordinator review note: Registerselectedadoptedheading/docket/dateappear;actualeffective-columnalignment/newpixels/signedfilingheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C010 Saved research record

Filing/current rule certificate claimed

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Signed filing, exact stamp and full later amendment comparison remain missing.
Authority / type / limit: S013; G.

Recorded coordinator check boundaries

coordinator review note: Originalsignedpacket/exactstamp/latercomparisonholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C011 Saved research record

Generation date does not establish adoption.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: CAR timestamp relied on
Authority / type / limit: S009; T/G.

Recorded coordinator check boundaries

coordinator review note: No newgenerationdate/adoptionidentification;exactCARfailurepreserved.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C012 Saved research record

Agency contemplates workplace contact

Recorded check status: specific body or complete crossreference unreopened held

Consequence: Establish home-letter/no-return/no-answer conditions.
Authority / type / limit: §307(11); CAR302(b); T, actual facts held.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C013 Saved research record

Home-letter condition does not itself defeat independent restriction.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Employer prohibition known
Authority / type / limit: S003§504(a)(3); S022(a)(3); T/I; exceptions separate.

Recorded coordinator check boundaries

coordinator review note: Independentfederalworkplaceprohibition is datedAR07reviewattribution; nostatehomeletteroverrideinferred; current508/307bodiesunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C014 Saved research record

Use exact licensed name/trade style under rule.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Agency attempts collection
Authority / type / limit: S009§302(a); T.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C015 Saved research record

Written/telephone/oral communication

Recorded check status: specific body or complete crossreference unreopened held

Consequence: Apply reason, creditor, agency, date and individual identity fields.
Authority / type / limit: S009§302(c)(1)–(2); T; LCM applicability held.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C016 Saved research record

Meaningful caller identity has independent state text.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Collector calls
Authority / type / limit: S003§505(b)(6); T.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C017 Saved research record

True-name and false-source/participation provisions remain applicable.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Business/form identity represented
Authority / type / limit: S003§506(a),(b)(9),(14); S005§511; T.

Recorded coordinator check boundaries

coordinator review note: Federal18truebusinessname/deceptiveformsselected only;fullstate506/511bodiesnotfresh.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C018 Saved research record

Federal consistency/traceability and state alias records are distinct predicates.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Employee uses alias
Authority / type / limit: S025(f); S009§201(e)(2); T.

Recorded coordinator check boundaries

coordinator review note: Federal18fconsistency/traceabilitytextselected;statealiasrecordsbodyknownunavailableandactualoperationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C019 Saved research record

Meet required/permitted contents and neutral business name.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Voicemail called LCM
Authority / type / limit: S024(j); T.

Recorded coordinator check boundaries

coordinator review note: Federal2jrequired/optionalneutralconsumer-directedLCMtextselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C020 Saved research record

Federal noncommunication status does not erase state attempt duties.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: LCM satisfies federal definition
Authority / type / limit: S024/S025(e); S009§302(a); T/I.

Recorded coordinator check boundaries

coordinator review note: Federal18eLCMnotcommunicationtextselected;stateattemptbody/harmonizationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C021 Saved research record

Do not assume consumer-LCM predicate.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Known third-party message
Authority / type / limit: S024(j) interpretations; T.

Recorded coordinator check boundaries

coordinator review note: Federal2jcomment2knowinglythirdpartynotconsumerLCMselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C022 Saved research record

Reassess communication and initial disclosures.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Extra content/callback occurs
Authority / type / limit: S025(e), comments18(e)/18(e)(1); T.

Recorded coordinator check boundaries

coordinator review note: Federal18eextra-content/callbackinitialdisclosuretextselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C023 Saved research record

Narrow/broad communication constructions remain unresolved.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: State LCM compatibility claimed
Authority / type / limit: S003§502; S009§302; S007; I/G.

Recorded coordinator check boundaries

coordinator review note: TwoalternativeArkansasLCMconstructions retained as unresolvedinferences,notnewholding.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C024 Saved research record

Apply same-language/complete-accurate disclosure rules.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Collection disclosure translated
Authority / type / limit: S025(e)(4); state content separate; T.

Recorded coordinator check boundaries

coordinator review note: Federal18e4same-language/completeaccuratecollectiondisclosureselected;actualtranslationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C025 Saved research record

Establish covered transaction/record and scope.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: UETA invoked
Authority / type / limit: S014§§102–103; T, primary chain held.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C026 Saved research record

March19,2001 is displayed codified date; original act unavailable.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: UETA commencement/version asserted
Authority / type / limit: S014§104/S017; T/G.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C027 Saved research record

Agreement/context required; no universal forced use.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Electronic dealing alleged
Authority / type / limit: S014§105; T.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C028 Saved research record

Electronic recognition applies separately to record and signature.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Writing or signature required
Authority / type / limit: S014§107; S021§7006; T.

Recorded coordinator check boundaries

coordinator review note: BarwickquotesUETA107c/d and electronicdefinition;fullcurrent107/7006bodiesunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C029 Saved research record

Establish act/attribution; identifier alone not conclusive.

Recorded check status: specific body or complete crossreference unreopened held

Actor/predicate and trigger: Electronic authorship disputed
Authority / type / limit: S015§109; T/I.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C030 Saved research record

Sender inhibition of print/store is material.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Recipient must retain record
Authority / type / limit: S015§108(a),(c); T.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary108a/cretention/print-storeinhibitiontextselected;currentprimarychainheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C031 Saved research record

UETA preserves specified requirements subject to its limits.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Other law specifies delivery/format
Authority / type / limit: S015§108(b); T; E-SIGN also applies.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary108bmethod/formatrestrictionselectedwith7002climit;actualpreemptionheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C032 Saved research record

Variation only to extent other law permits.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Parties vary ordinary-mail method
Authority / type / limit: S015§108(d)(2); T.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary108d2limitedagreementtomailvariationselected;actualotherlawpermissionheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C033 Saved research record

Establish proper system, processability and control transition.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Electronic record sent
Authority / type / limit: S016§115(a); T.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary115aaddress/processability/controltransitionsselected;actualsystemfactsheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C034 Saved research record

Human awareness unnecessary on stated predicates; acknowledgment not content identity.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Electronic receipt/acknowledgment
Authority / type / limit: S016§115(b),(e)–(f); T.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary115b/e/fnoawareness/acknotcontentidentityselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C035 Saved research record

Other applicable law governs effect; presumption not conclusive cure.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Known nondelivery
Authority / type / limit: S016§115(g); S029 interpretations; T.

Recorded coordinator check boundaries

coordinator review note: Postedsecondary115gknownfailure anddated42deliveryrulesselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C036 Saved research record

Preserve accurate accessible record, not merely assumed access.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Record retained
Authority / type / limit: S016§112; S019(d); T.

Recorded coordinator check boundaries

coordinator review note: 7001d1–3retentionaccuracy/accessibilityselected;state112bodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C037 Saved research record

Barwick recognizes UETA writing on its undisputed record.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Electronic writing challenged
Authority / type / limit: S018 pp.6–7; H.

Recorded coordinator check boundaries

coordinator review note: Barwickselectedactualinsurance-writingholding/undisputedpostureaffirmance.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C038 Saved research record

Opinion does not decide debt-validation postal method or federal consent.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Barwick extended to mailing
Authority / type / limit: S018; G.

Recorded coordinator check boundaries

coordinator review note: SelectedBarwickdoesnotdecide508mailingorcollectorconsent;fulllaterhistoryheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C039 Saved research record

Interstate/foreign transaction and record predicates apply.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: E-SIGN invoked
Authority / type / limit: S019(a); T.

Recorded coordinator check boundaries

coordinator review note: 7001ainterstate/foreigntransaction/noelectronic-denialtextselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C040 Saved research record

Collector uses qualifying e-disclosure

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Establish §7001(c)(1) consent/access/scope/withdrawal conditions.
Authority / type / limit: S019(c)(1); T.

Recorded coordinator check boundaries

coordinator review note: 7001c1affirmativeconsent/disclosure/access/hardwarechangeconditionsselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C041 Saved research record

That alone does not force electronic acceptance or establish all response consent.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Consumer used an electronic channel
Authority / type / limit: S019(b),(c); S014§105; T/I.

Recorded coordinator check boundaries

coordinator review note: 7001b/cno-forcedacceptance/independentdisclosureconsentselected;state105bodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C042 Saved research record

Timing/content/receipt method altered

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: §7001(c)(2) preserves content/timing; special acknowledgment rule has its own predicates.
Authority / type / limit: S019(c)(2); T.

Recorded coordinator check boundaries

coordinator review note: 7001c2preservescontenttiming/specialpre-enactmentverifiedreceiptmethodtextselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C043 Saved research record

§7002(c) bars circumvention through UETA8(b)(2).

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: State nonelectronic method asserted
Authority / type / limit: S020(a),(c); T; particular preemption held.

Recorded coordinator check boundaries

coordinator review note: 7002completea–cUETAframework/anti-circumventionselected;state103ecurrentbody/applicationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C044 Saved research record

Establish actual §7003 category; ordinary notice not automatically excluded.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: E-SIGN exception alleged
Authority / type / limit: S021§7003; T/I.

Recorded coordinator check boundaries

coordinator review note: Actual7003exceptionsbodyunreopened; noautomaticcategoricalexceptioninferred.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C045 Saved research record

Covered state initial contact

Recorded check status: specific body or complete crossreference unreopened held

Consequence: Written §508 notice route applies.
Authority / type / limit: S001/S004(a); T.

Recorded coordinator check boundaries

coordinator review note: Originalwholeatomicrowreadandreconciled. Specificoperativebody,exceptions,currentness/adoption/primarychainoractualapplicationnotfreshlyverifiedhere;alloriginalholdsremain.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C046 Saved research record

Receipt-based text; federal assumed-receipt option not silently imported.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: State period measured
Authority / type / limit: S004(a); S026(b)(5); T/I.

Recorded coordinator check boundaries

coordinator review note: FederalreceiptperiodonlydatedAZ07/AR07selectedreviewattribution;state508receipt/currentbodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C047 Saved research record

Consumer uses accepted electronic channel

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Federal writing requirement can be satisfied.
Authority / type / limit: S028 comments38-1/2; T official interpretation.

Recorded coordinator check boundaries

coordinator review note: Dated1006.38acceptedconsumer-electronicwritingcommentselected;currentcorrectedii/iiichainheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C048 Saved research record

Consumer electronic writing received

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Do not equate it with §7001(c) consent for collector response.
Authority / type / limit: S028/S019/S029; T/I.

Recorded coordinator check boundaries

coordinator review note: Dated38/42andspecified7001cselected distinguishincomingwritingfromcollectorconsent.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C049 Saved research record

Plausible conditional route, not all-facts adjudication.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: State writing via UETA asserted
Authority / type / limit: S014–S018; I/G.

Recorded coordinator check boundaries

coordinator review note: ConditionalUETArouteonly;fullscope/agreement/attribution/currentprimarychain/applicationheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C050 Saved research record

State mailing replaced electronically

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Specific UETA/E-SIGN/state construction still required.
Authority / type / limit: S004(b),S015,S019–S020; G.

Recorded coordinator check boundaries

coordinator review note: Specificstatepostalmethod/preemptionconstructionheld;108/7001/7002selecteddonotchooseimplementation.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C051 Saved research record

Timely dispute and separate creditor request received

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Track both response obligations.
Authority / type / limit: S004(b); S023§1692g(b); S028(c),(d); T.

Recorded coordinator check boundaries

coordinator review note: Dated38c/dindependentdispute/requestreceiptpausesselected;state508specificbodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C052 Saved research record

Internal confirmation alone does not end response duty; no universal response deadline invented.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Verification exists internally
Authority / type / limit: S004(b),S028; T/I.

Recorded coordinator check boundaries

coordinator review note: Dated38requiresappropriateoutgoingresponse,notinternalrecord;state508bodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C053 Saved research record

Apply actual statutory/rule event, not an invented universal receipt-wait.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Response properly mailed/sent
Authority / type / limit: S004(b),S028–S029; T, delivery facts held.

Recorded coordinator check boundaries

coordinator review note: Dated38/42compliantsendingendroute selected;statepaperrouteandadequacyremainheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C054 Saved research record

Federal same-creditor determination/notice/reference route exists.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Original=current
Authority / type / limit: S028(c)(2); T; state integration held.

Recorded coordinator check boundaries

coordinator review note: Dated38c2samecreditordetermination/notification/priorreference selected;nostateincorporation.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C055 Saved research record

Require qualifying earlier response, substantial sameness and no new material information.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Repeat dispute submitted
Authority / type / limit: S028(a)(1),(d)(2)(ii); T.

Recorded coordinator check boundaries

coordinator review note: Dated38a1/d2iiprioranswer/sameness/newmaterial/requirednoticepathselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C056 Saved research record

Specific cross-reference is42(a)(1), not an express listing in42(b).

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Duplicate notice electronic
Authority / type / limit: S028(d)(2)(ii)(A),S029(b); T.

Recorded coordinator check boundaries

coordinator review note: Dated38d2iiAexplicit42a1reference and42bactualdesignatedlistselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C057 Saved research record

Federal shortcut asserted under state law

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: No express matching state shortcut or controlling incorporation obtained.
Authority / type / limit: S004,S007,S020,S030; G.

Recorded coordinator check boundaries

coordinator review note: SpecificArkansasfederalshortcutincorporationunresolved;noextraacceptance.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C058 Saved research record

Do not treat that send as automatically compliant.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Address opted out or delivery fails
Authority / type / limit: S029(a)(1), relevant interpretations; T.

Recorded coordinator check boundaries

coordinator review note: Dated42knownfailure/optout/actualnoticeexpectationselected;actualrecordsheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C059 Saved research record

Collector sends specified e-response

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Apply42(b)’s actual listed disclosures and E-SIGN.
Authority / type / limit: S029(b); T.

Recorded coordinator check boundaries

coordinator review note: Dated42b7001cdesignatede-responsedisclosuresselected.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C060 Saved research record

Greater-protection and E-SIGN questions need specific analysis.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: State/federal protection compared
Authority / type / limit: S023§1692n,S030,S020; T/G.

Recorded coordinator check boundaries

coordinator review note: 7002specificESIGNquestionsselected;1692n/104statepreservationbodiesunreopened,notArkansasanswer.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C061 Saved research record

Actual generic fields/image read; no actual specimen approved.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Model B-1 compared
Authority / type / limit: S027; T/G.

Recorded coordinator check boundaries

coordinator review note: ActualmodelB1imagecomparisonnotreopenedbycoordinator;researcherobservationretained,notapprovedspecimen.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C062 Saved research record

Limited information/form and related overshadowing scope.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Safe harbor claimed
Authority / type / limit: S026(d)(2); S028(b)(2); T.

Recorded coordinator check boundaries

coordinator review note: Selected34d2harborlimitedinformation/form scopeanddated38b2overshadowingreference.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C063 Saved research record

Generated-date addition permitted; not necessarily communication date.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Date added
Authority / type / limit: S026 comment34(d)(2)(iii)-1.iv; S009; T/I.

Recorded coordinator check boundaries

coordinator review note: Selected34d2iii1ivgenerateddate permitted;actualstatecommunicationdateindependentunverified.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C064 Saved research record

Correct field placement does not establish true/licensed identity.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Identity fields populated
Authority / type / limit: S027,S003,S009; I/G.

Recorded coordinator check boundaries

coordinator review note: Reasonedinferencefieldplacementnotidentityproof;actualimage/licensename/statebodyheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C065 Saved research record

Apply reverse-side/reference/prominence/no-coupon-reverse conditions.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Required state text added
Authority / type / limit: S026(d)(2)–(3)(iv)(A); T.

Recorded coordinator check boundaries

coordinator review note: Selected34d2/d3ivAreverse/reference/noresponsecouponreverse/prominenceconditions.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C066 Saved research record

Express exceptions are limited; separate-page disclosures lack that safe harbor.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Separate insert used
Authority / type / limit: S026(d)(2)(ii); T. No per se violation inferred.

Recorded coordinator check boundaries

coordinator review note: Selected34d2iiseparate-pageexceptionlackharborforseparatepagedisclosure;noautomaticviolation.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C067 Saved research record

Applicable-law text may appear below with the required reference arrangement.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Email-body layout used
Authority / type / limit: S026 comment34(d)(3)(iv)(A)-1; T.

Recorded coordinator check boundaries

coordinator review note: Selectedcomment34d3ivA1emailbodybelow/referenceoption.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C068 Saved research record

Electronic enhancements/examples used

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Permitted layout or example phrasing is not consent or mandatory exact script.
Authority / type / limit: S026(d)(2)–(4); S029; T/I.

Recorded coordinator check boundaries

coordinator review note: Selected34d2–4permittedexamples/adaptations notconsent/mandatoryscript.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C069 Saved research record

Translated notice/Spanish offer used

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: Apply complete/accurate, English-version and request conditions independently of §18 language duty.
Authority / type / limit: S026(e); S025(e)(4); T.

Recorded coordinator check boundaries

coordinator review note: Selected34e/18e4Englishversion/completeaccurate/Spanishofferrequestconditions.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C070 Saved research record

Deceptive form cloaked in model layout

Recorded check status: selected claim parts supported with evidence and application holds

Consequence: State false-identity/source/participation restrictions remain.
Authority / type / limit: S003§506,S005§511; T/I.

Recorded coordinator check boundaries

coordinator review note: Federal18falsesource/identitytextselected;state506/511currentbodyunreopened.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C071 Saved research record

No actual notice, script or translation supplied/approved.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Actual form eligibility asserted
Authority / type / limit: S027 and scope; G.

Recorded coordinator check boundaries

coordinator review note: Noactualspecimen/script/translation/approvalprovided,explicitscopehold.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C072 Saved research record

Displayed releases and selected acts are not all-later-law proof.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Source currency asserted
Authority / type / limit: Register; G.

Recorded coordinator check boundaries

coordinator review note: Exactfreshfailure/secondary/reproduction/datedreusepreservestatusnotcurrentlawcertificate.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C073 Saved research record

No direct Arkansas LCM/mail/shortcut holding obtained; no complete citator.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Controlling construction claimed
Authority / type / limit: Bounded search/S018; G.

Recorded coordinator check boundaries

coordinator review note: NodirectArkansasLCM/508postalshortcutconstructionobtained;noallcitator/negativeproof.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C074 Saved research record

Actual actor, employer, debt, consent, identity and receipt facts remain unknown.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Example outcome generalized
Authority / type / limit: Scope; G.

Recorded coordinator check boundaries

coordinator review note: Actualactor/employer/debt/consent/identity/recordfactsheld.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C075 Saved research record

Nonboundary fictional chronology, not live deadline calculation.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Example dates used
Authority / type / limit: Models A–D; I/G.

Recorded coordinator check boundaries

coordinator review note: Onlyfourreportedelapsedcalendarrelationsrecomputed;nonboundaryfictionnotdeadline.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

S_AR-C076 Saved research record

No ledger, payment, permission, or deferred-family acceptance follows.

Recorded check status: selected claim parts supported with evidence and application holds

Actor/predicate and trigger: Report used beyond scope
Authority / type / limit: Scope restriction; G.

Recorded coordinator check boundaries

coordinator review note: Noledger/payment/permission/parentacceptance,scopepreserved.
coordinator acceptance: not_accepted_with_source_currentness_construction_application_holds

Sources, pinpoints and access limits

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.

Search this report’s sources

S_AR-P10-S001 Saved research record

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

Recorded check status: original body attribution preserved known same program failure not retried

Actual scope, dates, support, and limits: P: material § 1 definitions/conduct/§§508,511,512 and §10 workplace text. Printed1–12/PDF0–11 and16–17/PDF15–16 materially read; relevant images inspected. Approved April 10, 2009. Exact commencement and full later chain held.
Direct source URLs: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F
https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2009%2FR&file=1455.pdf&path=%2FACTS%2F2009%2FPublic%2F&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Researcher historicalreadclaim remains. ExactURLlater failed inAR06; rawfailurepacket preserved,no retry/variant. Currentofficialbody/chain/alias/workplacedetail not newlyaccepted.

S_AR-P10-S002 Saved research record

Act 990 of 2019. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=990.pdf&path=%2FACTS%2F2019R%2FPublic%2F

Recorded check status: fresh access failed original historical body claim retained

Actual scope, dates, support, and limits: P: §25, printed14/PDF13; approval printed66/PDF65, images read. Approved April 15, 2019. Selected other end provisions only; entire66-page act not claimed read. First route failed: https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT990.pdf . Alternate succeeded.
Direct source URLs: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=990.pdf&path=%2FACTS%2F2019R%2FPublic%2F
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2019R%2FPublic%2FACT990.pdf
https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2019%2F2019R&file=990.pdf&path=%2FACTS%2F2019R%2FPublic%2F&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Exact supplied successful-history Acts URL timedoutonce now; original HomeURL failure already known. No retry/variant. Prior researcher §25/approval image assertion is retained historically, not freshly authenticated or disproved.

S_AR-P10-S003 Saved research record

2025 reproductions, §§17-24-502–507: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope, dates, support, and limits: M: material definitions, location exception, workplace/third-party predicates, meaningful identification, true name, disclosures and envelope rule. Compared with S001. Not official current codification.
Direct source URLs: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-502/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-503/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-504/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-505/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-506/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-507/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S004 Saved research record

§17-24-508. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope, dates, support, and limits: M,2025: complete (a)–(c), history note. S001 provides selected enacted text.
Direct source URLs: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-508/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S005 Saved research record

§§17-24-511,512. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/ ; https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope, dates, support, and limits: M,2025: §511 operative body and §512(e) advisory-opinion clause. Remedy amounts and limitation periods not reanalyzed.
Direct source URLs: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-511/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-5/section-17-24-512/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S006 Saved research record

§17-24-307. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope, dates, support, and limits: M,2025: material (7), (11), structure and history. Current workplace numbering compared with S001/S002.
Direct source URLs: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-3/section-17-24-307/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S007 Saved research record

§17-24-203. https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope, dates, support, and limits: M,2025: complete (a)–(b). History includes Act288/1995 and Act315/2019§1376; latter body not reconstructed.
Direct source URLs: https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/
https://law.justia.com/codes/arkansas/title-17/subtitle-2/chapter-24/subchapter-2/section-17-24-203/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S008 Saved research record

Act 288 of 1995. https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1995%2FR&file=288.pdf&path=%2FACTS%2F1995%2FPublic%2F

Recorded check status: official historical enactment body parsed

Actual scope, dates, support, and limits: P: §1 printed1/PDF0; approval printed2/PDF1 text read. Approved February13,1995. Screenshot requests timed out; no successful image read claimed for this act. Exact commencement/recodification chain held.
Direct source URLs: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1995%2FR&file=288.pdf&path=%2FACTS%2F1995%2FPublic%2F
https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=1995%2FR&file=288.pdf&path=%2FACTS%2F1995%2FPublic%2F&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Complete2pageAct288/1995§1boardstatutory-consistency/federal-interpretation instruction andFeb13approval. Predecessor17-21-203/currentrecodification/terminology/commencement/laterchain held; no new pixels.

S_AR-P10-S009 Saved research record

Official 17 CAR Part280. https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf

Recorded check status: original body attribution preserved known same program failure not retried

Actual scope, dates, support, and limits: P: §280-302(a)–(d), printed10–11/PDF9–10, and §201(e)(2), printed6/PDF5, text/images. PDF generated March22,2026, not adopted then. Official part index also read: https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID=&subChapterID=221&subPartID=&titleID=17 .
Direct source URLs: https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf
https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID=&subChapterID=221&subPartID=&titleID=17
https://webftp.blr.arkansas.gov/Home/FTPDocument?path=CAR%2FParts%2F17CARpt280.pdf&utm_source=chatgpt.com
https://codeofarrules.arkansas.gov/Rules/Rule?chapterID=178&levelType=part&partID=776&sectionID&subChapterID=221&subPartID&titleID=17&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Researcher historicalreadclaim remains. ExactURLlater failed inAR06; rawfailurepacket preserved,no retry/variant. Currentofficialbody/chain/alias/workplacedetail not newlyaccepted.

S_AR-P10-S010 Saved research record

ALC Rules Subcommittee November17,2021 summary agenda. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FA.+Summary+Agenda.pdf

Recorded check status: specific body or complete crossreference unreopened held

Actual scope, dates, support, and limits: P/G: Board item printed53–54/PDF52–53, text/images. Reports hearing/comment history and proposed status. Not final filing certificate.
Direct source URLs: https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FA.+Summary+Agenda.pdf
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FA.+Summary+Agenda.pdf&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalcomplete sourcerow read; notfreshstatutoryexception/preemption/definitions/statepreservation/currentnesscheck. Do not import unverifiedoptions oractualfacts.

S_AR-P10-S011 Saved research record

ALC Rules Subcommittee November19,2021 report. https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F000%2F4868%2FExhibit+F.01+-+ALC+Rules+Subcommmittee+Report+Nov+2021.pdf

Recorded check status: official scan metadata only approval body unverified

Actual scope, dates, support, and limits: P: printed1 and4/PDF0 and3, images; item3 approval category and Board rule entry. Reports November17 subcommittee action. Not Board adoption minutes or separately verified Council vote.
Direct source URLs: https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F000%2F4868%2FExhibit+F.01+-+ALC+Rules+Subcommmittee+Report+Nov+2021.pdf
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F000%2F4868%2FExhibit+F.01+-+ALC+Rules+Subcommmittee+Report+Nov+2021.pdf&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: NinepagepublicPDFreturnedmetadata/twolines; image requests yielded bare citations without viewablepixels. No freshapprovalbody/actiondate/fullCouncil/Boardvote/filetimestampverification. Preserve original researcher visual observation; no repeated visual recovery.

S_AR-P10-S012 Saved research record

Arkansas Secretary of State, December2021 Arkansas Register. https://www.sos.arkansas.gov/uploads/December_Monthly.pdf ; archive https://www.sos.arkansas.gov/rules-regulations/arkansas-register

Recorded check status: selected official Register text without fresh column pixels

Actual scope, dates, support, and limits: P/G: printed4/PDF3, image under adopted rules: docket235.15.21-001F, effective December9,2021. Archive page establishes official publication context. Signed filing packet not obtained.
Direct source URLs: https://www.sos.arkansas.gov/uploads/December_Monthly.pdf
https://www.sos.arkansas.gov/rules-regulations/arkansas-register
https://www.sos.arkansas.gov/uploads/December_Monthly.pdf?utm_source=chatgpt.com
https://www.sos.arkansas.gov/rules-regulations/arkansas-register?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Adopted-rule heading plus agency,docket235.15.21-001F/date12/09/2021 appear in selected parsedPDF3 text. Originalresearcher image labeled effectivedate; freshdate-to-column alignment/pixels, signedfiling and laterhistory are not independently authenticated. Otheragencyrows not materialreview.

S_AR-P10-S013 Saved research record

Adoption/access failures: https://www.labor.arkansas.gov/wp-content/uploads/ASBCA_Rule_rev._2021_-_FINAL_.pdf ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FD.11.a+DLL+SBCA+State+Board+of+Collection+Agencies+Rules+%28Rev+2021%29.pdf ; https://www.sos.arkansas.gov/rules-regulations/administrative-rules-search/

Recorded check status: original failed and index only access preserved

Actual scope, dates, support, and limits: F: agency final PDF returned403; legislative attachment timed out; official generic search redirected to https://www.ark.org/rules_and_regs/index.php/rules/search/new and presented a validation request. No bypass or submission. S010–S012 are bounded successful alternatives, not the missing signed packet.
Direct source URLs: https://www.labor.arkansas.gov/wp-content/uploads/ASBCA_Rule_rev._2021_-_FINAL_.pdf
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FD.11.a+DLL+SBCA+State+Board+of+Collection+Agencies+Rules+%28Rev+2021%29.pdf
https://www.sos.arkansas.gov/rules-regulations/administrative-rules-search/
https://www.ark.org/rules_and_regs/index.php/rules/search/new
https://www.labor.arkansas.gov/wp-content/uploads/ASBCA_Rule_rev._2021_-_FINAL_.pdf?utm_source=chatgpt.com
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FAssembly%2FMeeting+Attachments%2F040%2F4862%2FD.11.a+DLL+SBCA+State+Board+of+Collection+Agencies+Rules+(Rev+2021).pdf&utm_source=chatgpt.com
https://www.sos.arkansas.gov/rules-regulations/administrative-rules-search/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalexactfailed/partial/challenge/redirect observations retained. Index/link is not operativeact/signedfiling. No repeat/routearound/challenge submission.

S_AR-P10-S014 Saved research record

Arkansas UETA reproductions: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-102/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-103/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-104/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-105/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-106/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-107/

Recorded check status: specific secondary grouped body unreopened currentness held

Actual scope and limits: M: relevant complete definitions/scope/agreement/recognition bodies. Displayed2025 except §106 route displayed2024. §104 states application to records from March19,2001; original act not obtained.
Direct source URLs: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-102/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-103/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-104/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-105/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-106/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-107/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-102/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-103/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-104/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-105/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-106/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-107/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrow/cells/linkedclaims read. These specificgroupedsections are not freshlyreopened; earlierdatedreviewattributions andallcurrentprimary/adoption/exceptions/applicationholds retained.

S_AR-P10-S015 Saved research record

§§25-32-108,109. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-108/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-109/

Recorded check status: selected secondary UETA body

Actual scope and limits: M,2025: complete writing/retention/method/format/variation and attribution provisions.
Direct source URLs: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-108/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-109/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-108/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-109/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 2025nonofficial108completeoperativea–d only; grouped109authorshipnotfresh. Act905officialbody/currentprimarychainheld. Retention/method/limitedvariationtext supported as postedreproduction.

S_AR-P10-S016 Saved research record

§§25-32-112,115. https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-112/ ; https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-115/

Recorded check status: selected secondary UETA body

Actual scope and limits: M,2025: material retention and complete sending/receipt provisions, including known failure and acknowledgment limits.
Direct source URLs: https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-112/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-115/
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-112/?utm_source=chatgpt.com
https://law.justia.com/codes/arkansas/title-25/chapter-32/section-25-32-115/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 2025nonofficial115completeoperativea–g only; grouped112retentionbodynotfresh. Sending,systemreceipt/nohumanawareness,ackcontent andknownfailure support retained; no actualtransaction/bodychain accepted.

S_AR-P10-S017 Saved research record

Act905/2001 attempts: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=905.pdf&path=%2FACTS%2F2001%2FPublic%2F ; https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2001%2FPublic%2F905.pdf ; official index https://arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2001%2FR&start=900

Recorded check status: original failed and index only access preserved

Actual scope and limits: F/index: official index identifies UETA Act905; the body routes and index-linked attempt did not yield the act. No original-act or complete current-chain read claimed.
Direct source URLs: https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=905.pdf&path=%2FACTS%2F2001%2FPublic%2F
https://arkleg.state.ar.us/Home/FTPDocument?path=%2FACTS%2F2001%2FPublic%2F905.pdf
https://arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2001%2FR&start=900
https://arkleg.state.ar.us/Acts/FTPDocument?ddBienniumSession=2001%2FR&file=905.pdf&path=%2FACTS%2F2001%2FPublic%2F&utm_source=chatgpt.com
https://arkleg.state.ar.us/Acts/SearchByRange?ddBienniumSession=2001%2FR&start=900&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalexactfailed/partial/challenge/redirect observations retained. Index/link is not operativeact/signedfiling. No repeat/routearound/challenge submission.

S_AR-P10-S018 Saved research record

Arkansas Supreme Court, Barwick, 2011 Ark.128. https://law.justia.com/cases/arkansas/supreme-court/2011/58424.html ; PDF https://cases.justia.com/arkansas/supreme-court/58424.pdf?ts=1462300074

Recorded check status: selected primary opinion reproduction with judicial holds

Actual scope and limits: R: complete material majority, seven pages; holding printed6–7/PDF5–6, final-page image read. March31,2011; affirmed summary judgment. Official navigation failed: https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do . No full citator.
Direct source URLs: https://law.justia.com/cases/arkansas/supreme-court/2011/58424.html
https://cases.justia.com/arkansas/supreme-court/58424.pdf?ts=1462300074
https://opinions.arcourts.gov/ark/supremecourt/en/nav_date.do
https://law.justia.com/cases/arkansas/supreme-court/2011/58424.html?utm_source=chatgpt.com
https://cases.justia.com/arkansas/supreme-court/58424.pdf?ts=1462300074&utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Barwick actualcaption,date,undisputedstatutory-interpretationposture andwritingholding selected. Gap56–60 not returned; no fullmajority/citator/actualcollectionmailing/E-SIGNconstruction accepted. Opinion footnote statesGEICOproperidentitydispute; no externalpartylookup.

S_AR-P10-S019 Saved research record

OLRC, 15USC7001. https://uscode.house.gov/us/usc/119-124/t15/s7001/

Recorded check status: selected official ESIGN body

Actual scope, currency, and limits: P: material (a), (b), (c)(1)–(6), (d), and related retention/form provisions. Display through PL119-124, October15,2026. General effective-date note October1,2000 with stated exceptions; no special old transaction applied.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t15/s7001/
https://uscode.house.gov/us/usc/119-124/t15/s7001/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 7001a–c6 andd1–3 selected; interstatepredicate,no forced acceptance,consent/access/withdrawal,contenttiming/pre-enactmentreceiptmethod,retention. d4 onward/effectivenote not freshly complete; no actualconsumerconsent or statutorymethoddetermination.

S_AR-P10-S020 Saved research record

15USC7002. https://uscode.house.gov/us/usc/119-124/t15/s7002/

Recorded check status: official ESIGN 7002 operative body

Actual scope, currency, and limits: P: complete (a)–(c), especially anti-circumvention. Same displayed currency.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t15/s7002/
https://uscode.house.gov/us/usc/119-124/t15/s7002/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Completea–cUETApreemptionconditions/technologyneutrality/anti-circumvention and effective-note qualification. Not a specificArkansas508judgment.

S_AR-P10-S021 Saved research record

15USC7003,7006. https://uscode.house.gov/us/usc/119-124/t15/s7003/ ; https://uscode.house.gov/us/usc/119-124/t15/s7006/

Recorded check status: specific body or complete crossreference unreopened held

Actual scope, currency, and limits: P: exceptions and relevant record/signature/consumer/transaction definitions. Not a full secured-debt or court-process dossier.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t15/s7003/
https://uscode.house.gov/us/usc/119-124/t15/s7006/
https://uscode.house.gov/us/usc/119-124/t15/s7003/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t15/s7006/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalcomplete sourcerow read; notfreshstatutoryexception/preemption/definitions/statepreservation/currentnesscheck. Do not import unverifiedoptions oractualfacts.

S_AR-P10-S022 Saved research record

15USC1692c. https://uscode.house.gov/us/usc/119-120/t15/s1692c/

Recorded check status: specific body or complete crossreference unreopened held

Actual scope, currency, and limits: P: (a)–(d) freshly read, principally workplace and exception framework. Display through PL119-120, October7,2026. New successful read does not erase P07’s earlier failures.
Direct source URLs: https://uscode.house.gov/us/usc/119-120/t15/s1692c/
https://uscode.house.gov/us/usc/119-120/t15/s1692c/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalcomplete sourcerow read; notfreshstatutoryexception/preemption/definitions/statepreservation/currentnesscheck. Do not import unverifiedoptions oractualfacts.

S_AR-P10-S023 Saved research record

15USC1692g,1692n. https://uscode.house.gov/us/usc/119-124/t15/s1692g/ ; https://uscode.house.gov/us/usc/119-124/t15/s1692n/

Recorded check status: specific body or complete crossreference unreopened held

Actual scope, currency, and limits: P: material writing, pause, response and state-law-preservation provisions. Display through October15,2026.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t15/s1692g/
https://uscode.house.gov/us/usc/119-124/t15/s1692n/
https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t15/s1692n/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalcomplete sourcerow read; notfreshstatutoryexception/preemption/definitions/statepreservation/currentnesscheck. Do not import unverifiedoptions oractualfacts.

S_AR-P10-S024 Saved research record

CFPB, 12CFR1006.2. https://www.consumerfinance.gov/rules-policy/regulations/1006/2/

Recorded check status: selected posted federal LCM text

Actual scope, currency, and limits: Official current posted rule and interpretations: material communication/attempt/LCM definitions only.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/2/
https://www.consumerfinance.gov/rules-policy/regulations/1006/2/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Required/optionalLCMfields,knownthird-party andmeaningful-identityinterpretations selected. Earlierpartdefinitionsnotfresh; actualstatename/script/harmonization held.

S_AR-P10-S025 Saved research record

§1006.18. https://www.consumerfinance.gov/rules-policy/regulations/1006/18/

Recorded check status: selected posted federal identity disclosure text

Actual scope, currency, and limits: Material true business name, disclosures, translations, assumed employee name, and LCM/callback interpretations.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/18/
https://www.consumerfinance.gov/rules-policy/regulations/1006/18/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Posted18a–fselectedoperative/LCMcallback/truebusinessname/employeeconsistenttraceablealias/samelanguage disclosures. Othercrossreferences/currentannualchain/actualmessage facts held.

S_AR-P10-S026 Saved research record

§1006.34. https://www.consumerfinance.gov/rules-policy/regulations/1006/34/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34

Recorded check status: selected posted federal layout translation text

Actual scope, currency, and limits: Material (d)–(e), relevant (a)–(c), and official interpretations. eCFR displayed Title12 through October23,2026. Title-wide amendment date is not asserted as a §34 amendment.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/34/
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34
https://www.consumerfinance.gov/rules-policy/regulations/1006/34/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Substantiallysimilar/separatepage/optionalstate-addition/reverse/notbehindcoupon/emailbelow/prominence/generateddate/translation conditions selected. Actualimage/formpixels,ecfrcurrency/completevalidationinfo/applicability not freshly authenticated.

S_AR-P10-S027 Saved research record

CFPB, Appendix B / Model B-1. https://www.consumerfinance.gov/rules-policy/regulations/1006/b/ ; image https://files.consumerfinance.gov/f/images/cfpb_regulations_1006-B-1.original.png

Recorded check status: researcher model image observation unreopened by coordinator

Actual scope, currency, and limits: Official generic model image actually inspected. No named-provider specimen, translation, or completed template supplied or approved.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/b/
https://files.consumerfinance.gov/f/images/cfpb_regulations_1006-B-1.original.png
https://www.consumerfinance.gov/rules-policy/regulations/1006/b/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: OriginalgenericB1imageinspection and fieldcomparison remain researcher-attributed. No freshmodelimagepixels/actualspecimen/translation/approval or fullfield visualcomparison claimed; operativefedlayoutrules separatelychecked.

S_AR-P10-S028 Saved research record

§1006.38. https://www.consumerfinance.gov/rules-policy/regulations/1006/38/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38

Recorded check status: precise same program dated federal response body

Actual scope, currency, and limits: Material consumer-writing interpretations, original-creditor, duplicate, pause and safe-harbor provisions. eCFR through October23,2026.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/38/
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38
https://www.consumerfinance.gov/rules-policy/regulations/1006/38/?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 1006.38operative/comments read earlier with fullretainednativepackets:acceptedwriting,pause,original-creditor,duplicate/newmaterial/notice-reference. Mirrorwrongcommentii/iii alreadyknownhistorically; no newcorrectedofficialchain/stateincorporation.

S_AR-P10-S029 Saved research record

§1006.42. https://www.consumerfinance.gov/rules-policy/regulations/1006/42/ ; eCFR https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42

Recorded check status: precise same program dated federal delivery body

Actual scope, currency, and limits: Complete operative sending provisions and relevant failed-delivery/opt-out interpretations. eCFR through October23,2026.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/42/
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42
https://www.consumerfinance.gov/rules-policy/regulations/1006/42/?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 1006.42completeoperative/a1comments actualnotice/retainability/knownfailure/optout/exceptions/designatedESIGNlist. Datedreuse,notfreshopening;state508integration/application held.

S_AR-P10-S030 Saved research record

§1006.104. https://www.consumerfinance.gov/rules-policy/regulations/1006/104/

Recorded check status: specific body or complete crossreference unreopened held

Actual scope, currency, and limits: Current posted state-law relationship and interpretation; not a specific Arkansas determination.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1006/104/
https://www.consumerfinance.gov/rules-policy/regulations/1006/104/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalcomplete sourcerow read; notfreshstatutoryexception/preemption/definitions/statepreservation/currentnesscheck. Do not import unverifiedoptions oractualfacts.

S_AR-P10-S031 Saved research record

Supplied P07/MN11 history, including earlier failed §1692c routes: https://uscode.house.gov/us/usc/119-124/t15/s1692c/ and https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1692c&num=0&edition=prelim ; prior FTC compendium https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text ; prior Cornell holiday fallback https://www.law.cornell.edu/uscode/text/5/6103

Recorded check status: historical provenance only not new authority

Status: H: preserved as historical access limitations, not freshly read substantive support here. P10 freshly opened S022’s October7 release and S019’s October15 E-SIGN body. Earlier FTC2010/Cornell limits and the reviewed-case/citator limits remain unchanged. No legal premise is taken from unreviewed P06/P08/P09.
Direct source URLs: 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
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
https://www.law.cornell.edu/uscode/text/5/6103
https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text?utm_source=chatgpt.com
https://www.law.cornell.edu/uscode/text/5/6103?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: ExactP07/MN11failedroutes/FTC2010/Cornellfallbackhistory retained; notfreshsourcebody/currentlaw/actualcase support.

What was examined—and what is still missing

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.

Search this report’s coverage and gaps

coverage-1 Saved research record

K09 — Workplace

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Act990 repeal/renumbering body obtained; current statutory/rule wording compared with federal employer restriction.
Remaining status and exact next evidence: Partial. Actual home-letter, return, answer, employer knowledge, consent/court-order facts absent; complete current amendment/commencement chain held.
P10 claims: C003–C004, C012–C013

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-2 Saved research record

K16 — Limited-content voicemail

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: State attempt/communication, true-name, alias and federal LCM clauses mapped.
Remaining status and exact next evidence: Construction held. Obtain responsive published Arkansas majority or final Board interpretation of CAR302/§505 with LCM; actual name/script facts absent.
P10 claims: C014–C024, C073

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-3 Saved research record

K22 — Model-form safe harbor

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Actual B-1 image and operative safe-harbor/layout/translation provisions compared.
Remaining status and exact next evidence: Generic comparison completed; actual form held. Need actual specimen, facts, delivery method and state interpretation.
P10 claims: C061–C069, C071

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-4 Saved research record

K28 — Deceptive forms/disclosures

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Relevant state false-source, true-name, third-party-participation and federal language clauses read.
Remaining status and exact next evidence: Partial. Actual document, representations, language, employee identity and legal sufficiency absent.
P10 claims: C016–C018, C024, C070

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-5 Saved research record

Q01 — Arkansas consumer-conduct Code

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Official Act1455 material bodies freshly read and compared with2025 §§502–508/511/512.
Remaining status and exact next evidence: Currentness held. Readable official integrated current sections or complete later enactment/codification chain; exact commencement.
P10 claims: C001–C002, C005–C006, C072

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-6 Saved research record

Q02 — Workplace amendment

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Official Act990§25 obtained; current(11)/old(12) explanation supported.
Remaining status and exact next evidence: Body gap closed; currency/application partial. Exact effective/transition record and later-law chain remain.
P10 claims: C003–C004

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-7 Saved research record

Q03 — Rule adoption/filing

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Agenda, subcommittee approval and official adopted-rule/effective-date Register entry obtained.
Remaining status and exact next evidence: Final-status/effective-listing gap closed. Signed Board adoption, filing timestamp, complete final attachment and later comparison still needed.
P10 claims: C007–C011

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-8 Saved research record

Q07 — Electronic state integration

Recorded check status: recorded; no individual primary acceptance inferred

Portion advanced or resolved: Material UETA, E-SIGN, current federal response rules and Barwick examined.
Remaining status and exact next evidence: Partial. Original Act905/current chain and direct §508 postal/shortcut construction remain held.
P10 claims: C025–C060

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-9 Saved research record

Actual statutory actors

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H01
Exact missing fact or authority: Consumer/debt/collector/agency coverage, transaction purpose and territorial facts.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-10 Saved research record

Business and individual identity

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H02
Exact missing fact or authority: Actual licensed trade style, true business name, alias consistency and traceability—no status query performed.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-11 Saved research record

Workplace predicate

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H03
Exact missing fact or authority: Actual home-letter delivery/return/answer and employer prohibition/knowledge/exception facts.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-12 Saved research record

UETA agreement and attribution

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H04
Exact missing fact or authority: Actual agreement/context, accepted channel, authorship and transaction applicability.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-13 Saved research record

E-SIGN disclosure consent

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H05
Exact missing fact or authority: Scope, nonwithdrawal, access demonstration, hardware/software change and record availability.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-14 Saved research record

Sending, receipt and content

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H06
Exact missing fact or authority: Correct system/address, processability, actual contents, acknowledgments, bounce and retention evidence.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-15 Saved research record

State postal-method integration

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H07
Exact missing fact or authority: Direct construction reconciling §508, UETA108, E-SIGN7001–7002 and §203(b).

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-16 Saved research record

Same-creditor/duplicate alternatives

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H08
Exact missing fact or authority: Controlling state application; actual prior verification, new material information and creditor identities.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-17 Saved research record

Final rule and later-law history

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H09
Exact missing fact or authority: Signed adoption/filing record, final attachment comparison, later amendments and complete citator.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-18 Saved research record

Local/tribal/interstate/foreign-country law

Recorded check status: recorded; no individual primary acceptance inferred

Hold ID: H10
Exact missing fact or authority: Particular jurisdiction and source; no statewide local-practice or international permission inferred.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-19 Saved research record

A

Recorded check status: recorded; no individual primary acceptance inferred

Completed analytical work: Separate dispute/request, internal knowledge, mailing and later receipt tracked.
Remaining evidence: Actual timeliness, contents, proper address and response adequacy.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-20 Saved research record

B

Recorded check status: recorded; no individual primary acceptance inferred

Completed analytical work: Consumer writing, collector consent, retention, opt-out, failure and state mailing independently varied.
Remaining evidence: Actual records and state integration authority.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-21 Saved research record

C

Recorded check status: recorded; no individual primary acceptance inferred

Completed analytical work: Business neutrality, licensed identity, employee alias, LCM content and workplace conditions separated.
Remaining evidence: Actual identity/script and controlling Arkansas compatibility ruling.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-22 Saved research record

D

Recorded check status: recorded; no individual primary acceptance inferred

Completed analytical work: Duplicate/new-material/same-creditor branches and layout alternatives distinguished.
Remaining evidence: Actual prior response, new evidence, creditor identity and final specimen comparison.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-23 Saved research record

Credentials, fees and security

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D01
Remaining scope: No P06 licensing or bond findings adopted.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-24 Saved research record

CSO/CROA/provider contracts

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D02
Remaining scope: No P08 findings adopted.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-25 Saved research record

Court entry, service, default and relief

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D03
Remaining scope: No P09 clocks or holdings imported.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-26 Saved research record

Limitations, renewal and enforcement

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D04
Remaining scope: No underlying or judgment-clock determination.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-27 Saved research record

Bank, earnings and property

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D05
Remaining scope: No garnishment, tracing or exemption report repeated.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-28 Saved research record

Full communications, reporting and remedies

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D06
Remaining scope: P07 broad report not rerun; full TCPA/FCRA/privacy/damages work remains separate.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

coverage-29 Saved research record

Full Arkansas/parent acceptance

Recorded check status: recorded; no individual primary acceptance inferred

Deferred ID: D07
Remaining scope: Local, tribal, country, sector and all broader dimensions remain open.

Recorded coordinator check boundaries

coordinator acceptance: component_partial_not_accepted_remaining_required_work
coordinator review note: Exactrow/cells reconciled;originalpartial/construction/currentness/finalfiling/actualfact/deferredholdsretained. FreshAct990timeoutandbareimage/scanlimitskeepcoordinatorverificationholdsopen. No actualtemplate/identity/script/mailing substitution/parent acceptance.

Corrections, review and scope

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

scoped review complete with source construction currentness application holds

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Original saved Markdown SHA-256: 8639aa451c589f125105a85fe299ba1b22db11809b3b5450666c100f3322dafb. Public formatting, private-reference removal and correction annotations are separate from that immutable original.