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SAZ Interest, usury, contractual charges, and judgment interest

S_AZ · pass-12Captured 2026-10-2717 tables · 87 claim records · 52 source recordsScoped coordinator review completed

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S_AZ PASS-12 — Interest, usury, contractual charges, and judgment interest

This pass establishes a conditional rate-and-charge framework, not one Arizona ceiling that applies to every consumer debt. The governing rule depends on the transaction, creditor, written agreement, applicable special statute, and relevant date. Ordinary contract interest, regulated consumer-loan charges, credit-card charges, and judgment interest require separate tests.

All research reported here was accessed on October 27, 2026, in both UTC and Pacific time. Logged session clock checks ran from 15:48:13 UTC / 08:48:13 PDT to 16:19:17 UTC / 09:19:17 PDT. Individual source-opening timestamps were not logged and are unknown. October 22 is the requested baseline, not this pass’s verification date.

The principal findings are:

Ordinary Arizona obligations: A.R.S. § 44-1201(A)(2) supplies 10% annually unless a different rate is contracted for in writing, subject to other applicable law. That does not eliminate special consumer-loan restrictions or establish interest entitlement where the parties never contemplated interest. C003–C005.
Charges require their own authority. A permissible agreed interest rate does not automatically authorize a processing fee, insurance charge, late fee, collection expense, or attorney charge. Several statutes expressly limit additional charges. C006–C030.
Historical usury cases remain useful for classification and proof, but their former 8% ceiling is not a current Arizona ceiling. A charge can also fail as an unenforceable penalty without making the entire loan usurious or void. C031–C044.
Federal bank rules are actor-dependent. Charter, location, loan origination, applicable state law, and transfer facts matter. A “bank partner” or purchaser label proves none of those predicates. The federal transfer-interest rules and the disapproved OCC true-lender rule are distinct instruments. C050–C062.
For an otherwise qualifying new judgment entered October 27, 2026, the freshly read October 26 Federal Reserve H.15 release shows a 7.00% bank prime rate. The current statutory calculation is therefore min(10%, 1% + 7%) = 8%. A lawful written contract rate can instead govern. This is a conditional illustration, not a determination concerning any actual judgment. C070–C072; M04.
A material federal credit-card currentness conflict remains held. Official pages display incompatible late-fee figures, and a CFPB report states that the 2024 late-fee rule was vacated. The actual vacatur order and a reconciled current adjustment chain were not read. No displayed federal card late-fee dollar amount is adopted as operative here. C066.

These conclusions rest on the sources and qualifications below. azleg.gov+4

1. Reading conventions and scope

Identifiers beginning S_AZ-P12-S are source records; identifiers beginning S_AZ-P12-C are claims. Short references such as S002 and C003 below refer only to this pass’s corresponding full identifiers.

Claim types:

T: directly read statutory or regulatory text.
J: published judicial holding, within its posture and operative version.
I: stated inference from those sources.
X: conditional fictional calculation.
G: unresolved evidence or application gap.

“High” confidence means confidence in the bounded text or holding described. It does not certify every amendment, later case, transaction fact, or application.

The full literal URLs are in the source register. Multiple sections grouped under one statutory compilation are not independent corroborating documents. Repeated descriptions in the case, currentness, and coverage tables are tracking views of the same evidence.

2. Atomic claim and legal-evidence matrix

2.1 Arizona architecture, ordinary obligations, and special charge regimes

Claim ID	Actor, event, rule, and consequence	Conditions, units, proof, and limits	Exact authority	Type / confidence
S_AZ-P12-C001	The constitutional provisions read protect contractual obligations and prescribe enactment/initiative mechanisms; they do not themselves supply the numerical ordinary-loan rate used in this report.	A complete constitutional amendment inventory was not established. No constitutional numerical ceiling is invented. Contract protection does not validate an otherwise unenforceable penalty.	S001, art. II § 25; art. IV pt. 1 § 1; S025, ¶¶ 40–41.	T/J/G; high within read scope
S_AZ-P12-C002	Arizona statutes are not retroactive unless expressly declared; the applicable enactment and its transition language therefore matter.	This is not a substitute for construing a particular transition clause. General effective-date tables must be read with each act’s own provisions.	S006, § 1-244; S001, art. IV pt. 1 § 1(3); S009.	T; high
S_AZ-P12-C003	For an ordinary loan, indebtedness, or other obligation within § 44-1201(A)(2), interest is 10% annually unless a different rate is contracted for in writing; a lawful written agreed rate governs.	“Any rate” in this general provision does not displace a genuinely applicable special statute. Agreement, scope, and lawful rate remain proof questions.	S002, § 44-1201(A)(2); S024.	T/J; high, conditional application
S_AZ-P12-C004	Absence of an agreed interest rate is not always an entitlement to interest throughout the loan term.	Fleming upheld the finding that interest was not contemplated on the oral family loans; it separately addressed prejudgment interest after demand. Negotiable instruments have their own text in C047.	S026, ¶¶ 14–19.	J; high, fact-specific
S_AZ-P12-C005	General rate deregulation did not erase independent consumer-loan restrictions.	Aros concerned historical licensed loans and non-interest restrictions; it does not decide every modern charge or actor classification.	S024, material majority pp. 2–13.	J; high, historical version
S_AZ-P12-C006	A non-Title-6-Chapter-5 closed-end loan with principal no greater than $5,000 falls within § 44-1205(A)’s special provisions.	Contract-rate interest may use the authorized actuarial or precomputed method. This threshold is not the separate Title 6 consumer-loan threshold.	S002, § 44-1205(A)(1).	T; high
S_AZ-P12-C007	For that § 44-1205(A) loan, a delinquency charge may be imposed on an installment not fully paid within ten days, up to the lesser of 5% of the installment or $10.	Requires the correct transaction class and actual installment/due/payment facts. It is not the Title 6 seven-day rule.	S002, § 44-1205(A)(2).	T; high
S_AZ-P12-C008	Certain non-card revolving accounts with agreed credit limits no greater than $10,000 fall under § 44-1205(B).	Consumer revolving loans governed by Title 6 and check-loan accounts are excluded from the described loan route. Monthly-billing or actual-daily balances and the separate ten-day delinquency provision apply as stated.	S002, § 44-1205(B).	T; high
S_AZ-P12-C009	Under the qualifying state credit-card route, specified contract-authorized charges may be collected as interest and included in account balances.	Section C lists periodic, transaction, minimum-interest, late, returned-payment, stop-payment, overlimit, document, account-administration, and electronic/interchange charges. Sections D and G restrict classification and election. Federal limits remain separate.	S002, § 44-1205(C), (D), (G).	T; high, federal overlay unresolved where noted
S_AZ-P12-C010	For § 44-1205(A)–(C) loans, additional service/expense charges are restricted; a charge is not permitted merely because a third party actually received it.	Section E lists authorized actual lawful expenses and exceptions. Collection referral permits the stated costs, expenses, and reasonable outside-attorney fees. Receiving aggregate charges above the section’s authorization makes the loan usurious under its express text.	S002, § 44-1205(E).	T; high
S_AZ-P12-C011	Full prepayment of a qualifying precomputed § 44-1205(A) loan requires the prescribed unearned-interest rebate; the Rule of 78s is prohibited.	Written day-count choices include specified 30/360 or daily conventions. No one convention is imposed on every Arizona loan.	S002, § 44-1205(A)(1)–(2), (H).	T; high
S_AZ-P12-C012	Retail installment and retail charge classifications depend on the transaction definitions, not a lender’s label.	Section 44-6001 defines cash price, finance charge, goods, holder, principal balance, retail installment transaction, retail seller, and services. Its goods definition excludes motor vehicles; “commercial” versus consumer treatment must be separately identified.	S002, § 44-6001.	T; high
S_AZ-P12-C013	A qualifying retail installment contract may use the agreed finance-charge rate and authorized computation method.	Full prepayment requires the statutory unearned-charge rebate; the Rule of 78s is prohibited. This is credit-sale law, not proof that every sale is a cash loan.	S002, § 44-6002(A)–(B).	T; high
S_AZ-P12-C014	The retail consumer delinquency provisions use $5 for an installment of $25 or less and $10 for a larger installment, under the stated ten-day condition.	The commercial-transaction provision is different. Do not substitute its percentage charge for a consumer charge or combine mutually alternative methods.	S002, § 44-6002(B), (F), (G), (J).	T; high
S_AZ-P12-C015	Retail charge-account finance charges depend on the authorized balance method and billing cycle; the text also contains a 50-cent minimum-finance-charge provision.	The balance-method and account qualifications must be met. A credit-card account may invoke a different whole-statute election under § 44-1205(D).	S002, § 44-6002(D)–(F); § 44-1205(D).	T; high
S_AZ-P12-C016	Dishonored-payment charges require actual dishonor and the correct statutory branch.	Section 44-6852 states up to $25 plus actual institution charges, subject to its exception. Section 44-6002(H) uses a different retail formula. Their application to a particular overlapping transaction was not authoritatively reconciled; no stacking is assumed.	S002, §§ 44-6852, 44-6002(H); S007, limited cross-reference read.	T/G; amounts read, overlap held
S_AZ-P12-C017	Title 6 consumer-lending classification uses individual personal/family/household purpose and defined principal/credit-limit thresholds.	Closed-end principal and revolving limit thresholds are generally $10,000 in the definitions. Regular-business and Arizona-resident activity predicates also matter; fees are treated as specified for the threshold.	S003, § 6-601(4)–(9), (16).	T; high
S_AZ-P12-C018	Title 6 exemptions and activity limitations must be tested before its rate rules are applied.	Section 6-602 contains institution-, activity-, amount-, and out-of-state-related qualifications. Section 6-603 prohibits evasion of its licensing predicate. No actual actor is classified here.	S003, §§ 6-602, 6-603(A)–(B).	T/G; text high, actual status held
S_AZ-P12-C019	A qualifying licensee’s closed-end consumer loan is subject to the § 6-632(A) rate structure.	Up to $3,000: 36% consumer-loan rate. Above $3,000: 36% on the initial $3,000 and 24% above it, or the specified scheduled-maturity blended alternative. A simple weighted rate for one balance is not automatically the amortizing-loan blend.	S003, § 6-632(A)(1)–(2).	T; high
S_AZ-P12-C020	A qualifying consumer revolving loan uses the § 6-632(B) periodic-rate structure.	Limits no greater than $3,000 use the stated 36% annual equivalent. For higher limits, the outstanding-balance tiers are 36% through $3,000 and 24% above, or the prescribed monthly blend.	S003, § 6-632(B).	T; high
S_AZ-P12-C021	A qualifying variable consumer revolving rate must use an index outside the licensee’s control.	Unless readily verifiable by the consumer, the adjustment requires conspicuous notice at least one monthly cycle beforehand. Movement is limited to three percentage points in twelve consecutive months and seven above/below the initial rate.	S003, § 6-632(C).	T; high
S_AZ-P12-C022	The qualifying Title 6 origination fee is no more than 5% of principal or agreed revolving limit, capped at $150.	No new origination fee on the specified refinancing/renegotiation within one year of collecting a prior fee; no such fee with the specified residence-secured points charge.	S003, § 6-635(A)(4).	T; high
S_AZ-P12-C023	The Title 6 delinquency charge is 5% of an installment not fully paid within seven days after its due date.	Correct loan classification, installment amount, due date, and actual credit date are necessary. It is not a universal Arizona late-fee formula.	S003, § 6-635(A)(1).	T; high
S_AZ-P12-C024	Title 6 permits only its enumerated finance charges and additional amounts.	Actual qualifying third-party/security expenses, authorized insurance and deferral fees, court costs, and reasonable non-salaried outside-attorney fees have separate predicates. Section C prohibits further direct or indirect amounts. Secured-enforcement expense cross-references remain deferred.	S003, § 6-635(A)–(C).	T/G; high within read provisions
S_AZ-P12-C025	Title 6 insurance charges require the statutory product, voluntariness, disclosure, and insurer/agent predicates.	Except the stated security-property coverage, insurance is optional. Written cancellation within thirty days after the loan is made triggers the stated full-premium refund. Other unearned-premium calculations incorporate provisions not fully read here.	S003, § 6-636(A)–(I); S015, R20-4-534.	T/G; bounded high
S_AZ-P12-C026	Title 6 separates unpaid principal, authorized financed fees, and finance charges; it prohibits compounding finance charges.	The statute authorizes specified daily/monthly methods. Actuarial payments apply first to finance charges and then principal. A precomputed loan is not deemed compounding merely because it is precomputed.	S003, §§ 6-601(1), 6-633(A)–(D).	T; high
S_AZ-P12-C027	Precomputed consumer loans have specific installment, prepayment, deferral, and acceleration-rebate rules.	The statutory 30/360 convention and actuarial rebate must not be replaced with a generic payoff formula. Authorized deferral charges depend on deferred amount and time; acceleration requires the specified unearned-charge treatment.	S003, § 6-634; S015, R20-4-503, -508.	T; high
S_AZ-P12-C028	Deferral administration cannot be used to manufacture an additional charge where the rule requires application of a sufficient payment to the delinquent installment and late charges.	The rules require a deferral statement and specified loan/insurance records. These are record and transaction duties, not proof any actual charge was earned.	S015, R20-4-518, -519, -524, -534.	T; high
S_AZ-P12-C029	Section 6-632(F)’s protection for specified preexisting loans modified with no more than $100 in new cash traces to the 2014 amendment.	The act and general effective-date table support July 24, 2014. The Legislative Council’s suggested date clarification is a recommendation, not an enacted textual amendment. Actual loan and modification dates remain necessary.	S010, § 2; S009; S011, printed p. 19/PDF index 22; S003, § 6-632(F).	T/I; high date chain, conditional facts
S_AZ-P12-C030	A Title 6 “consumer loan rate,” federal disclosure APR, and total cash cost are not interchangeable measurements.	The state definition excludes specified points/fees from its consumer-loan-rate measure; federal APR depends on its own finance-charge and timing rules. Neither a disclosed APR nor a net-cash ratio alone establishes state usury.	S003, § 6-601(2), (3), (8), (11); S041, §§ 1026.4, 1026.22(a)(1).	T/I; high

The statutory distinctions above are consequential: the general written-rate provision coexists with express limits on particular charges and products. The current § 44-1205 and § 6-635 bodies expressly restrict additional charges; the latter’s $150 origination cap is supported by the read statute and amendment, not an inflation calculation. azleg.gov+3

2.2 Charge characterization, proof, remedies, and nonbank assignment boundaries

Claim ID	Actor, event, rule, and consequence	Conditions, proof, and limits	Exact authority	Type / confidence
S_AZ-P12-C031	A lender cannot necessarily remove compensation from interest by calling it a service fee.	Grady distinguished reasonable specific services/expenses from general overhead or percentage charges; a claimed separate legal-services bonus required factual determination. Its numerical ceiling was historical.	S018, 94 Ariz. at 254–58.	J; high, historical rate
S_AZ-P12-C032	Reasonableness and actual services matter to fee characterization; unused/prepaid service fees do not automatically prove usury.	Altherr placed the reasonableness burden on the recipient after prima facie excess was shown and addressed refund/credit of unused fees. Actual fee purpose, services, and full transaction matter.	S019, 104 Ariz. at 61–65.	J; high, historical transaction
S_AZ-P12-C033	Substance controls whether a purported sale is actually a loan or forbearance.	Britz applied intent, money, loan/forbearance, absolute repayment, and excessive-return elements. Unequivocal excessive terms supported an intent presumption; awareness of illegality was unnecessary. No general clear-and-convincing standard was established in this pass.	S020, 87 Ariz. at 390–94.	J/G; high bounded holding
S_AZ-P12-C034	A borrower-controlled default contingency did not make the Small transaction usurious at inception on its facts.	The creditor waived capitalized interest and sought actual advances plus the stated rate. This is not a safe harbor for every late fee, accelerated unearned charge, or penalty.	S021, 90 Ariz. at 195–202.	J; high, narrow
S_AZ-P12-C035	Charging beyond the agreement may raise a usury issue, but Wieman did not decide that the loan was usurious.	It reversed attorney sanctions because the defense was arguable after deregulation. Treating it as a merits judgment would overstate the holding.	S017, 166 Ariz. at 285–86.	J; high
S_AZ-P12-C036	A liquidated-damages charge is tested against anticipated or actual loss and difficulty of proving loss; the challenger bears the penalty burden identified in Dobson.	No universal percentage safe harbor. The inquiry is distinct from the interest-rate test.	S025, ¶¶ 9–17.	J; high
S_AZ-P12-C037	Dobson invalidated the challenged balloon-payment late charge as an unenforceable penalty.	Existing default interest and collection-cost compensation mattered. The decision did not void the whole loan; provable uncompensated actual damages remained possible.	S025, ¶¶ 21–42.	J; high, commercial facts
S_AZ-P12-C038	A reasonable attorney-fee award in a contested contract action is discretionary under § 12-341.01.	Successful-party status, reasonableness, and statutory limits must be established; a requested fee is not automatically an account charge or judgment award.	S005, § 12-341.01(A)–(C).	T; high
S_AZ-P12-C039	A person contracting for, reserving, or receiving excessive interest on a loan or forbearance under § 44-1202 forfeits all interest.	Requires an applicable legal maximum and the statutory violation. It is not a universal principal-forfeiture provision.	S002, § 44-1202.	T; high
S_AZ-P12-C040	Payments of usurious interest or inducements, including qualifying advance deductions, are credited against principal under § 44-1203.	The lender’s recovery is limited to remaining principal without interest under that provision. Actual receipt/deduction and usury classification must be proved.	S002, § 44-1203.	T; high
S_AZ-P12-C041	Section 44-1204 permits the specified setoff/counterclaim and recovery of payments exceeding principal.	Its first paragraph permits an excess judgment with 10% annual interest; its second permits an action for the excess. This pass did not establish the independent-action limitation period or every interest-start issue. No automatic double recovery.	S002, § 44-1204, both paragraphs.	T/G; high text, clock held
S_AZ-P12-C042	Title 6 has materially different remedies for prohibited consumer-loan charges.	Subject to the accidental/bona-fide-error exception, § 6-613(A) distinguishes closed-end principal or revolving aggregate advances of $5,000 or less from larger amounts. The smaller category’s voidability/no-principal-or-charge consequences must not be generalized to the larger category.	S003, § 6-613(A).	T; high
S_AZ-P12-C043	A loan made without a required Title 6 license has the separate voidness/no-collection-or-retention consequence stated in § 6-613(B).	Whether a license was required is an indispensable predicate. This report makes no actual licensing finding and does not reuse PASS-06.	S003, §§ 6-602, 6-603, 6-613(B).	T/G; high text
S_AZ-P12-C044	Transamerica recognized the historical borrower’s contract action under the consumer-loan scheme without requiring administrative exhaustion.	It rejected dismissal, not found every alleged violation true. Together with Aros, it supports treating special statutory duties seriously, not an automatic modern damages judgment.	S023, 158 Ariz. at 116–18; S024.	J; high, historical provisions
S_AZ-P12-C045	Article 3 holder rules first require a qualifying negotiable instrument.	A generic account, credit-card statement, or portfolio sale is not automatically such an instrument. Fixed-money, payment, undertaking, and other § 47-3104 predicates matter.	S004, §§ 47-3102, 47-3104.	T; high
S_AZ-P12-C046	Holder-in-due-course protection is conditional, not a generic assignee immunity.	Value, good faith, notice, overdue/default, bulk-transfer, and preserved consumer-law conditions matter. Section 47-3305 distinguishes defenses, including illegality that nullifies the obligation under other law. Actual HDC status, consumer-holder rules, and specific usury effects remain held.	S004, §§ 47-3302, 47-3305(A)–(C).	T/G; high predicates
S_AZ-P12-C047	For a qualifying instrument, interest must be provided by the instrument; the rate may be fixed, variable, or externally described.	If the specified amount cannot be ascertained, § 47-3112 supplies its stated judgment-rate fallback at the relevant place/time. This is not the rule for every consumer account.	S004, § 47-3112.	T; high
S_AZ-P12-C048	Burr upheld the selected Colorado rate on the substantial-relationship facts before it.	Loan preparation, disbursement, repayment location, historical rates, and absence of evasion mattered. It does not establish that any choice clause defeats current Arizona consumer protection.	S022, 105 Ariz. at 550.	J; high, limited choice holding
S_AZ-P12-C049	Qualifying federally insured or guaranteed loans can invoke the special exemption in § 44-1206.	Actual program, insurance/guarantee, transaction, and federal conditions were not established. The provision is a boundary, not permission for an ordinary unlabeled loan.	S002, § 44-1206.	T/G; high text

The fee-characterization cases were read as judicial opinions, not headnotes. Their older ceilings are expressly historical. Dobson supplies a separate penalty analysis, while Wieman supplies only the narrower sanctions/arguability holding stated above. law.justia.com+5

2.3 Federal actor gates, exportation, transfer, and disclosure distinctions

Claim ID	Actor, event, rule, and consequence	Conditions, units, and limits	Exact authority	Type / confidence
S_AZ-P12-C050	A genuine national bank’s interest authority begins with 12 U.S.C. § 85.	Bank location, applicable state allowance, statutory alternative rate, and most-favored-lender conditions must be established. A consumer’s residence or a purchaser’s label does not establish them.	S030, § 85; S031, § 7.4001.	T; high predicates
S_AZ-P12-C051	Marquette permitted the national bank to charge its home-state-authorized rate to out-of-state card customers on the facts before the Court.	The bank’s relevant operations were in Nebraska; customer residence did not relocate it. Modern multi-location and true-originator questions are not decided by that fact pattern alone.	S045, 439 U.S. at 301–04, 308–19.	J; high bounded holding
S_AZ-P12-C052	Federal “interest” for § 85 includes specified nonperiodic charges, including late fees.	Smiley upheld the OCC interpretation. Section 7.4001 distinguishes credit/default compensation from ordinarily excluded appraisal, insurance, finder, document, notary, and credit-report charges. These are federal classifications, not universal Arizona exclusions.	S046, 517 U.S. at 737–47; S031, § 7.4001(a).	J/T; high, later-review caveat C082
S_AZ-P12-C053	Insured state-bank rate authority is separately governed by § 1831d and FDIC rules.	Insured status, state/location, rate authority, loan-making facts, relevant opt-out questions, and material conditions must be proved. Definitions incorporated from other statutes were not exhaustively read.	S030, § 1831d(a); S032, §§ 331.2–331.4.	T/G; high text
S_AZ-P12-C054	Federal savings-association rate authority follows its own statute and regulation.	Section 1463(g) and § 160.110 do not establish that a merely affiliated nonbank is the qualifying association.	S030, § 1463(g)(1); S031, § 160.110.	T/G; high text
S_AZ-P12-C055	The read OCC and FDIC rules preserve permissible interest through specified transfers.	Permission at origination is indispensable. The rules do not themselves determine the true lender, authenticate a charter, validate every fee, or resolve all subsequent litigation/opt-out questions.	S031, §§ 7.4001(e), 160.110(d); S032, § 331.4(e); S034–S035.	T/G; high text, application held
S_AZ-P12-C056	Congress disapproved the separate 2020 OCC true-lender rule in 2021.	Public Law 117-24 identifies that rule as having no force or effect. It does not identify the separate permissible-interest-on-transfer rule as the disapproved instrument.	S036, 135 Stat. 296.	T; high
S_AZ-P12-C057	Section 86 supplies the national-bank usury consequences for knowingly excessive interest.	Forfeiture concerns interest; paid interest can support twice the interest paid, recoverable from the bank by the statutory claimant. The text uses two years from the usurious transaction. Actual payment and transaction timing are necessary.	S030, § 86.	T; high; no actual recovery finding
S_AZ-P12-C058	Section 1831d(b) supplies its distinct insured-state-bank remedy where its preemption conditions apply.	Knowingly excessive interest, actual payment, statutory claimant/defendant, and the text’s two-years-after-payment condition must be established. Do not substitute § 86’s wording.	S030, § 1831d(b).	T; high
S_AZ-P12-C059	Section 1463(g)(2) contains the savings-association remedy.	It distinguishes interest forfeiture from twice-interest-paid recovery and specifies its payment-based two-year condition. It is not a remedy automatically available against any later collector.	S030, § 1463(g)(2).	T; high
S_AZ-P12-C060	For ordinary qualifying federal-credit-union loans, the statute’s 15% framework permits a Board-established higher temporary ceiling.	The official February 2026 letter extends the 18% ceiling through September 10, 2027. Specialized PAL exceptions are not fully analyzed. State-chartered credit unions are not automatically FCUs.	S030, § 1757(5)(A)(vi)–(vii); S033, § 701.21(c)(7); S038.	T/official notice; high bounded ceiling
S_AZ-P12-C061	The 2026 NCUA rule places material federal-credit-union preemption provisions in § 701.5.	The interim final rule’s effective date is June 30, 2026. Preserved state subjects and fee-safety/soundness conditions remain material; the rule is not a general exemption for any business calling itself a credit union.	S033, § 701.5(a)–(d); S037.	T/G; high text, litigation history not certified
S_AZ-P12-C062	The FCU statutory usury remedy differs from the bank double-interest provisions.	Section 1757 provides forfeiture and recovery of the entire interest paid under its knowing-violation predicates, with a two-year-from-collection condition. It does not say twice the interest paid.	S030, § 1757(5)(A)(viii)–(ix).	T; high
S_AZ-P12-C063	Regulation Z’s finance-charge classification is a disclosure classification, not an Arizona fee authorization.	Its exclusions include certain application fees and unanticipated late/default charges; a discount not passed to the consumer is treated differently from a consumer-imposed charge. Coverage and exact facts remain necessary.	S041, § 1026.4(a), (b)(1)–(2), (c)(1)–(2), official comment 4(a)-2.i.	T; high within read portions
S_AZ-P12-C064	A disclosure APR measures credit cost through amount and timing; it is not automatically the legal usury numerator or ceiling.	The applicable state statute may include/exclude charges differently. The general TILA state-law provision at 15 U.S.C. § 1610 was not recovered.	S041, § 1026.22(a)(1), comments 1–4; S003, § 6-601; S049.	T/I/G; high distinction
S_AZ-P12-C065	Covered consumer credit-card rate/fee increases face § 1026.55 restrictions and qualified exceptions.	Public uncontrolled-index changes, promotional periods, delinquency, and workout arrangements have different conditions. The read delinquency exception uses sixty days and six subsequent timely minimum payments. Necessary § 1026.9 notice bodies were not fully read; no actual increase is cleared.	S042, § 1026.55(a), (b)(1)–(5), (c)–(e).	T/G; high read text
S_AZ-P12-C066	No current numerical federal credit-card late-fee cap is selected in this pass.	CFPB and eCFR displays conflict, and S043 reports an April 2025 vacatur. The actual order, precise affected text, surviving rule, and current adjustment notice remain necessary. The report is not the judgment itself.	S041–S043; S043 § 2.2.2, printed p. 26/PDF index 25.	G; explicit hold
S_AZ-P12-C067	Most-favored-lender analysis cannot cherry-pick a rate while ignoring legally material conditions.	Arizona expressly treats specified revolving-account terms and conditions as material; federal rules also address the conditions associated with the relevant lender class.	S002, § 44-1205(F); S031, § 7.4001(b).	T; high

The transfer rules, statutory remedies, and actor classifications above are separate. The read federal sources do not establish the charter, originator, location, or rights of any actual lender or purchaser. uscode.house.gov+7

2.4 Prejudgment interest, judgment interest, allocation, and currentness

Claim ID	Actor, event, rule, and consequence	Conditions, units, and limits	Exact authority	Type / confidence
S_AZ-P12-C068	A liquidated claim can support prejudgment interest even when liability is disputed.	The amount must be calculable from data without reliance on opinion or discretion under the read holdings. A statement or demand does not itself prove the amount legally due.	S026, ¶¶ 17–19; S027, ¶ 11.	J; high
S_AZ-P12-C069	The prejudgment-interest starting event requires the governing obligation and demand/due facts.	Fleming used demand for the loans before it. It does not make loan origination or last payment the universal accrual date. Settlement terms may make payment due on a different event.	S026, ¶¶ 17–19; S028, 170 Ariz. at 78–80.	J/G; bounded high
S_AZ-P12-C070	A judgment based on a written agreement bearing a lawful agreed rate uses that rate and must specify it.	The ordinary statutory judgment-rate cap is not automatically imposed on that lawful contract-rate branch. Actual agreement and judgment terms remain essential.	S002, § 44-1201(A)(2), (B).	T; high
S_AZ-P12-C071	The otherwise applicable § 44-1201(B) rate is the lesser of 10% annually or one percentage point above the specified H.15 prime rate.	The freshly read October 26, 2026 release reports 7.00%; the conditional resulting rate for the illustrated October 27 judgment is 8.00%.	S002, § 44-1201(B); S044.	T/X; high conditional calculation
S_AZ-P12-C072	A change in the statutory prime-based judgment rate takes effect on the first business day after Federal Reserve publication; the judgment’s specified rate does not subsequently change.	The 2024 amendment replaced the previous entry-date wording. Actual publication, business-day, and judgment-entry facts must be known.	S008, § 1; S009; S002, § 44-1201(B).	T; high
S_AZ-P12-C073	Section 44-1201 separately restricts prejudgment interest on unliquidated/future/punitive/exemplary damages and interest on future/punitive/exemplary damages.	Medical debt and condemnation have separate provisions. They are boundaries here, not ordinary-debt rate substitutes.	S002, § 44-1201(A)(1), (C)–(G).	T/G; high ordinary boundary
S_AZ-P12-C074	A rate provision alone does not authorize periodic capitalization of interest.	Metzler states that § 44-1201 does not provide for compound interest. Whether particular awarded pre-interest, costs, or fees are part of a new judgment’s interest-bearing base was not completely resolved here. M04 avoids that uncertainty.	S027, ¶ 22; S003, § 6-633(C).	J/T/G; bounded high
S_AZ-P12-C075	For the involuntary judgment payment in Paloma, absent contrary agreement or statute, payment applied first to accrued interest and then principal.	The court distinguished voluntary-payment allocation. Actual payment, applicable order, and contrary statutory/agreement provisions remain necessary.	S029, ¶¶ 24–26 & nn. 7–8.	J; high bounded holding
S_AZ-P12-C076	Metzler treated the accepted unconditional payment covering the judgment and interest as extinguishing the obligation on its facts.	It expressly did not decide the general effect of an unaccepted tender. An offer, escrow hold, or withheld amount is not treated here as a creditor payment.	S027, ¶ 26.	J/I; high limited holding
S_AZ-P12-C077	McKeon enforced a settlement’s payment contingency and declined to add interest the agreement did not provide before payment became due.	It is not a holding that an appeal or stay universally stops interest. General stay, appeal, deposit, and supersedeas effects remain held.	S028, 170 Ariz. at 78–80.	J/G; high bounded holding
S_AZ-P12-C078	The 2011 judgment-rate amendment cannot simply be applied to every existing judgment.	Paloma preserved the earlier judgment’s rate under the transition clause; Metzler addressed a new judgment after the earlier one was vacated. The original 2011 act failed on both official routes; the transition is reported here through the read opinions.	S029, ¶¶ 19–22; S027, ¶ 25; S048.	J/G; high holdings, enactment body held
S_AZ-P12-C079	The 2025 and 2026 official affected-statute tables were screened for the relevant Title 6 and Title 44 provisions.	They are amendment indexes, not complete operative bodies or a no-later-law certificate. The discovered SB1689 draft was not used as law. The original 1980 act remains unread.	S013–S014; S051; S017.	Index/G; bounded screen
S_AZ-P12-C080	The read Proposition 209 text contains medical-interest changes and prospective/contract-protection language.	The official pamphlet is pre-election enacted-text evidence; the proclamation/effective-date chain was not freshly completed. No medical or old-contract rate is selected from it here.	S012, §§ 7–10, printed pp. 106–107/PDF indexes 105–106.	T/G; text read, commencement held
S_AZ-P12-C081	The relevant Article 5 administrative rules were read in the posted Code and against the 2023 final notice.	The final notice gives October 7, 2023 effectiveness; September 1 publication is not that effective date. Current printed compilation is Supplement 25-4.	S015–S016.	T; high read chain
S_AZ-P12-C082	Loper Bright changed the judicial deference method but did not automatically overrule every earlier statutory holding relying on Chevron.	Its majority preserves ordinary statutory stare decisis for prior holdings. This is a limited later-treatment qualification for Smiley, not a complete current citator result.	S047, slip pp. 34–35/PDF indexes 41–42.	J/G; high narrow holding
S_AZ-P12-C083	M01’s $118.36 contract-interest and $98.63 conditional 10% figures follow the expressly stipulated principal, rate, and actual/365 convention.	Fictional arithmetic; no proof of any actual agreement or interest entitlement.	S002, § 44-1201(A)(2); S026; M01 inputs.	X; arithmetic verified
S_AZ-P12-C084	M02’s $600 excess-payment result follows only after the assumed unlawful-charge classification and actual payment.	A net-cash ratio is not itself legal APR or usury proof. No unpaid proposal is treated as paid interest.	S002, §§ 44-1203–1205; S018–S019; M02 inputs.	X; legal result conditional
S_AZ-P12-C085	M03’s $108.49 finance charge, $150 origination fee, and $3,508.49 remaining principal follow the stipulated applicable regime and credits.	Aggregate interest is rounded once; rate classification, fee history, and payment facts are assumed.	S003, §§ 6-601(1), 6-632(B), 6-633, 6-635(A)(4); M03.	X; arithmetic verified
S_AZ-P12-C086	M04’s $9,120.95 statutory-rate branch and $9,181.73 lawful-contract-rate branch are conditional reconciled balances.	Order, entitlement, day count, interest base, and actual credits are stipulated; the no-remittance branch differs.	S002, § 44-1201; S029, ¶¶ 24–26; S044; M04.	X; arithmetic verified
S_AZ-P12-C087	No actual balance, rate entitlement, charter, exemption, payment, contract, or judgment is established by this research.	All such facts remain unavailable without records outside this public-law-only task. Fictional documents are not templates or evidence about an actual actor.	Scope restriction; all conditional claims above.	G; intentional factual hold

The judgment distinction is particularly important: the amended statutory reference rate is fixed for a judgment after entry, while a lawful written agreement can supply a different rate. Older judgments require transition analysis rather than mechanical substitution of the latest prime-based figure. azleg.gov+4

3. Published-opinion posture and holding register

These are 16 opinion records, not sixteen independent confirmations of one rule. Historical statutory versions, material reading bounds, and dispositions are preserved.

Case / source	Court, date, publication, posture	Material holding and disposition actually read	Version and limits
J01 — Wieman v. Roysden, S017	Arizona Court of Appeals, Nov. 27, 1990; 166 Ariz. 281; attorney-sanctions appeal.	Defense that post-default charges exceeded the agreed rate was arguable; sanctions reversed/remanded. Material pp. 285–286.	Did not adjudicate usury liability. Discusses 1980 deregulation; original 1980 act not opened.
J02 — Grady v. Price, S018	Arizona Supreme Court, June 26, 1963; 94 Ariz. 252; construction-loan usury dispute.	Percentage service charge constituted interest on the facts; separate bonus-services issue required further determination. Affirmed in part/remanded. Pp. 254–258.	Former 8% ceiling; current use is fee characterization and intent analysis.
J03 — Altherr v. Wilshire, S019	Arizona Supreme Court, Dec. 27, 1968; 104 Ariz. 59; construction financing and prepaid services.	Examined reasonable fees, unused commitments, refunds, and recipient’s burden after prima facie excess; appellate opinion vacated, trial result reversed/remanded. Pp. 61–65.	Historical cap and facts; no universal refund-equals-usury rule.
J04 — Britz v. Kinsvater, S020	Arizona Supreme Court, May 4, 1960; 87 Ariz. 385; purported sale/repurchase arrangement.	Substance was a loan; intent and excessive-return elements satisfied; judgment affirmed. Pp. 390–394.	Historical 8% law; no modern numerical ceiling imported.
J05 — Small v. Ellis, S021	Arizona Supreme Court, Dec. 13, 1961; 90 Ariz. 194; accelerated note and usury defense.	Inception and contingency analysis; creditor had waived capitalized interest and pursued actual advances plus the stated rate; reversed. Pp. 195–202.	Does not authorize accelerated unearned interest or every default charge.
J06 — Burr v. Renewal Guaranty, S022	Arizona Supreme Court, Apr. 29, 1970; 105 Ariz. 549; Colorado-made commission-secured loan.	Applied substantial-relationship/usury choice principles; upheld Colorado rate and affirmed. P. 550.	Commercial/historical facts; not blanket consumer choice-clause enforcement.
J07 — Transamerica Financial v. Superior Court, S023	Arizona Supreme Court, June 21, 1988; 158 Ariz. 115; dismissal-stage borrower class claims involving 1980–1984 loans.	Recognized historical statutory-contract action without administrative exhaustion; vacated appellate ruling/remanded. Pp. 116–118.	Alleged affiliate/loan facts were not finally adjudicated.
J08 — Aros v. Beneficial Arizona, S024	Arizona Supreme Court, Apr. 20, 1999; 194 Ariz. 62; dismissal of historical consumer-loan claims.	General interest deregulation did not erase independent consumer-loan restrictions; dismissal disposition vacated/remanded. Material majority pp. 2–13/PDF indexes 1–12.	Historical loans and former statutory structure. Official PDF read; date additionally checked in republication metadata.
J09 — Dobson Bay v. La Sonrisa, S025	Arizona Supreme Court, Apr. 25, 2017; published majority; competing summary-judgment positions concerning a commercial balloon late fee.	Applied penalty test; challenged fee unenforceable; vacated appellate opinion, reversed partial summary judgment, remanded. ¶¶ 1–42.	Majority read. Separate dissent begins printed p. 16/PDF index 15 and was not relied on. Not a consumer percentage ceiling.
J10 — Fleming v. Tanner, S026	Arizona Court of Appeals, Dec. 10, 2019; published 1 CA-CV 17-0647; family-loan judgment appeal.	No contractual term interest where none contemplated; liquidated-demand prejudgment principles; required credit against the obligation; affirmed in part/vacated in part. ¶¶ 14–30.	Official PDF fetch failed; published opinion body read at Justia.
J11 — Metzler v. BCI, S027	Arizona Supreme Court, July 11, 2014; published majority; Rule 68/prejudgment-rate dispute after new judgment.	Separated 2011 regimes; applied statutory judgment-rate branch to the particular award; addressed new judgment and accepted payment; vacated/reversed/remanded. ¶¶ 1–27.	Current Rule 68 procedure was not investigated. No generic unaccepted-tender holding.
J12 — McKeon v. Hastings, S028	Arizona Court of Appeals, Nov. 26, 1991; 170 Ariz. 75; settlement payment contingent on appellate outcome.	Enforced payment contingency and rejected additional pre-due interest; affirmed. Pp. 76–80.	Historical § 44-1201; not a general stay/appeal interest suspension rule.
J13 — Flood Control District v. Paloma Investment, S029	Arizona Court of Appeals, May 26, 2015; 237 Ariz. 322; indemnity judgment, partial payments, and amended judgment appeal.	Preserved pre-2011 judgment rate and applied interest-first allocation to involuntary judgment payments; affirmed. ¶¶ 19–27.	Official PDF fetch failed; full relevant published text read at Syfert. Underlying 2011 act quoted by court, not separately recovered.
J14 — Marquette National Bank v. First of Omaha, S045	U.S. Supreme Court, Dec. 18, 1978; 439 U.S. 299; unanimous majority reviewing state-court bank-rate dispute.	National bank could use the rate authorized where it was located on the facts; affirmed. Material pp. 301–304, 306–313, 315–319.	Official U.S. Reports PDF; intervening background portions not claimed as fully read. Modern branch/true-lender facts held.
J15 — Smiley v. Citibank, S046	U.S. Supreme Court, June 3, 1996; 517 U.S. 735; unanimous majority reviewing judgment on pleadings.	Upheld federal “interest” treatment of late fees; affirmed. Majority pp. 737–747/PDF indexes 2–12.	Chevron reasoning is historical; see J16. No actual bank or fee cleared.
J16 — Loper Bright Enterprises v. Raimondo, S047	U.S. Supreme Court, June 28, 2024; published majority.	Independent judicial statutory interpretation; prior statutory holdings retain ordinary stare decisis protection. Slip pp. 34–35/PDF indexes 41–42.	Only this material later-treatment portion read. Full majority, separate writings, and subsequent treatment not comprehensively reviewed.

No party argument, headnote, dissent, settlement allegation, or unpublished discovery item is used as a published majority holding. law.justia.com+7

4. Complete source and access register

Access notation: Every record below was accessed or attempted on 2026-10-27 UTC and 2026-10-27 PDT. This common date is part of every row. Exact individual opening time is unknown.

Read-status notation: B = fresh material body; P = partial body; IX = freshly read official index; F = failed body retrieval; D = discovery only. A republication of an opinion is identified as such.

4.1 Arizona constitutional, statutory, enactment, and rule sources

Source ID	Issuer / document and full literal HTTPS URL(s)	Exact material read; version, effect, and limits
S_AZ-P12-S001	Arizona Legislature, Constitution: https://www.azleg.gov/const/2/25.htm https://www.azleg.gov/const/4/1.p1.htm Index: https://www.azleg.gov/constitution/	B/P: art. II § 25; art. IV pt. 1 § 1(1)–(8), (13)–(14). Official displayed text. Index edition disclaimer limits a whole-constitution currentness claim; no exhaustive constitutional-rate inventory.
S_AZ-P12-S002	Arizona Legislature, Title 44: https://www.azleg.gov/ars/44/01201.htm https://www.azleg.gov/ars/44/01202.htm https://www.azleg.gov/ars/44/01203.htm https://www.azleg.gov/ars/44/01204.htm https://www.azleg.gov/ars/44/01205.htm https://www.azleg.gov/ars/44/01206.htm https://www.azleg.gov/ars/44/06001.htm https://www.azleg.gov/ars/44/06002.htm https://www.azleg.gov/ars/44/06852.htm https://www.azleg.gov/ars/44/07802.htm	B: listed section bodies read. Current displayed official compilation, checked against the material acts/indexes listed below. Medical-provider definitions, retirement-plan, escrow, and every other incorporated regime not completely read. § 44-7802 read only as a contract-evidence boundary; no actual card assent finding.
S_AZ-P12-S003	Arizona Legislature, Title 6: https://www.azleg.gov/ars/6/00601.htm https://www.azleg.gov/ars/6/00602.htm https://www.azleg.gov/ars/6/00603.htm https://www.azleg.gov/ars/6/00613.htm https://www.azleg.gov/ars/6/00631.htm https://www.azleg.gov/ars/6/00632.htm https://www.azleg.gov/ars/6/00633.htm https://www.azleg.gov/ars/6/00634.htm https://www.azleg.gov/ars/6/00635.htm https://www.azleg.gov/ars/6/00636.htm	B/P: definitions, exemptions, remedies, rate/charge/computation/insurance bodies read; § 6-603(A)–(B) and § 6-631(A)–(B) read for limited predicates. Current displayed compilation; 2014 material rate/fee act read. Secured cross-references, full licensing, and Title 20 insurance calculations deferred.
S_AZ-P12-S004	Arizona Legislature, Title 47: https://www.azleg.gov/ars/47/03102.htm https://www.azleg.gov/ars/47/03104.htm https://www.azleg.gov/ars/47/03112.htm https://www.azleg.gov/ars/47/03302.htm https://www.azleg.gov/ars/47/03305.htm	B/P: §§ 47-3102, -3104, -3112, -3302; § 47-3305(A)–(C). Subsection D and the complete consumer-holder/Article 3 regime not read. No actual negotiability or HDC finding.
S_AZ-P12-S005	Arizona Legislature, attorney fees: https://www.azleg.gov/ars/12/00341-01.htm	B: § 12-341.01, complete body. Discretionary contested-contract fee provision; no actual award or complete fee litigation analysis.
S_AZ-P12-S006	Arizona Legislature, retroactivity: https://www.azleg.gov/ars/1/00244.htm	B: § 1-244, complete body. General statutory rule; specific transition construction remains necessary.
S_AZ-P12-S007	Arizona Legislature, cross-referenced fee provision: https://www.azleg.gov/ars/32/00507.htm	P: subsection A’s fee entries, including dishonored-payment entry. Read to identify the § 44-6852 exception; not used as an ordinary loan-fee authorization.
S_AZ-P12-S008	Arizona Legislature, Laws 2024, ch. 3: https://www.azleg.gov/legtext/56leg/2r/laws/0003.htm	B: complete § 1 and approval/filed notation, March 18, 2024. No separate retroactive/special-effective clause in the read act. General effective date September 14, 2024 supported by S009.
S_AZ-P12-S009	Arizona Legislature, General Effective Dates: https://www.azleg.gov/general-effective-dates/	B: relevant session entries, including July 20, 2011; July 24, 2014; September 14, 2024; September 26, 2025; September 12, 2026. Official operational table, read with each act rather than replacing its own clauses.
S_AZ-P12-S010	Arizona Legislature, Laws 2014, ch. 96: https://www.azleg.gov/legtext/51leg/2r/laws/0096.pdf	B: complete five-PDF-page act; § 2 printed pp. 1–3/PDF indexes 1–3; § 3 printed pp. 3–4/PDF indexes 3–4. Approved April 17/filed April 18, 2014; general effective date July 24, 2014. Rate tiers, § 6-632(F), and $150 origination change.
S_AZ-P12-S011	Arizona Legislative Council, 2014 Report on Defects: https://www.azleg.gov/alisPDFs/council/2014_Annual_Report_on_Defects.pdf	P: printed p. 19/PDF index 22, proposed clarification of § 6-632(F) to July 24, 2014. Recommendation, not enacted amendment.
S_AZ-P12-S012	Arizona Secretary of State, 2022 publicity pamphlet, Proposition 209 text: https://apps.azsos.gov/election/BallotMeasures/2022/azsos_2022_publicity_pamphlet_standard_english_web_version.pdf	P: §§ 7–10, printed pp. 106–107/PDF indexes 105–106. Official pre-election text; prospective/contract clauses read. Governor’s proclamation and complete commencement chain not freshly recovered.
S_AZ-P12-S013	Arizona Legislative Council, 2025 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf	IX: dated July 18, 2025, chapters 1–265; Title 6 printed pp. 1–2/PDF indexes 0–1 and Title 44 printed p. 17/PDF index 16. Amendment-index screen only.
S_AZ-P12-S014	Arizona Legislative Council, 2026 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf	IX: dated August 19, 2026, chapters 1–264; Title 6 printed p. 2/PDF index 1; Title 44 printed pp. 19–20/PDF indexes 18–19. No complete later-law certificate.
S_AZ-P12-S015	Arizona Secretary of State, 20 A.A.C. 4: https://apps.azsos.gov/public_services/Title_20/20-04.pdf	B/P: Article 5’s operative R20-4-503, -508, -518, -519, -524, -534 and repealed/reserved entries; printed pp. 18–20/PDF indexes 19–21. Supplement 25-4, December 31, 2025. No Article 6 provider-fee rerun. Text extraction read; no successful visual-inspection claim.
S_AZ-P12-S016	Arizona Secretary of State/DIFI, final rulemaking R23-157: https://apps.azsos.gov/public_services/register/2023/35/contents.pdf	B/P: 29 A.A.R. 1942–1945; item 3 printed p. 1942/PDF index 27; operative amendments printed pp. 1944–1945/PDF indexes 29–30. Published September 1, effective October 7, 2023.

4.2 Arizona published opinions

Source ID	Court text / full literal URL	Read scope and source limitations
S_AZ-P12-S017	Wieman: https://law.justia.com/cases/arizona/court-of-appeals/1990/166-ariz-281.html	B, republication: material opinion including pp. 285–286. Justia, not official image. Date/posture in J01; no full subsequent-history review.
S_AZ-P12-S018	Grady: https://law.justia.com/cases/arizona/supreme-court/1963/7053-0.html	B, republication: material majority pp. 254–258 and disposition. Historical rate law.
S_AZ-P12-S019	Altherr: https://law.justia.com/cases/arizona/supreme-court/1968/9299-pr-0.html	B, republication: material majority pp. 61–65 and disposition. Historical ceiling and service facts.
S_AZ-P12-S020	Britz: https://law.justia.com/cases/arizona/supreme-court/1960/6621-0.html	B, republication: material majority pp. 390–394 and disposition. Historical cap; substance/intent holding only as qualified.
S_AZ-P12-S021	Small: https://law.justia.com/cases/arizona/supreme-court/1961/6634-0.html	B, republication: material body pp. 195–202, including creditor’s waiver and disposition. No modern late-fee safe harbor.
S_AZ-P12-S022	Burr: https://law.justia.com/cases/arizona/supreme-court/1970/9828-0.html	B, republication: opinion body and disposition, especially p. 550. Historical out-of-state commercial loan.
S_AZ-P12-S023	Transamerica: https://law.justia.com/cases/arizona/supreme-court/1988/cv-87-0343-pr-2.html	B, republication: pp. 116–118 and disposition. Dismissal posture; former statute.
S_AZ-P12-S024	Aros, official PDF: https://www.azcourts.gov/Portals/0/23/pdf1999/cv970502.pdf Date metadata cross-check: https://law.justia.com/cases/arizona/supreme-court/1999/cv970502-1.html	B: official material majority printed pp. 2–13/PDF indexes 1–12. Republication used for metadata, not a second opinion or independent corroboration.
S_AZ-P12-S025	Dobson Bay, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2017/CV160029PR.pdf	B: majority ¶¶ 1–42, printed pp. 2–15/PDF indexes 1–14. Dissent not relied on.
S_AZ-P12-S026	Fleming, recovered published body: https://law.justia.com/cases/arizona/court-of-appeals-division-one-published/2019/1-ca-cv-17-0647-0.html Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2019/1%20CA-CV%2017-0647.pdf	B + F: material ¶¶ 1–30 at Justia. Official retrieval produced no usable body; HTTP status not preserved in the read record. No official image/citator certification.
S_AZ-P12-S027	Metzler, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2014/CV130302PR.pdf	B: material majority ¶¶ 1–27 and disposition. Paragraph pinpoints used; exact printed/PDF page mapping not asserted here.
S_AZ-P12-S028	McKeon: https://law.justia.com/cases/arizona/court-of-appeals/1991/170-ariz-75.html	B, republication: full material opinion pp. 76–80 and disposition. Historical statute; conditional settlement.
S_AZ-P12-S029	Paloma, recovered published body: https://syfert.com/arizona/cases/237-ariz-322/flood-control-district-v-paloma-investment-ltd-partnership Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2015/1%20CA-CV%2013-0750.pdf	B + F: ¶¶ 1–27 and notes, especially ¶¶ 19–27, printed reporter pp. 326–329. Host identifies CourtListener-derived data; official image not recovered. Automated host ratings were ignored. HTTP failure status not preserved.

4.3 Federal statutes, regulations, notices, and rate data

Source ID	Issuer / document and full literal URL(s)	Material read, currency/effect, and limits
S_AZ-P12-S030	OLRC, Title 12: https://uscode.house.gov/us/usc/119-124/t12/s85/ https://uscode.house.gov/us/usc/119-124/t12/s86/ https://uscode.house.gov/us/usc/119-124/t12/s1831d/ https://uscode.house.gov/us/usc/119-124/t12/s1463/ https://uscode.house.gov/us/usc/119-124/t12/s1757/	B/P: §§ 85, 86, 1831d(a)–(b), 1463(g), 1757(5)(A)(vi)–(ix). Displayed through Pub. L. 119-124, October 15, 2026. Not all definitions, notes, opt-outs, or other subsections read.
S_AZ-P12-S031	eCFR/OCC: https://www.ecfr.gov/current/title-12/chapter-I/part-7/subpart-D/section-7.4001 https://www.ecfr.gov/current/title-12/chapter-I/part-160/section-160.110	B: § 7.4001(a)–(e), § 160.110(a)–(d). Displayed Title 12 currency October 23, 2026. Rate definition, conditions, and transfer rules; complete litigation validity not certified.
S_AZ-P12-S032	eCFR/FDIC: https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.2 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.3 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.4	B: definitions, host-state branch provision, and interest/transfer rule. Incorporated § 1813 definitions and complete opt-out/where-made law remain incomplete.
S_AZ-P12-S033	eCFR/NCUA: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.5 https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21	B/P: § 701.5(a), (b)(1)–(4), (c)–(d); § 701.21(a), (c)(6)–(7), including Board-notice mechanism. Mortgage due-on-sale and complete PAL conditions not read. Current display reflects 2026 reorganization.
S_AZ-P12-S034	OCC, 2020 transfer-interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-06-02/pdf/2020-11963.pdf Same document HTML: https://www.federalregister.gov/documents/2020/06/02/2020-11963/permissible-interest-on-loans-that-are-sold-assigned-or-otherwise-transferred	B/P: 85 F.R. 33530–33536; DATES, true-lender limit printed p. 33535/PDF index 5, operative text p. 33536/index 6. Effective August 3, 2020. Other preamble portions partial.
S_AZ-P12-S035	FDIC, 2020 interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14114.pdf	B/P: 85 F.R. 44146–44158; DATES, true-lender discussion p. 44153/PDF index 7, operative material p. 44158/index 12. Effective August 21, 2020. Complete opt-out discussion not read.
S_AZ-P12-S036	Congress, Pub. L. 117-24: https://www.govinfo.gov/content/pkg/PLAW-117publ24/pdf/PLAW-117publ24.pdf	B: complete one-page law, 135 Stat. 296/PDF index 0, approved June 30, 2021. Disapproval of identified OCC true-lender rule.
S_AZ-P12-S037	NCUA, 2026 interim final rule: https://www.govinfo.gov/content/pkg/FR-2026-06-09/pdf/2026-11559.pdf	B/P: 91 F.R. 34725–34733; DATES p. 34725/index 0, material explanation p. 34727/index 2, operative beginning p. 34732/index 7. Effective June 30, 2026; comment deadline is not effectiveness. Tail read was partial; current material regulation separately read.
S_AZ-P12-S038	NCUA Letter 26-FCU-02: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0	B: February 2026, displayed active; 18% ceiling extended through September 10, 2027. Official notice mechanism supported by § 701.21(c)(7)(ii)(B).
S_AZ-P12-S039	NCUA public announcement: https://ncua.gov/newsroom/press-release/2026/ncua-board-extends-loan-interest-rate-ceiling	B, agency news: dated February 6, 2026. Supports announced extension, not independent rule authority. Meeting-date wording does not fully reconcile with the letter.
S_AZ-P12-S040	NCUA supplemental analysis: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0/supplemental-info	P, official analysis: supporting discussion read in part; not a separately read Board resolution. Exact meeting chronology held.
S_AZ-P12-S041	CFPB, Regulation Z display/comments: https://www.consumerfinance.gov/rules-policy/regulations/1026/4/ https://www.consumerfinance.gov/rules-policy/regulations/1026/22/ https://www.consumerfinance.gov/rules-policy/regulations/1026/52/ https://www.consumerfinance.gov/rules-policy/regulations/1026/55/	B/P: § 4(a), (b)(1)–(2), (c)(1)–(2), relevant comments; § 22(a)(1), comments 1–4; material §§ 52–55 portions. § 52 displays older dollar figures; not accepted as current. Full TILA coverage/notice/insurance bodies incomplete.
S_AZ-P12-S042	eCFR, Regulation Z: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.52 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55	B/P: material § 52(a)–(b) and § 55(a), (b)(1)–(5), (c)–(e). Banners through October 22–23, 2026. § 52 displays $8/$32/$43 framework despite S043’s vacatur report; numerical legal effect held. SCRA/LIBOR branches and notice cross-references incomplete.
S_AZ-P12-S043	CFPB semiannual-report PDF: https://files.consumerfinance.gov/f/documents/cfpb_semi-annual-report_spring-2025.pdf	P, official report: § 2.2.2, printed p. 26/PDF index 25, reports April 2025 late-fee-rule vacatur. Body discusses an October 2024–December 2025 reporting period despite filename. Publication date not established here; report is not the judicial order.
S_AZ-P12-S044	Federal Reserve, H.15: https://www.federalreserve.gov/releases/h15/	B, official data: October 26, 2026 release; bank prime loan rate 7.00 for the displayed October 19–23 columns. Dynamic URL; this is the release actually read, not a future rate guarantee.

4.4 Federal opinions and unrecovered/discovery records

Source ID	Document / full literal URL	Read status and limits
S_AZ-P12-S045	Marquette, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-439/pdf/USREPORTS-439-299.pdf	B/P: material majority pp. 301–304, 306–313, 315–319 within PDF indexes 0–20. Background gaps preserved; no full citator.
S_AZ-P12-S046	Smiley, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-517/pdf/USREPORTS-517-735.pdf	B: material majority pp. 737–747/PDF indexes 2–12 and disposition. Historical deference method qualified by S047.
S_AZ-P12-S047	Loper Bright, official Supreme Court opinion: https://www.supremecourt.gov/opinions/23pdf/22-451_7m58.pdf	P: majority slip pp. 34–35/PDF indexes 41–42. Narrow prior-holding/stare-decisis passage and disposition; not full opinion or separate writings.
S_AZ-P12-S048	Laws 2011, ch. 99 attempted official routes: https://www.azleg.gov/legtext/50leg/1r/laws/0099.htm https://www.azleg.gov/legtext/50leg/1r/laws/0099.pdf	F only: neither route yielded usable body. Exact HTTP status was not preserved. No unchanged retry loop. § 17(B) is available here only as quoted/construed in S029 and applied in S027. Next: readable official session-law body.
S_AZ-P12-S049	15 U.S.C. § 1610 attempted official routes: https://uscode.house.gov/us/usc/119-124/t15/s1610/ https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1610&num=0&edition=prelim	F only: first route inaccessible; alternate returned 404 through retrieval. No body relied on. Next: a readable official codification/session-law source for the specific state-law interaction.
S_AZ-P12-S050	Attempted additional retail section: https://www.azleg.gov/ars/44/06003.htm	F only: no usable body; exact HTTP status not retained. It was not a necessary authority for the read §§ 44-6001–6002 analysis. Failure is not proof of statutory absence.
S_AZ-P12-S051	Arizona SB1689 introduced text discovery: https://www.azleg.gov/legtext/57leg/2r/bills/sb1689p.htm	D only: proposed rate-threshold language surfaced in discovery; not treated as an enacted amendment. The bill’s final status was not independently certified.
S_AZ-P12-S052	Markham memorandum-opinion discovery: https://www.omlaw.com/wp-content/uploads/Markham_Contracting_Co._v._F.pdf	D only: snippet-level discovery concerning judgment-interest base. Body and citation-rule predicates not verified; not used as authority.

5. Currentness and transition register

These 12 tracking rows do not add twelve sources or duplicate coverage credit.

Row	Material event / status	Established here	Exact remaining limit
V01	Constitutional and statutory compilations	Official bodies and relevant clauses read, S001–S007.	Complete constitutional amendment inventory and every incorporated statute not established.
V02	Historical 8% law / 1980 deregulation	Older cases’ operative ceilings identified; Wieman describes the 1980 change.	Original Laws 1980, ch. 200, §§ 9–10 not opened; no full commencement chain certified.
V03	2011 judgment-rate change	Published Paloma and Metzler holdings read; July 20 general effective date read.	Original ch. 99 body unavailable on both official routes.
V04	2014 consumer-loan changes	Ch. 96 operative body and July 24, 2014 general effective date read.	Suggested Legislative Council wording is not an enacted correction; actual old-loan facts remain necessary.
V05	Proposition 209	Official text and prospective/contract clauses read.	Fresh proclamation/commencement chain incomplete; medical branch deferred.
V06	Article 5 rules	Posted Code and 2023 final amendments read; effective October 7, 2023.	No full history of every prior rule version or later judicial treatment.
V07	2024 judgment-rate reference event	Ch. 3 and September 14, 2024 effectiveness established.	Actual judgment date/publication/business-day facts remain required.
V08	2025–2026 legislation	Relevant TOSA blocks read; proposed SB1689 not substituted for law.	Index screen is not every-enactment or later-law certification.
V09	Federal transfer rules / true-lender disapproval	2020 rules and 2021 disapproval law separately read.	Complete current litigation, opt-out, and true-lender developments not certified.
V10	NCUA 2026 changes	Interim final rule effective June 30; official 18% notice through September 10, 2027.	Exact meeting chronology conflicts in agency materials; complete PAL and litigation branches held.
V11	Federal credit-card fees	Conflicting current displays and agency-reported vacatur documented.	Actual vacatur order, surviving operative text, and current adjustment notice required before a dollar cap.
V12	External data and precedent	October 26 H.15 rate actually read; sixteen opinion records scoped.	Dynamic later rate changes and complete subsequent judicial history not certified.

6. Sixteen distinct fictional postures

These are classification exercises. They do not establish an actual debt’s validity, rate, collectibility, or remedy.

Posture	Fictional facts and necessary evidence	Conditional consequence / adverse branch	Claims
F01 — Local nonbank simple loan	A one-time Arizona lender advances $12,000 under a genuine written 12% simple-interest agreement; no special sector applies.	General written-rate branch is available if those facts and agreement are proved. If another statute governs, the label does not remove its restrictions.	C003, C017–C018, C083
F02 — No rate versus no interest bargain	An oral family loan contains no discussed interest obligation.	Do not automatically impose term interest. A later liquidated-demand claim is a separate issue. If evidence instead establishes interest was owed but no different written rate, analyze the statutory branch.	C004, C068–C069
F03 — Retail purchase	A household appliance is sold in six installments with a finance charge.	Test retail definitions and contract terms. A cash-loan formula or motor-vehicle statute cannot be imported merely because payments are monthly.	C012–C015
F04 — Open-end balance without dates	A statement shows a $4,000 balance, but advance dates, billing method, limit, and payment dates are missing.	No defensible interest total follows from the ending balance alone. Obtain daily/cycle inputs and classify the account first.	C008–C009, C020, C026
F05 — Withheld processing charge	A $4,000 face loan disburses $3,800 after a $200 processing deduction.	Fee purpose and applicable charge statute control; net-cash cost alone does not prove usury. Under M02’s violation assumptions, principal credits and excess-payment recovery differ from ordinary interest accounting.	C010, C039–C041, C084
F06 — Actual third-party cost	The same $200 goes to a vendor, but the invoice may be either an authorized public-filing expense or an unauthorized processing service.	Actual payment to a third party is insufficient by itself. The statutory expense category and lawful actual amount must match.	C010, C024, C031–C032
F07 — Late installment	An installment is unpaid, but the transaction might be a small general loan, licensed consumer loan, or retail sale.	Ten-day/$10, seven-day/5%, and retail-dollar rules cannot be blended. Payment and installment facts determine whether the correct predicate occurred.	C007, C014, C023
F08 — Extension of old loan	A loan existed before July 24, 2014; a later restructuring advances $75 and raises the rate.	If § 6-632(F) applies, its no-higher-rate condition matters. A genuinely new transaction or different dates requires separate proof; no automatic restart or new-fee entitlement.	C022, C027–C029
F09 — Bank-origin claim sold to nonbank	A purchaser possesses a statement saying “bank-originated,” without charter, location, origination, or transfer evidence.	No rate exportation finding. A valid transfer-interest rule does not supply missing originator facts.	C050–C056
F10 — Proposed usury penalty	A borrower demands twice all billed finance charges, but actual interest payments are unknown.	Bank statutes distinguish paid interest from reserved/charged interest and differ from Arizona and FCU remedies. No numerical recovery can be determined.	C039–C044, C057–C062
F11 — Contract rate versus judgment formula	A court enters a judgment on a lawful written 12% obligation while the ordinary statutory formula is 8%.	The contract-rate branch can govern; the 8% calculation is not a universal cap. An invalid or unproved agreement changes the branch.	C070–C072
F12 — Payment in escrow	$1,000 is held by an intermediary but has not reached the creditor; the ledger nevertheless reduces principal.	No actual-credit assumption. M04 shows the different balance if remittance occurs versus remains held.	C075–C076, C086
F13 — Controlled variable index	A qualifying consumer lender increases a rate using an index it controls.	The § 6-632(C) predicate fails. A public independent index still requires the remaining contractual, movement, and notice conditions.	C021, C065
F14 — Optional insurance cancellation	A consumer sends qualifying written cancellation twenty days after a Title 6 loan is made.	Apply the read thirty-day full-premium provision if product and notice predicates hold. Later cancellation/unearned-premium calculations require the incorporated insurance law.	C025
F15 — Large default-only charge	A balloon-payment default triggers a large flat fee plus default interest and reimbursement of all collection expense.	Dobson requires a penalty analysis; calling it a default charge does not exempt it. Actual or anticipated loss and proof difficulty remain factual issues.	C034, C036–C037
F16 — Assignee claims HDC immunity	A buyer holds an overdue account printout and invokes holder-in-due-course status.	First establish a negotiable instrument, then value/good faith/notice and other predicates. A generic debt purchase and account printout are insufficient classifications.	C045–C047

7. Four fully worked conditional models

All amounts are fictional U.S. dollars. Rates stipulated as facts are not represented as statutory ceilings. Rounding is to the nearest cent at the stated calculation stage. No actual transaction, payment, filing deadline, or collection permission is determined.

M01 — Ordinary local nonbank simple loan; agreed rate versus no established rate

Authority: S002, § 44-1201(A)(2); S026, ¶¶ 14–19. Claims C003–C004, C083.

Stipulated inputs

Local, one-time nonbank lender; bona fide unsecured loan outside the identified special consumer-loan and small-loan branches.
Principal actually advanced: $12,000.00.
Valid written agreement: 12% simple annual interest.
Agreed convention: actual elapsed days/365, excluding June 1 and including July 1.
Period: June 1 to July 1, 2026 = 30 elapsed days.
No fees, costs, default charges, or compounding.
Full payment actually received and credited July 1.

Calculation

Plain text

Interest = principal × annual rate × days / denominator
         = $12,000 × 0.12 × 30 / 365
         = $118.356164...
Rounded interest = $118.36

Amount actually credited = $12,000 + $118.36 = $12,118.36

Interest allocation = $118.36
Principal allocation = $12,000.00
Remaining principal = $0.00

Money reconciliation:
$12,000 advance + $118.36 lawful stipulated interest
− $12,118.36 actual credit = $0.00

Alternative rate branch: If interest is legally owed, but no different written rate is established, the conditional 10% calculation is:

Plain text

$12,000 × 0.10 × 30 / 365 = $98.630136... → $98.63

That alternative is not applied where the facts instead establish that term interest was never contemplated, as in the relevant part of Fleming. The actual agreement and entitlement must select the branch.

Adverse branch: If the $12,118.36 is merely promised or offered, the model cannot credit it. If a special statute actually governs, the assumed general-law classification fails. A 2026 non-leap-year denominator here is a stipulated contract convention, not a universal Arizona rule.

M02 — Upfront charge, net proceeds, and conditional usury-credit ledger

Authority: S002, §§ 44-1203–1205; S018–S019. Claims C010, C031–C032, C039–C041, C084.

Stipulated inputs

Occasional nonbank lender; a qualifying $4,000 closed-end loan governed by § 44-1205(A), not Title 6 Chapter 5.
Written simple rate: 10% for one year.
July 1, 2025 to July 1, 2026: 365 elapsed days, actual/365 convention.
A $200 processing charge is deducted at closing.
Consumer receives $3,800 cash.
Claimed year-end payment: $4,400, consisting of $4,000 face principal plus $400 interest.

Cash-cost calculation, before legal classification

Plain text

Gross stated principal                         $4,000
Less withheld processing amount                  200
Cash delivered to consumer                    $3,800

Stated annual interest = $4,000 × 10% × 365/365 = $400
Claimed final payment                         $4,400

Consumer cash cost = $4,400 − $3,800 = $600
Economic net-cash ratio = $600 / $3,800
                       = 15.789473...%

15.789473% is only a cash-cost ratio. It is not automatically a Regulation Z APR or the Arizona legal usury rate.

Violation branch

Assume a court determines that the processing charge is unauthorized under § 44-1205(E), the loan is usurious under the applicable provision, and the $200 deduction is a qualifying advance payment credited under § 44-1203.

Plain text

Stated principal                              $4,000
Advance deduction credited to principal          200
Remaining recoverable principal               $3,800
Interest recoverable under this branch             0

If the consumer then actually pays $4,400:

Plain text

Total statutory payment credits = $200 + $4,400 = $4,600
Original stated principal                         $4,000
Excess payments                                     $600

Cash conservation:
Lender cash advanced                            $3,800
Lender cash later received                      $4,400
Conditional excess returned                       $600
Net lender cash after principal recovery             $0

The additional 10% language in § 44-1204 is not numerically accrued here because the exact applicable interest-start and action posture have not been established.

Positive lawful-cost alternative

Assume instead that the $200 is a qualifying lawful public-filing expense actually paid to the authorized recipient, with all § 44-1205(E) predicates satisfied:

Plain text

Lender funds disbursed:
  Consumer cash                                 $3,800
  Qualifying public expense                       $200
Total disbursement                              $4,000

Final payment                                   $4,400
Stipulated lawful interest                        $400
Vendor receipt                                   $200

The identical consumer net cash does not make the two legal classifications identical.

Adverse unpaid branch: If $4,400 was only demanded and not paid, there is no $600 paid-excess recovery in this model. Under the stipulated violation branch, $3,800 principal remains after the advance credit. The same $200 is not credited twice.

M03 — Regulated consumer revolving tiers, origination fee, and actual payment

Authority: S003, §§ 6-601(1), 6-632(B), 6-633, 6-635(A)(4). Claims C017–C026, C085.

Stipulated inputs

Qualifying Arizona consumer lender and transaction; all necessary license/activity predicates are assumed, not verified.
Agreed revolving limit: $4,000.
Advance: $4,000 on June 1, 2026.
Actual daily outstanding balance: $4,000 on each of June 1–30, thirty daily balances.
Authorized daily-rate method using 365.
No prior disqualifying origination fee during the preceding year.
Origination fee paid separately, not financed.
A $600 payment is actually credited July 1 before that day’s modeled accrual.
No insurance, late fee, additional advance, or compounding.

June finance charge

Plain text

First tier:
$3,000 × 0.36 × 30/365 = $88.767123...

Second tier:
$1,000 × 0.24 × 30/365 = $19.726027...

Aggregate before rounding = $108.493150...
Rounded once = $108.49

Rounding each tier first would produce a different cent result; this model rounds the aggregate once. The unchanged-balance weighted rate is 33%, but that is not a universal amortizing-loan blended rate.

Origination fee

Plain text

5% × $4,000 = $200
Statutory maximum = $150
Permitted modeled fee = min($200, $150) = $150

Actual payment allocation and remaining balance

Plain text

Actual July 1 payment                            $600.00
Finance charge paid                              108.49
Principal paid                                   491.51
Remaining principal:
$4,000 − $491.51 =                              $3,508.49

Reconciliation

Plain text

Opening principal                              $4,000.00
Plus finance charge                               108.49
Plus separately paid origination fee              150.00
Less actual receipts ($150 + $600)                 750.00
Remaining modeled debt                         $3,508.49

The consumer received $4,000 and separately paid $150 at origination; the initial net cash position is $3,850, while debt principal remains $4,000. The fee is not a principal payment.

Adverse branches:

A qualifying prior origination fee collected within one year can prohibit the new $150 fee.
If the $600 was not actually credited, no $491.51 principal reduction occurs.
If fees were financed, the balance base must be rebuilt under the authorized-financed-fee rules.
A disclosure APR cannot be inferred solely from the 36%/24% statutory tier labels.

M04 — Prejudgment interest, fixed judgment rate, and partial payment

Authority: S002, § 44-1201; S026, ¶¶ 17–19; S029, ¶¶ 24–26; S044. Claims C068–C078, C086.

Common stipulated facts

Ordinary, liquidated $10,000 obligation.
A lawful determination makes prejudgment interest begin September 27, 2026.
Judgment entered October 27, 2026.
Prejudgment elapsed period: 30 days.
No costs or attorney fees are awarded in this model.
Actual/365 simple-interest convention is stipulated for the calculation.
The complete prejudgment-interest component is actually paid and expressly credited immediately on judgment entry, leaving $10,000 principal as the later interest-bearing balance.
A further $1,000 involuntary judgment payment is actually credited November 24.
No contrary allocation statute or agreement applies.
Later balance date: December 24.

The immediate separate credit avoids deciding the unresolved general treatment of unpaid prejudgment interest as part of the later interest-bearing judgment base.

Branch A — Otherwise applicable statutory judgment rate

Prejudgment interest:

Plain text

$10,000 × 0.10 × 30/365 = $82.191780... → $82.19
Judgment amount = $10,082.19
Immediate actual credit = $82.19
Remaining interest-bearing principal = $10,000

Rate setting:

Plain text

October 26 H.15 bank prime rate = 7.00%
Statutory rate = min(10%, 1% + 7%) = 8.00%

This assumes October 27 is the applicable first business day after that publication and the judgment falls within the current ordinary statutory branch.

First postjudgment period:

Plain text

October 27 → November 24 = 28 elapsed days
$10,000 × 0.08 × 28/365 = $61.369863... → $61.37

Actual payment                                  $1,000.00
Applied to accrued interest                         61.37
Applied to principal                               938.63
Remaining principal                              $9,061.37

Second period:

Plain text

November 24 → December 24 = 30 elapsed days
$9,061.37 × 0.08 × 30/365 = $59.581610... → $59.58

Remaining balance = $9,061.37 + $59.58 = $9,120.95

Complete reconciliation:

Plain text

$10,000 principal
+ $82.19 prejudgment interest
+ $61.37 first-period postjudgment interest
+ $59.58 second-period postjudgment interest
− $82.19 actual entry-date credit
− $1,000 actual later credit
= $9,120.95

Branch B — Lawful written 12% contract rate

Assume the agreement and judgment lawfully select 12%:

Plain text

Prejudgment: $10,000 × .12 × 30/365 = $98.63
That $98.63 is actually credited on entry.

First postjudgment period:
$10,000 × .12 × 28/365 = $92.05

$1,000 payment:
Interest paid = $92.05
Principal paid = $907.95
Remaining principal = $9,092.05

Second period:
$9,092.05 × .12 × 30/365 = $89.68

Remaining balance = $9,092.05 + $89.68 = $9,181.73

The 8% statutory branch does not override the assumed lawful written-rate branch.

No-remittance adverse branch

If the purported $1,000 payment remains in escrow and is never credited:

Plain text

October 27 → December 24 = 58 elapsed days
$10,000 × .08 × 58/365 = $127.123287... → $127.12
Remaining balance = $10,127.12

All elapsed periods include calendar days under the stipulated convention. There is no filing-deadline computation, weekend extension, or assumed stay-related pause. A different lawful order, payment time, base, day-count convention, vacated judgment, or allocation provision requires a different ledger.

8. Granular coverage and exact remaining investigations

Statuses: A answered within the stated public-law/fictional scope; P partial; U unresolved; E excluded/deferred with reason.

There are 76 coverage rows: 20 A, 38 P, 6 U, and 12 E. Thus 56 rows remain incomplete or outside this pass. That count includes deliberate factual and deferred-scope holds; it is not fifty-six independent defects in a transaction.

8.1 Core classification, charge, and remedy coverage

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G01	Constitutional architecture	P — C001–C002	Contract/effective-date clauses read. Complete constitutional amendment inventory remains to be established before an exhaustive negative statement.
G02	Actor/obligation/date classification	P — C003–C030	Competing statutory branches mapped. Actual purpose, amount, limit, creditor activity, contract, and dates intentionally unavailable.
G03	Ordinary written agreed rate	A — C003	General rule and special-law qualification established. No actual agreement evaluated.
G04	No agreed rate / no interest bargain	P — C004, C047	Fleming and instrument distinction established. Actual intent and obligation terms needed.
G05	Variable rate	P — C021, C047, C065	Read state consumer-loan and instrument rules. Full federal notice bodies and actual index history needed.
G06	General small closed-end loan	A — C006–C007, C010–C011	Threshold, permitted computation, delinquency, additional charges, and refund framework read.
G07	Non-card revolving loan	A — C008	Relevant statutory scope and methods read; no amount computed without dates.
G08	State credit-card route/election	P — C009, C067	State charges/election/exclusions read. Actual account choice and federal currentness unresolved.
G09	Retail installment/charge account	P — C012–C016	Definitions, finance, late, and balance rules read. Dishonored-charge overlap and actual election remain.
G10	Title 6 consumer purpose/resident/regular-business gate	P — C017–C018	Definitions and exemptions read. Actual activity and exclusion evidence absent.
G11	Closed-end consumer rate tiers	A — C019	Current displayed tiers and alternative blend read; 2014 act checked.
G12	Consumer revolving tiers	A — C020	Periodic-rate tiers and monthly blend read.
G13	Origination charge and repeat-fee timing	A — C022	5%/$150 and specified one-year restriction established.
G14	Delinquency thresholds and units	A — C007, C014, C023	Separate statutory branches preserved without blending.
G15	Service/processing/third-party costs	P — C010, C024, C031–C032	Categories and restrictions read. Actual invoices, payees, services, and statutory qualification needed.
G16	Discount/reserve treatment	P — C008–C009, C063	Specific purchase-discount provisions read. No universal reserve or discount rule established; obtain actual arrangement and responsive authority.
G17	Insurance and refunds	P — C025	Optionality/thirty-day route and rule records read. Incorporated Title 20 unearned-premium calculations remain.
G18	Default-only penalty test	A — C034, C036–C037	Published tests and limiting facts established; no actual penalty adjudication.
G19	Extension, restructuring, prepayment	P — C011, C027–C029	Statutory methods and 2014 transition read. Actual agreement and prior-fee/history inputs required.
G20	Net proceeds, financed amounts, simple/compound	P — C026, C030, C074	Distinctions established. Actual contract/account base and complete judgment-component treatment needed.
G21	APR versus usury	P — C030, C063–C064	Different measurements established. Full federal disclosure coverage and § 1610 body remain.
G22	Intent, presumptions, burden	P — C031–C037	Bounded published holdings read. No universal clear-and-convincing rule established; targeted current authority needed if material.
G23	General usury civil remedy/clock	P — C039–C041	Forfeiture, principal credit, excess recovery read. Exact independent-action clock and all interest-start questions unresolved.
G24	Title 6 civil consequences	A — C042–C044	Statutory tiers/error exception and historical private-action holding distinguished.
G25	Recovery, principal, fees, double counting	P — C038–C044, C057–C062	Different remedies separated. Actual payments, claimant, election, offset, and award facts needed.
G26	Assignee/HDC boundaries	P — C045–C047	Negotiability and HDC predicates read. Full consumer-holder rules and actual transfer/instrument facts remain.
G27	Choice of law	P — C048	Burr’s bounded holding read. Modern consumer-specific conflict and evasion facts require further authority.

8.2 Federal and judgment-interest coverage

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G28	National-bank exportation	P — C050–C052	Statute, regulation, and Supreme Court holdings read. Actual charter/location/origination facts unavailable.
G29	Insured state-bank exportation	P — C053	Statute/rule bodies read. Complete opt-out/where-made and incorporated definitions remain.
G30	Savings-association branch	P — C054, C059	Statutory/regulatory rate and remedy provisions read. Actual qualifying actor/transaction absent.
G31	Federal/state credit-union distinction	P — C060–C062	Ordinary FCU framework and current notice read. Full PAL and state-chartered-credit-union branches deferred.
G32	Transfers / valid-when-made / true lender	P — C055–C056	Separate rules and disapproval law read. Actual true lender, complete later litigation, and applicable opt-out unresolved.
G33	Federal usury remedy clocks	P — C057–C062	Textual claimant, payment, multiplier, and two-year differences read. No actual payment/transaction clock selected.
G34	Federally insured/guaranteed special loan	P — C049	State exemption text read. Exact federal program and qualification remain.
G35	Card increases and notice	P — C065	Material exceptions read. § 1026.9 and actual notice/delivery/account facts required.
G36	Current federal card late-fee dollars	U — C066	Conflicting displays documented. Read actual final vacatur order, surviving text, and current adjustment notice before selecting a number.
G37	Liquidated prejudgment claim	P — C068–C069	Test and bounded demand holding read. Actual due amount, entitlement, and starting event absent.
G38	Contract versus statutory judgment rate	A — C070–C072	Distinct rate branches established.
G39	Date-specific external reference rate	A — C071	October 26, 2026 H.15 7.00% actually read; conditional 8% calculation verified.
G40	Fixed rate / publication event	A — C072	Current rule and 2024 amendment established.
G41	Old-judgment transition	P — C078	Published constructions read. Original 2011 act body remains unavailable.
G42	Judgment base: prior interest/costs/fees	P — C038, C074	No automatic capitalization assumed. Responsive published authority and actual order needed for each component.
G43	Partial payment allocation	P — C075	Paloma involuntary-payment holding read. Actual payment, order, and contrary agreement/statute absent.
G44	Tender, appeal, stay, deposit	P — C076–C077	Accepted-payment and conditional-settlement holdings distinguished. General stay/deposit effects not established.
G45	Settlement payment event	P — C069, C077	Payment contingency can matter. Actual settlement terms and complete applicable law absent.
G46	Required records / operative forms	P — C028	Article 5 record/statement duties read. No actual form completed; no universal interest-computation form or actual order established.

8.3 Currentness, evidence failures, and worked demonstrations

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G47	Published majority bodies and posture	P — C031–C082	Sixteen scoped opinion records supplied. Republication/partial-read limits and absent official images remain identified.
G48	Complete later treatment/citator	U — C079, C082	No complete citator performed. Targeted later opinions/amendments required before actual reliance.
G49	Original 1980 deregulation act	U — C035, C079	Court description read; original ch. 200 §§ 9–10 not opened. Obtain official session-law body and commencement.
G50	2014 rate/fee transition	A — C029	Act, general effective date, and nonbinding clarification distinguished.
G51	2024 judgment-rate amendment	A — C072	Act and general effective date read.
G52	Proposition 209 commencement	P — C080	Text and prospective clauses read. Proclamation/effective chain and medical definitions remain.
G53	Article 5 adoption/effect	A — C081	Posted operative rules and 2023 final notice read.
G54	2026 NCUA changes	P — C060–C061	Rule/notice effective statuses read. Complete judicial treatment and meeting chronology held.
G55	Necessary incorporated bodies	P — C025, C046, C053, C064–C065	Missing Title 20, consumer-holder, § 1813, § 1610, and notice bodies expressly limited; retrieve only when branch is selected.
G56	Failed official source routes	U — S026, S029, S048–S050	Exact attempted URLs preserved. Recovered opinions disclosed; unrecovered act/statute bodies require a readable official alternative, not inference from failure.
G57	M01 simple loan model	A — C083	Inputs, convention, rate alternatives, actual credit, and adverse branch shown.
G58	M02 fee/net-proceeds model	A — C084	Classification alternatives, paid/unpaid branches, and refund ledger shown.
G59	M03 consumer revolving model	A — C085	Tiers, origination, rounding, actual allocation, and prior-fee branch shown.
G60	M04 judgment model	A — C086	Pre/post rates, publication event, allocations, actual credits, and escrow alternative shown.
G61	At least twelve fictional postures	A — C003–C086	Sixteen distinct postures supplied. No actual eligibility or permission finding.
G62	Actual private records	U — C087	No contract, charter, ledger, payment receipt, loan file, or judgment inspected. Those facts remain intentionally unavailable.

8.4 Territorial and expressly deferred families

Row	Requested boundary	Status / claims	Exact remaining scope / next action
G63	County/local court rules and practice	E — C087	No local interest-order or payment-processing practice investigation. Select only after an actual authorized court-specific task; no county inventory claimed.
G64	Tribal/Indian-country jurisdiction	U — C048, C087	No tribal law, sovereign status, or territorial facts researched. Requires a distinct jurisdiction-specific pass.
G65	Interstate/foreign-contract application	P — C048, C050–C056	Limited choice/exportation principles supplied. Actual places, law clauses, charter, and transaction history remain held.
G66	Debt-management/provider/CSO fees and licensing	E	Separate regimes; no rerun or acceptance of prior provider work.
G67	Collection communications/validation/FDCPA conduct	E	Separate PASS-07-type requirements; no fee-collection conduct permission inferred.
G68	Full merits, ownership chain, evidence, arbitration	E	Only indispensable rate/holder predicates addressed. Full contract/assignment/arbitration proof remains separate.
G69	Limitations, revival, judgment duration/renewal	E	Only narrow interest-remedy clocks/transition clauses addressed. No prior unreviewed clocks imported.
G70	Service, default, vacatur, full appeal procedure	E	No court-response or filing-calendar report; actual interest-order effects held.
G71	Wage, bank, homestead, other property enforcement	E	No exemption or execution formulas imported into interest balances.
G72	Mortgage/security, tax, support, restitution	E	Only necessary statutory boundaries identified. Full special enforcement/rate regimes require separate passes.
G73	Auto, medical, student, utility, insurance and other sectors	E	Ordinary-debt findings do not establish their special charges, caps, or remedies.
G74	Bankruptcy, SCRA, MLA, high-cost lending	E	No comprehensive stay/discharge/military/high-cost analysis; no generic exemption or interest pause inferred.
G75	Full damages, class remedies, fee litigation, regulatory enforcement	E	Limited civil-effect gateway only. Actual claims, elections, standing, amounts, and procedural requirements remain.
G76	Whole Arizona/country/parent acceptance	E	No state, country, parent, A066, A097, or A098 acceptance or operational/publication readiness.

9. Foundation and contribution crosswalk

This is a four-row provenance crosswalk, separate from the 76 coverage rows.

Row	Existing foundation / status supplied by user	Narrow contribution of PASS-12	What remains unchanged
X01	Reviewed PASS-01 statement: “Full agreements/funds/bonds/remedies and all other state categories stay open.”	Supplies a focused public-law interest/usury/charge/judgment-interest investigation.	This is not an invented exact PASS-01 interest row and does not accept the broad remainder.
X02	Authorized parent requires ordinary-debt contracts/charges and judgment interest; dimensions remain unaccepted.	Adds the source, claim, calculation, and gap records in this answer.	Parent and state acceptance remain open.
X03	PASS-02 concerns provider renewal/proration.	No substantive dependency.	Provider renewal is not judgment renewal or interest authority.
X04	PASS-03–PASS-11 are saved/running and unreviewed for this purpose.	Necessary interest cross-references were freshly researched.	No earlier wage, bank, limitations, service, merits, licensing, or homestead conclusion is adopted as a premise; originals/provenance are not rewritten.

The quoted review basis above comes from the user-supplied record. No coordinator file was opened or modified in this pass.

10. Researcher self-check and reconciled counts

What was actually read

Official Arizona statutory section bodies, the material 2014 and 2024 acts, relevant general-effective-date entries, Proposition 209’s specified text, and the relevant administrative rules/final notice.
Official federal statutory and regulatory bodies within the stated bounds, the transfer rules, congressional disapproval law, NCUA material, and the October 26 H.15 release.
Sixteen published-opinion records, with material reading bounds and republication/partial-body limitations individually disclosed.
The official amendment tables as indexes, not substitute operative statutes.
Conflicting federal card-fee displays and the CFPB’s report of vacatur; not the actual vacatur judgment.

What was not established

Complete amendment histories for every cited section, original 1980 and 2011 enactment bodies, full subsequent case treatment, or a complete constitutional inventory.
A reconciled operative 2026 federal credit-card late-fee dollar limit.
Every incorporated insurance, consumer-holder, bank-definition, disclosure-notice, territorial, or special-sector provision.
Actual contracts, lawful rate selections, charters, balances, payments, interest-bearing judgment components, or court orders.

No actual person, provider, borrower, account, charter, property, case record, or docket was queried. No account interaction, contact, filing, purchase, application, browser control, subagent, local-file write, website change, or publication is claimed. This is a researcher self-check, not independent review.

Count reconciliation

Item	Exact count	Counting rule
Source records	52	S001–S052; compilation sections and alternate hosts are not counted as independent corroboration.
Fresh body/partial-body source records	45	Includes scoped statutes, regulations, opinions, notices, reports, and data.
Fresh official index records	2	S013–S014.
Failed-only source records	3	S048–S050. Recovered-opinion failures remain inside S026/S029.
Discovery-only records	2	S051–S052; not operative authority.
Atomic claims	87	C001–C087.
Opinion records	16	J01–J16; included within the source count.
Currentness tracking rows	12	V01–V12; not additional sources or coverage credit.
Fictional postures	16	F01–F16.
Independently worked models	4	M01–M04.
Coverage rows	76	G01–G76.
Answered coverage rows	20	Bounded public-law or fictional demonstration completed.
Partial coverage rows	38	Exact missing source/fact identified.
Unresolved coverage rows	6	G36, G48, G49, G56, G62, G64.
Excluded/deferred coverage rows	12	G63 and G66–G76.
Remaining incomplete/deferred coverage rows	56	38 partial + 6 unresolved + 12 deferred; not additional duplicate coverage.
Provenance/contribution crosswalk rows	4	X01–X04, separate from coverage.

END S_AZ PASS-12.

Every captured table

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Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies →

Captured table 01

Claim ID · Actor, event, rule, and consequence · Conditions, units, proof, and limits · 30 data rows

Claim ID	Actor, event, rule, and consequence	Conditions, units, proof, and limits	Exact authority	Type / confidence
S_AZ-P12-C001	The constitutional provisions read protect contractual obligations and prescribe enactment/initiative mechanisms; they do not themselves supply the numerical ordinary-loan rate used in this report.	A complete constitutional amendment inventory was not established. No constitutional numerical ceiling is invented. Contract protection does not validate an otherwise unenforceable penalty.	S001, art. II § 25; art. IV pt. 1 § 1; S025, ¶¶ 40–41.	T/J/G; high within read scope
S_AZ-P12-C002	Arizona statutes are not retroactive unless expressly declared; the applicable enactment and its transition language therefore matter.	This is not a substitute for construing a particular transition clause. General effective-date tables must be read with each act’s own provisions.	S006, § 1-244; S001, art. IV pt. 1 § 1(3); S009.	T; high
S_AZ-P12-C003	For an ordinary loan, indebtedness, or other obligation within § 44-1201(A)(2), interest is 10% annually unless a different rate is contracted for in writing; a lawful written agreed rate governs.	“Any rate” in this general provision does not displace a genuinely applicable special statute. Agreement, scope, and lawful rate remain proof questions.	S002, § 44-1201(A)(2); S024.	T/J; high, conditional application
S_AZ-P12-C004	Absence of an agreed interest rate is not always an entitlement to interest throughout the loan term.	Fleming upheld the finding that interest was not contemplated on the oral family loans; it separately addressed prejudgment interest after demand. Negotiable instruments have their own text in C047.	S026, ¶¶ 14–19.	J; high, fact-specific
S_AZ-P12-C005	General rate deregulation did not erase independent consumer-loan restrictions.	Aros concerned historical licensed loans and non-interest restrictions; it does not decide every modern charge or actor classification.	S024, material majority pp. 2–13.	J; high, historical version
S_AZ-P12-C006	A non-Title-6-Chapter-5 closed-end loan with principal no greater than $5,000 falls within § 44-1205(A)’s special provisions.	Contract-rate interest may use the authorized actuarial or precomputed method. This threshold is not the separate Title 6 consumer-loan threshold.	S002, § 44-1205(A)(1).	T; high
S_AZ-P12-C007	For that § 44-1205(A) loan, a delinquency charge may be imposed on an installment not fully paid within ten days, up to the lesser of 5% of the installment or $10.	Requires the correct transaction class and actual installment/due/payment facts. It is not the Title 6 seven-day rule.	S002, § 44-1205(A)(2).	T; high
S_AZ-P12-C008	Certain non-card revolving accounts with agreed credit limits no greater than $10,000 fall under § 44-1205(B).	Consumer revolving loans governed by Title 6 and check-loan accounts are excluded from the described loan route. Monthly-billing or actual-daily balances and the separate ten-day delinquency provision apply as stated.	S002, § 44-1205(B).	T; high
S_AZ-P12-C009	Under the qualifying state credit-card route, specified contract-authorized charges may be collected as interest and included in account balances.	Section C lists periodic, transaction, minimum-interest, late, returned-payment, stop-payment, overlimit, document, account-administration, and electronic/interchange charges. Sections D and G restrict classification and election. Federal limits remain separate.	S002, § 44-1205(C), (D), (G).	T; high, federal overlay unresolved where noted
S_AZ-P12-C010	For § 44-1205(A)–(C) loans, additional service/expense charges are restricted; a charge is not permitted merely because a third party actually received it.	Section E lists authorized actual lawful expenses and exceptions. Collection referral permits the stated costs, expenses, and reasonable outside-attorney fees. Receiving aggregate charges above the section’s authorization makes the loan usurious under its express text.	S002, § 44-1205(E).	T; high
S_AZ-P12-C011	Full prepayment of a qualifying precomputed § 44-1205(A) loan requires the prescribed unearned-interest rebate; the Rule of 78s is prohibited.	Written day-count choices include specified 30/360 or daily conventions. No one convention is imposed on every Arizona loan.	S002, § 44-1205(A)(1)–(2), (H).	T; high
S_AZ-P12-C012	Retail installment and retail charge classifications depend on the transaction definitions, not a lender’s label.	Section 44-6001 defines cash price, finance charge, goods, holder, principal balance, retail installment transaction, retail seller, and services. Its goods definition excludes motor vehicles; “commercial” versus consumer treatment must be separately identified.	S002, § 44-6001.	T; high
S_AZ-P12-C013	A qualifying retail installment contract may use the agreed finance-charge rate and authorized computation method.	Full prepayment requires the statutory unearned-charge rebate; the Rule of 78s is prohibited. This is credit-sale law, not proof that every sale is a cash loan.	S002, § 44-6002(A)–(B).	T; high
S_AZ-P12-C014	The retail consumer delinquency provisions use $5 for an installment of $25 or less and $10 for a larger installment, under the stated ten-day condition.	The commercial-transaction provision is different. Do not substitute its percentage charge for a consumer charge or combine mutually alternative methods.	S002, § 44-6002(B), (F), (G), (J).	T; high
S_AZ-P12-C015	Retail charge-account finance charges depend on the authorized balance method and billing cycle; the text also contains a 50-cent minimum-finance-charge provision.	The balance-method and account qualifications must be met. A credit-card account may invoke a different whole-statute election under § 44-1205(D).	S002, § 44-6002(D)–(F); § 44-1205(D).	T; high
S_AZ-P12-C016	Dishonored-payment charges require actual dishonor and the correct statutory branch.	Section 44-6852 states up to $25 plus actual institution charges, subject to its exception. Section 44-6002(H) uses a different retail formula. Their application to a particular overlapping transaction was not authoritatively reconciled; no stacking is assumed.	S002, §§ 44-6852, 44-6002(H); S007, limited cross-reference read.	T/G; amounts read, overlap held
S_AZ-P12-C017	Title 6 consumer-lending classification uses individual personal/family/household purpose and defined principal/credit-limit thresholds.	Closed-end principal and revolving limit thresholds are generally $10,000 in the definitions. Regular-business and Arizona-resident activity predicates also matter; fees are treated as specified for the threshold.	S003, § 6-601(4)–(9), (16).	T; high
S_AZ-P12-C018	Title 6 exemptions and activity limitations must be tested before its rate rules are applied.	Section 6-602 contains institution-, activity-, amount-, and out-of-state-related qualifications. Section 6-603 prohibits evasion of its licensing predicate. No actual actor is classified here.	S003, §§ 6-602, 6-603(A)–(B).	T/G; text high, actual status held
S_AZ-P12-C019	A qualifying licensee’s closed-end consumer loan is subject to the § 6-632(A) rate structure.	Up to $3,000: 36% consumer-loan rate. Above $3,000: 36% on the initial $3,000 and 24% above it, or the specified scheduled-maturity blended alternative. A simple weighted rate for one balance is not automatically the amortizing-loan blend.	S003, § 6-632(A)(1)–(2).	T; high
S_AZ-P12-C020	A qualifying consumer revolving loan uses the § 6-632(B) periodic-rate structure.	Limits no greater than $3,000 use the stated 36% annual equivalent. For higher limits, the outstanding-balance tiers are 36% through $3,000 and 24% above, or the prescribed monthly blend.	S003, § 6-632(B).	T; high
S_AZ-P12-C021	A qualifying variable consumer revolving rate must use an index outside the licensee’s control.	Unless readily verifiable by the consumer, the adjustment requires conspicuous notice at least one monthly cycle beforehand. Movement is limited to three percentage points in twelve consecutive months and seven above/below the initial rate.	S003, § 6-632(C).	T; high
S_AZ-P12-C022	The qualifying Title 6 origination fee is no more than 5% of principal or agreed revolving limit, capped at $150.	No new origination fee on the specified refinancing/renegotiation within one year of collecting a prior fee; no such fee with the specified residence-secured points charge.	S003, § 6-635(A)(4).	T; high
S_AZ-P12-C023	The Title 6 delinquency charge is 5% of an installment not fully paid within seven days after its due date.	Correct loan classification, installment amount, due date, and actual credit date are necessary. It is not a universal Arizona late-fee formula.	S003, § 6-635(A)(1).	T; high
S_AZ-P12-C024	Title 6 permits only its enumerated finance charges and additional amounts.	Actual qualifying third-party/security expenses, authorized insurance and deferral fees, court costs, and reasonable non-salaried outside-attorney fees have separate predicates. Section C prohibits further direct or indirect amounts. Secured-enforcement expense cross-references remain deferred.	S003, § 6-635(A)–(C).	T/G; high within read provisions
S_AZ-P12-C025	Title 6 insurance charges require the statutory product, voluntariness, disclosure, and insurer/agent predicates.	Except the stated security-property coverage, insurance is optional. Written cancellation within thirty days after the loan is made triggers the stated full-premium refund. Other unearned-premium calculations incorporate provisions not fully read here.	S003, § 6-636(A)–(I); S015, R20-4-534.	T/G; bounded high
S_AZ-P12-C026	Title 6 separates unpaid principal, authorized financed fees, and finance charges; it prohibits compounding finance charges.	The statute authorizes specified daily/monthly methods. Actuarial payments apply first to finance charges and then principal. A precomputed loan is not deemed compounding merely because it is precomputed.	S003, §§ 6-601(1), 6-633(A)–(D).	T; high
S_AZ-P12-C027	Precomputed consumer loans have specific installment, prepayment, deferral, and acceleration-rebate rules.	The statutory 30/360 convention and actuarial rebate must not be replaced with a generic payoff formula. Authorized deferral charges depend on deferred amount and time; acceleration requires the specified unearned-charge treatment.	S003, § 6-634; S015, R20-4-503, -508.	T; high
S_AZ-P12-C028	Deferral administration cannot be used to manufacture an additional charge where the rule requires application of a sufficient payment to the delinquent installment and late charges.	The rules require a deferral statement and specified loan/insurance records. These are record and transaction duties, not proof any actual charge was earned.	S015, R20-4-518, -519, -524, -534.	T; high
S_AZ-P12-C029	Section 6-632(F)’s protection for specified preexisting loans modified with no more than $100 in new cash traces to the 2014 amendment.	The act and general effective-date table support July 24, 2014. The Legislative Council’s suggested date clarification is a recommendation, not an enacted textual amendment. Actual loan and modification dates remain necessary.	S010, § 2; S009; S011, printed p. 19/PDF index 22; S003, § 6-632(F).	T/I; high date chain, conditional facts
S_AZ-P12-C030	A Title 6 “consumer loan rate,” federal disclosure APR, and total cash cost are not interchangeable measurements.	The state definition excludes specified points/fees from its consumer-loan-rate measure; federal APR depends on its own finance-charge and timing rules. Neither a disclosed APR nor a net-cash ratio alone establishes state usury.	S003, § 6-601(2), (3), (8), (11); S041, §§ 1026.4, 1026.22(a)(1).	T/I; high

Captured table 02

Claim ID · Actor, event, rule, and consequence · Conditions, proof, and limits · 19 data rows

Claim ID	Actor, event, rule, and consequence	Conditions, proof, and limits	Exact authority	Type / confidence
S_AZ-P12-C031	A lender cannot necessarily remove compensation from interest by calling it a service fee.	Grady distinguished reasonable specific services/expenses from general overhead or percentage charges; a claimed separate legal-services bonus required factual determination. Its numerical ceiling was historical.	S018, 94 Ariz. at 254–58.	J; high, historical rate
S_AZ-P12-C032	Reasonableness and actual services matter to fee characterization; unused/prepaid service fees do not automatically prove usury.	Altherr placed the reasonableness burden on the recipient after prima facie excess was shown and addressed refund/credit of unused fees. Actual fee purpose, services, and full transaction matter.	S019, 104 Ariz. at 61–65.	J; high, historical transaction
S_AZ-P12-C033	Substance controls whether a purported sale is actually a loan or forbearance.	Britz applied intent, money, loan/forbearance, absolute repayment, and excessive-return elements. Unequivocal excessive terms supported an intent presumption; awareness of illegality was unnecessary. No general clear-and-convincing standard was established in this pass.	S020, 87 Ariz. at 390–94.	J/G; high bounded holding
S_AZ-P12-C034	A borrower-controlled default contingency did not make the Small transaction usurious at inception on its facts.	The creditor waived capitalized interest and sought actual advances plus the stated rate. This is not a safe harbor for every late fee, accelerated unearned charge, or penalty.	S021, 90 Ariz. at 195–202.	J; high, narrow
S_AZ-P12-C035	Charging beyond the agreement may raise a usury issue, but Wieman did not decide that the loan was usurious.	It reversed attorney sanctions because the defense was arguable after deregulation. Treating it as a merits judgment would overstate the holding.	S017, 166 Ariz. at 285–86.	J; high
S_AZ-P12-C036	A liquidated-damages charge is tested against anticipated or actual loss and difficulty of proving loss; the challenger bears the penalty burden identified in Dobson.	No universal percentage safe harbor. The inquiry is distinct from the interest-rate test.	S025, ¶¶ 9–17.	J; high
S_AZ-P12-C037	Dobson invalidated the challenged balloon-payment late charge as an unenforceable penalty.	Existing default interest and collection-cost compensation mattered. The decision did not void the whole loan; provable uncompensated actual damages remained possible.	S025, ¶¶ 21–42.	J; high, commercial facts
S_AZ-P12-C038	A reasonable attorney-fee award in a contested contract action is discretionary under § 12-341.01.	Successful-party status, reasonableness, and statutory limits must be established; a requested fee is not automatically an account charge or judgment award.	S005, § 12-341.01(A)–(C).	T; high
S_AZ-P12-C039	A person contracting for, reserving, or receiving excessive interest on a loan or forbearance under § 44-1202 forfeits all interest.	Requires an applicable legal maximum and the statutory violation. It is not a universal principal-forfeiture provision.	S002, § 44-1202.	T; high
S_AZ-P12-C040	Payments of usurious interest or inducements, including qualifying advance deductions, are credited against principal under § 44-1203.	The lender’s recovery is limited to remaining principal without interest under that provision. Actual receipt/deduction and usury classification must be proved.	S002, § 44-1203.	T; high
S_AZ-P12-C041	Section 44-1204 permits the specified setoff/counterclaim and recovery of payments exceeding principal.	Its first paragraph permits an excess judgment with 10% annual interest; its second permits an action for the excess. This pass did not establish the independent-action limitation period or every interest-start issue. No automatic double recovery.	S002, § 44-1204, both paragraphs.	T/G; high text, clock held
S_AZ-P12-C042	Title 6 has materially different remedies for prohibited consumer-loan charges.	Subject to the accidental/bona-fide-error exception, § 6-613(A) distinguishes closed-end principal or revolving aggregate advances of $5,000 or less from larger amounts. The smaller category’s voidability/no-principal-or-charge consequences must not be generalized to the larger category.	S003, § 6-613(A).	T; high
S_AZ-P12-C043	A loan made without a required Title 6 license has the separate voidness/no-collection-or-retention consequence stated in § 6-613(B).	Whether a license was required is an indispensable predicate. This report makes no actual licensing finding and does not reuse PASS-06.	S003, §§ 6-602, 6-603, 6-613(B).	T/G; high text
S_AZ-P12-C044	Transamerica recognized the historical borrower’s contract action under the consumer-loan scheme without requiring administrative exhaustion.	It rejected dismissal, not found every alleged violation true. Together with Aros, it supports treating special statutory duties seriously, not an automatic modern damages judgment.	S023, 158 Ariz. at 116–18; S024.	J; high, historical provisions
S_AZ-P12-C045	Article 3 holder rules first require a qualifying negotiable instrument.	A generic account, credit-card statement, or portfolio sale is not automatically such an instrument. Fixed-money, payment, undertaking, and other § 47-3104 predicates matter.	S004, §§ 47-3102, 47-3104.	T; high
S_AZ-P12-C046	Holder-in-due-course protection is conditional, not a generic assignee immunity.	Value, good faith, notice, overdue/default, bulk-transfer, and preserved consumer-law conditions matter. Section 47-3305 distinguishes defenses, including illegality that nullifies the obligation under other law. Actual HDC status, consumer-holder rules, and specific usury effects remain held.	S004, §§ 47-3302, 47-3305(A)–(C).	T/G; high predicates
S_AZ-P12-C047	For a qualifying instrument, interest must be provided by the instrument; the rate may be fixed, variable, or externally described.	If the specified amount cannot be ascertained, § 47-3112 supplies its stated judgment-rate fallback at the relevant place/time. This is not the rule for every consumer account.	S004, § 47-3112.	T; high
S_AZ-P12-C048	Burr upheld the selected Colorado rate on the substantial-relationship facts before it.	Loan preparation, disbursement, repayment location, historical rates, and absence of evasion mattered. It does not establish that any choice clause defeats current Arizona consumer protection.	S022, 105 Ariz. at 550.	J; high, limited choice holding
S_AZ-P12-C049	Qualifying federally insured or guaranteed loans can invoke the special exemption in § 44-1206.	Actual program, insurance/guarantee, transaction, and federal conditions were not established. The provision is a boundary, not permission for an ordinary unlabeled loan.	S002, § 44-1206.	T/G; high text

Captured table 03

Claim ID · Actor, event, rule, and consequence · Conditions, units, and limits · 18 data rows

Claim ID	Actor, event, rule, and consequence	Conditions, units, and limits	Exact authority	Type / confidence
S_AZ-P12-C050	A genuine national bank’s interest authority begins with 12 U.S.C. § 85.	Bank location, applicable state allowance, statutory alternative rate, and most-favored-lender conditions must be established. A consumer’s residence or a purchaser’s label does not establish them.	S030, § 85; S031, § 7.4001.	T; high predicates
S_AZ-P12-C051	Marquette permitted the national bank to charge its home-state-authorized rate to out-of-state card customers on the facts before the Court.	The bank’s relevant operations were in Nebraska; customer residence did not relocate it. Modern multi-location and true-originator questions are not decided by that fact pattern alone.	S045, 439 U.S. at 301–04, 308–19.	J; high bounded holding
S_AZ-P12-C052	Federal “interest” for § 85 includes specified nonperiodic charges, including late fees.	Smiley upheld the OCC interpretation. Section 7.4001 distinguishes credit/default compensation from ordinarily excluded appraisal, insurance, finder, document, notary, and credit-report charges. These are federal classifications, not universal Arizona exclusions.	S046, 517 U.S. at 737–47; S031, § 7.4001(a).	J/T; high, later-review caveat C082
S_AZ-P12-C053	Insured state-bank rate authority is separately governed by § 1831d and FDIC rules.	Insured status, state/location, rate authority, loan-making facts, relevant opt-out questions, and material conditions must be proved. Definitions incorporated from other statutes were not exhaustively read.	S030, § 1831d(a); S032, §§ 331.2–331.4.	T/G; high text
S_AZ-P12-C054	Federal savings-association rate authority follows its own statute and regulation.	Section 1463(g) and § 160.110 do not establish that a merely affiliated nonbank is the qualifying association.	S030, § 1463(g)(1); S031, § 160.110.	T/G; high text
S_AZ-P12-C055	The read OCC and FDIC rules preserve permissible interest through specified transfers.	Permission at origination is indispensable. The rules do not themselves determine the true lender, authenticate a charter, validate every fee, or resolve all subsequent litigation/opt-out questions.	S031, §§ 7.4001(e), 160.110(d); S032, § 331.4(e); S034–S035.	T/G; high text, application held
S_AZ-P12-C056	Congress disapproved the separate 2020 OCC true-lender rule in 2021.	Public Law 117-24 identifies that rule as having no force or effect. It does not identify the separate permissible-interest-on-transfer rule as the disapproved instrument.	S036, 135 Stat. 296.	T; high
S_AZ-P12-C057	Section 86 supplies the national-bank usury consequences for knowingly excessive interest.	Forfeiture concerns interest; paid interest can support twice the interest paid, recoverable from the bank by the statutory claimant. The text uses two years from the usurious transaction. Actual payment and transaction timing are necessary.	S030, § 86.	T; high; no actual recovery finding
S_AZ-P12-C058	Section 1831d(b) supplies its distinct insured-state-bank remedy where its preemption conditions apply.	Knowingly excessive interest, actual payment, statutory claimant/defendant, and the text’s two-years-after-payment condition must be established. Do not substitute § 86’s wording.	S030, § 1831d(b).	T; high
S_AZ-P12-C059	Section 1463(g)(2) contains the savings-association remedy.	It distinguishes interest forfeiture from twice-interest-paid recovery and specifies its payment-based two-year condition. It is not a remedy automatically available against any later collector.	S030, § 1463(g)(2).	T; high
S_AZ-P12-C060	For ordinary qualifying federal-credit-union loans, the statute’s 15% framework permits a Board-established higher temporary ceiling.	The official February 2026 letter extends the 18% ceiling through September 10, 2027. Specialized PAL exceptions are not fully analyzed. State-chartered credit unions are not automatically FCUs.	S030, § 1757(5)(A)(vi)–(vii); S033, § 701.21(c)(7); S038.	T/official notice; high bounded ceiling
S_AZ-P12-C061	The 2026 NCUA rule places material federal-credit-union preemption provisions in § 701.5.	The interim final rule’s effective date is June 30, 2026. Preserved state subjects and fee-safety/soundness conditions remain material; the rule is not a general exemption for any business calling itself a credit union.	S033, § 701.5(a)–(d); S037.	T/G; high text, litigation history not certified
S_AZ-P12-C062	The FCU statutory usury remedy differs from the bank double-interest provisions.	Section 1757 provides forfeiture and recovery of the entire interest paid under its knowing-violation predicates, with a two-year-from-collection condition. It does not say twice the interest paid.	S030, § 1757(5)(A)(viii)–(ix).	T; high
S_AZ-P12-C063	Regulation Z’s finance-charge classification is a disclosure classification, not an Arizona fee authorization.	Its exclusions include certain application fees and unanticipated late/default charges; a discount not passed to the consumer is treated differently from a consumer-imposed charge. Coverage and exact facts remain necessary.	S041, § 1026.4(a), (b)(1)–(2), (c)(1)–(2), official comment 4(a)-2.i.	T; high within read portions
S_AZ-P12-C064	A disclosure APR measures credit cost through amount and timing; it is not automatically the legal usury numerator or ceiling.	The applicable state statute may include/exclude charges differently. The general TILA state-law provision at 15 U.S.C. § 1610 was not recovered.	S041, § 1026.22(a)(1), comments 1–4; S003, § 6-601; S049.	T/I/G; high distinction
S_AZ-P12-C065	Covered consumer credit-card rate/fee increases face § 1026.55 restrictions and qualified exceptions.	Public uncontrolled-index changes, promotional periods, delinquency, and workout arrangements have different conditions. The read delinquency exception uses sixty days and six subsequent timely minimum payments. Necessary § 1026.9 notice bodies were not fully read; no actual increase is cleared.	S042, § 1026.55(a), (b)(1)–(5), (c)–(e).	T/G; high read text
S_AZ-P12-C066	No current numerical federal credit-card late-fee cap is selected in this pass.	CFPB and eCFR displays conflict, and S043 reports an April 2025 vacatur. The actual order, precise affected text, surviving rule, and current adjustment notice remain necessary. The report is not the judgment itself.	S041–S043; S043 § 2.2.2, printed p. 26/PDF index 25.	G; explicit hold
S_AZ-P12-C067	Most-favored-lender analysis cannot cherry-pick a rate while ignoring legally material conditions.	Arizona expressly treats specified revolving-account terms and conditions as material; federal rules also address the conditions associated with the relevant lender class.	S002, § 44-1205(F); S031, § 7.4001(b).	T; high

Captured table 04

Claim ID · Actor, event, rule, and consequence · Conditions, units, and limits · 20 data rows

Claim ID	Actor, event, rule, and consequence	Conditions, units, and limits	Exact authority	Type / confidence
S_AZ-P12-C068	A liquidated claim can support prejudgment interest even when liability is disputed.	The amount must be calculable from data without reliance on opinion or discretion under the read holdings. A statement or demand does not itself prove the amount legally due.	S026, ¶¶ 17–19; S027, ¶ 11.	J; high
S_AZ-P12-C069	The prejudgment-interest starting event requires the governing obligation and demand/due facts.	Fleming used demand for the loans before it. It does not make loan origination or last payment the universal accrual date. Settlement terms may make payment due on a different event.	S026, ¶¶ 17–19; S028, 170 Ariz. at 78–80.	J/G; bounded high
S_AZ-P12-C070	A judgment based on a written agreement bearing a lawful agreed rate uses that rate and must specify it.	The ordinary statutory judgment-rate cap is not automatically imposed on that lawful contract-rate branch. Actual agreement and judgment terms remain essential.	S002, § 44-1201(A)(2), (B).	T; high
S_AZ-P12-C071	The otherwise applicable § 44-1201(B) rate is the lesser of 10% annually or one percentage point above the specified H.15 prime rate.	The freshly read October 26, 2026 release reports 7.00%; the conditional resulting rate for the illustrated October 27 judgment is 8.00%.	S002, § 44-1201(B); S044.	T/X; high conditional calculation
S_AZ-P12-C072	A change in the statutory prime-based judgment rate takes effect on the first business day after Federal Reserve publication; the judgment’s specified rate does not subsequently change.	The 2024 amendment replaced the previous entry-date wording. Actual publication, business-day, and judgment-entry facts must be known.	S008, § 1; S009; S002, § 44-1201(B).	T; high
S_AZ-P12-C073	Section 44-1201 separately restricts prejudgment interest on unliquidated/future/punitive/exemplary damages and interest on future/punitive/exemplary damages.	Medical debt and condemnation have separate provisions. They are boundaries here, not ordinary-debt rate substitutes.	S002, § 44-1201(A)(1), (C)–(G).	T/G; high ordinary boundary
S_AZ-P12-C074	A rate provision alone does not authorize periodic capitalization of interest.	Metzler states that § 44-1201 does not provide for compound interest. Whether particular awarded pre-interest, costs, or fees are part of a new judgment’s interest-bearing base was not completely resolved here. M04 avoids that uncertainty.	S027, ¶ 22; S003, § 6-633(C).	J/T/G; bounded high
S_AZ-P12-C075	For the involuntary judgment payment in Paloma, absent contrary agreement or statute, payment applied first to accrued interest and then principal.	The court distinguished voluntary-payment allocation. Actual payment, applicable order, and contrary statutory/agreement provisions remain necessary.	S029, ¶¶ 24–26 & nn. 7–8.	J; high bounded holding
S_AZ-P12-C076	Metzler treated the accepted unconditional payment covering the judgment and interest as extinguishing the obligation on its facts.	It expressly did not decide the general effect of an unaccepted tender. An offer, escrow hold, or withheld amount is not treated here as a creditor payment.	S027, ¶ 26.	J/I; high limited holding
S_AZ-P12-C077	McKeon enforced a settlement’s payment contingency and declined to add interest the agreement did not provide before payment became due.	It is not a holding that an appeal or stay universally stops interest. General stay, appeal, deposit, and supersedeas effects remain held.	S028, 170 Ariz. at 78–80.	J/G; high bounded holding
S_AZ-P12-C078	The 2011 judgment-rate amendment cannot simply be applied to every existing judgment.	Paloma preserved the earlier judgment’s rate under the transition clause; Metzler addressed a new judgment after the earlier one was vacated. The original 2011 act failed on both official routes; the transition is reported here through the read opinions.	S029, ¶¶ 19–22; S027, ¶ 25; S048.	J/G; high holdings, enactment body held
S_AZ-P12-C079	The 2025 and 2026 official affected-statute tables were screened for the relevant Title 6 and Title 44 provisions.	They are amendment indexes, not complete operative bodies or a no-later-law certificate. The discovered SB1689 draft was not used as law. The original 1980 act remains unread.	S013–S014; S051; S017.	Index/G; bounded screen
S_AZ-P12-C080	The read Proposition 209 text contains medical-interest changes and prospective/contract-protection language.	The official pamphlet is pre-election enacted-text evidence; the proclamation/effective-date chain was not freshly completed. No medical or old-contract rate is selected from it here.	S012, §§ 7–10, printed pp. 106–107/PDF indexes 105–106.	T/G; text read, commencement held
S_AZ-P12-C081	The relevant Article 5 administrative rules were read in the posted Code and against the 2023 final notice.	The final notice gives October 7, 2023 effectiveness; September 1 publication is not that effective date. Current printed compilation is Supplement 25-4.	S015–S016.	T; high read chain
S_AZ-P12-C082	Loper Bright changed the judicial deference method but did not automatically overrule every earlier statutory holding relying on Chevron.	Its majority preserves ordinary statutory stare decisis for prior holdings. This is a limited later-treatment qualification for Smiley, not a complete current citator result.	S047, slip pp. 34–35/PDF indexes 41–42.	J/G; high narrow holding
S_AZ-P12-C083	M01’s $118.36 contract-interest and $98.63 conditional 10% figures follow the expressly stipulated principal, rate, and actual/365 convention.	Fictional arithmetic; no proof of any actual agreement or interest entitlement.	S002, § 44-1201(A)(2); S026; M01 inputs.	X; arithmetic verified
S_AZ-P12-C084	M02’s $600 excess-payment result follows only after the assumed unlawful-charge classification and actual payment.	A net-cash ratio is not itself legal APR or usury proof. No unpaid proposal is treated as paid interest.	S002, §§ 44-1203–1205; S018–S019; M02 inputs.	X; legal result conditional
S_AZ-P12-C085	M03’s $108.49 finance charge, $150 origination fee, and $3,508.49 remaining principal follow the stipulated applicable regime and credits.	Aggregate interest is rounded once; rate classification, fee history, and payment facts are assumed.	S003, §§ 6-601(1), 6-632(B), 6-633, 6-635(A)(4); M03.	X; arithmetic verified
S_AZ-P12-C086	M04’s $9,120.95 statutory-rate branch and $9,181.73 lawful-contract-rate branch are conditional reconciled balances.	Order, entitlement, day count, interest base, and actual credits are stipulated; the no-remittance branch differs.	S002, § 44-1201; S029, ¶¶ 24–26; S044; M04.	X; arithmetic verified
S_AZ-P12-C087	No actual balance, rate entitlement, charter, exemption, payment, contract, or judgment is established by this research.	All such facts remain unavailable without records outside this public-law-only task. Fictional documents are not templates or evidence about an actual actor.	Scope restriction; all conditional claims above.	G; intentional factual hold

Captured table 05

Case / source · Court, date, publication, posture · Material holding and disposition actually read · 16 data rows

Case / source	Court, date, publication, posture	Material holding and disposition actually read	Version and limits
J01 — Wieman v. Roysden, S017	Arizona Court of Appeals, Nov. 27, 1990; 166 Ariz. 281; attorney-sanctions appeal.	Defense that post-default charges exceeded the agreed rate was arguable; sanctions reversed/remanded. Material pp. 285–286.	Did not adjudicate usury liability. Discusses 1980 deregulation; original 1980 act not opened.
J02 — Grady v. Price, S018	Arizona Supreme Court, June 26, 1963; 94 Ariz. 252; construction-loan usury dispute.	Percentage service charge constituted interest on the facts; separate bonus-services issue required further determination. Affirmed in part/remanded. Pp. 254–258.	Former 8% ceiling; current use is fee characterization and intent analysis.
J03 — Altherr v. Wilshire, S019	Arizona Supreme Court, Dec. 27, 1968; 104 Ariz. 59; construction financing and prepaid services.	Examined reasonable fees, unused commitments, refunds, and recipient’s burden after prima facie excess; appellate opinion vacated, trial result reversed/remanded. Pp. 61–65.	Historical cap and facts; no universal refund-equals-usury rule.
J04 — Britz v. Kinsvater, S020	Arizona Supreme Court, May 4, 1960; 87 Ariz. 385; purported sale/repurchase arrangement.	Substance was a loan; intent and excessive-return elements satisfied; judgment affirmed. Pp. 390–394.	Historical 8% law; no modern numerical ceiling imported.
J05 — Small v. Ellis, S021	Arizona Supreme Court, Dec. 13, 1961; 90 Ariz. 194; accelerated note and usury defense.	Inception and contingency analysis; creditor had waived capitalized interest and pursued actual advances plus the stated rate; reversed. Pp. 195–202.	Does not authorize accelerated unearned interest or every default charge.
J06 — Burr v. Renewal Guaranty, S022	Arizona Supreme Court, Apr. 29, 1970; 105 Ariz. 549; Colorado-made commission-secured loan.	Applied substantial-relationship/usury choice principles; upheld Colorado rate and affirmed. P. 550.	Commercial/historical facts; not blanket consumer choice-clause enforcement.
J07 — Transamerica Financial v. Superior Court, S023	Arizona Supreme Court, June 21, 1988; 158 Ariz. 115; dismissal-stage borrower class claims involving 1980–1984 loans.	Recognized historical statutory-contract action without administrative exhaustion; vacated appellate ruling/remanded. Pp. 116–118.	Alleged affiliate/loan facts were not finally adjudicated.
J08 — Aros v. Beneficial Arizona, S024	Arizona Supreme Court, Apr. 20, 1999; 194 Ariz. 62; dismissal of historical consumer-loan claims.	General interest deregulation did not erase independent consumer-loan restrictions; dismissal disposition vacated/remanded. Material majority pp. 2–13/PDF indexes 1–12.	Historical loans and former statutory structure. Official PDF read; date additionally checked in republication metadata.
J09 — Dobson Bay v. La Sonrisa, S025	Arizona Supreme Court, Apr. 25, 2017; published majority; competing summary-judgment positions concerning a commercial balloon late fee.	Applied penalty test; challenged fee unenforceable; vacated appellate opinion, reversed partial summary judgment, remanded. ¶¶ 1–42.	Majority read. Separate dissent begins printed p. 16/PDF index 15 and was not relied on. Not a consumer percentage ceiling.
J10 — Fleming v. Tanner, S026	Arizona Court of Appeals, Dec. 10, 2019; published 1 CA-CV 17-0647; family-loan judgment appeal.	No contractual term interest where none contemplated; liquidated-demand prejudgment principles; required credit against the obligation; affirmed in part/vacated in part. ¶¶ 14–30.	Official PDF fetch failed; published opinion body read at Justia.
J11 — Metzler v. BCI, S027	Arizona Supreme Court, July 11, 2014; published majority; Rule 68/prejudgment-rate dispute after new judgment.	Separated 2011 regimes; applied statutory judgment-rate branch to the particular award; addressed new judgment and accepted payment; vacated/reversed/remanded. ¶¶ 1–27.	Current Rule 68 procedure was not investigated. No generic unaccepted-tender holding.
J12 — McKeon v. Hastings, S028	Arizona Court of Appeals, Nov. 26, 1991; 170 Ariz. 75; settlement payment contingent on appellate outcome.	Enforced payment contingency and rejected additional pre-due interest; affirmed. Pp. 76–80.	Historical § 44-1201; not a general stay/appeal interest suspension rule.
J13 — Flood Control District v. Paloma Investment, S029	Arizona Court of Appeals, May 26, 2015; 237 Ariz. 322; indemnity judgment, partial payments, and amended judgment appeal.	Preserved pre-2011 judgment rate and applied interest-first allocation to involuntary judgment payments; affirmed. ¶¶ 19–27.	Official PDF fetch failed; full relevant published text read at Syfert. Underlying 2011 act quoted by court, not separately recovered.
J14 — Marquette National Bank v. First of Omaha, S045	U.S. Supreme Court, Dec. 18, 1978; 439 U.S. 299; unanimous majority reviewing state-court bank-rate dispute.	National bank could use the rate authorized where it was located on the facts; affirmed. Material pp. 301–304, 306–313, 315–319.	Official U.S. Reports PDF; intervening background portions not claimed as fully read. Modern branch/true-lender facts held.
J15 — Smiley v. Citibank, S046	U.S. Supreme Court, June 3, 1996; 517 U.S. 735; unanimous majority reviewing judgment on pleadings.	Upheld federal “interest” treatment of late fees; affirmed. Majority pp. 737–747/PDF indexes 2–12.	Chevron reasoning is historical; see J16. No actual bank or fee cleared.
J16 — Loper Bright Enterprises v. Raimondo, S047	U.S. Supreme Court, June 28, 2024; published majority.	Independent judicial statutory interpretation; prior statutory holdings retain ordinary stare decisis protection. Slip pp. 34–35/PDF indexes 41–42.	Only this material later-treatment portion read. Full majority, separate writings, and subsequent treatment not comprehensively reviewed.

Captured table 06

Source ID · Issuer / document and full literal HTTPS URL(s) · Exact material read; version, effect, and limits · 16 data rows

Source ID	Issuer / document and full literal HTTPS URL(s)	Exact material read; version, effect, and limits
S_AZ-P12-S001	Arizona Legislature, Constitution: https://www.azleg.gov/const/2/25.htm https://www.azleg.gov/const/4/1.p1.htm Index: https://www.azleg.gov/constitution/	B/P: art. II § 25; art. IV pt. 1 § 1(1)–(8), (13)–(14). Official displayed text. Index edition disclaimer limits a whole-constitution currentness claim; no exhaustive constitutional-rate inventory.
S_AZ-P12-S002	Arizona Legislature, Title 44: https://www.azleg.gov/ars/44/01201.htm https://www.azleg.gov/ars/44/01202.htm https://www.azleg.gov/ars/44/01203.htm https://www.azleg.gov/ars/44/01204.htm https://www.azleg.gov/ars/44/01205.htm https://www.azleg.gov/ars/44/01206.htm https://www.azleg.gov/ars/44/06001.htm https://www.azleg.gov/ars/44/06002.htm https://www.azleg.gov/ars/44/06852.htm https://www.azleg.gov/ars/44/07802.htm	B: listed section bodies read. Current displayed official compilation, checked against the material acts/indexes listed below. Medical-provider definitions, retirement-plan, escrow, and every other incorporated regime not completely read. § 44-7802 read only as a contract-evidence boundary; no actual card assent finding.
S_AZ-P12-S003	Arizona Legislature, Title 6: https://www.azleg.gov/ars/6/00601.htm https://www.azleg.gov/ars/6/00602.htm https://www.azleg.gov/ars/6/00603.htm https://www.azleg.gov/ars/6/00613.htm https://www.azleg.gov/ars/6/00631.htm https://www.azleg.gov/ars/6/00632.htm https://www.azleg.gov/ars/6/00633.htm https://www.azleg.gov/ars/6/00634.htm https://www.azleg.gov/ars/6/00635.htm https://www.azleg.gov/ars/6/00636.htm	B/P: definitions, exemptions, remedies, rate/charge/computation/insurance bodies read; § 6-603(A)–(B) and § 6-631(A)–(B) read for limited predicates. Current displayed compilation; 2014 material rate/fee act read. Secured cross-references, full licensing, and Title 20 insurance calculations deferred.
S_AZ-P12-S004	Arizona Legislature, Title 47: https://www.azleg.gov/ars/47/03102.htm https://www.azleg.gov/ars/47/03104.htm https://www.azleg.gov/ars/47/03112.htm https://www.azleg.gov/ars/47/03302.htm https://www.azleg.gov/ars/47/03305.htm	B/P: §§ 47-3102, -3104, -3112, -3302; § 47-3305(A)–(C). Subsection D and the complete consumer-holder/Article 3 regime not read. No actual negotiability or HDC finding.
S_AZ-P12-S005	Arizona Legislature, attorney fees: https://www.azleg.gov/ars/12/00341-01.htm	B: § 12-341.01, complete body. Discretionary contested-contract fee provision; no actual award or complete fee litigation analysis.
S_AZ-P12-S006	Arizona Legislature, retroactivity: https://www.azleg.gov/ars/1/00244.htm	B: § 1-244, complete body. General statutory rule; specific transition construction remains necessary.
S_AZ-P12-S007	Arizona Legislature, cross-referenced fee provision: https://www.azleg.gov/ars/32/00507.htm	P: subsection A’s fee entries, including dishonored-payment entry. Read to identify the § 44-6852 exception; not used as an ordinary loan-fee authorization.
S_AZ-P12-S008	Arizona Legislature, Laws 2024, ch. 3: https://www.azleg.gov/legtext/56leg/2r/laws/0003.htm	B: complete § 1 and approval/filed notation, March 18, 2024. No separate retroactive/special-effective clause in the read act. General effective date September 14, 2024 supported by S009.
S_AZ-P12-S009	Arizona Legislature, General Effective Dates: https://www.azleg.gov/general-effective-dates/	B: relevant session entries, including July 20, 2011; July 24, 2014; September 14, 2024; September 26, 2025; September 12, 2026. Official operational table, read with each act rather than replacing its own clauses.
S_AZ-P12-S010	Arizona Legislature, Laws 2014, ch. 96: https://www.azleg.gov/legtext/51leg/2r/laws/0096.pdf	B: complete five-PDF-page act; § 2 printed pp. 1–3/PDF indexes 1–3; § 3 printed pp. 3–4/PDF indexes 3–4. Approved April 17/filed April 18, 2014; general effective date July 24, 2014. Rate tiers, § 6-632(F), and $150 origination change.
S_AZ-P12-S011	Arizona Legislative Council, 2014 Report on Defects: https://www.azleg.gov/alisPDFs/council/2014_Annual_Report_on_Defects.pdf	P: printed p. 19/PDF index 22, proposed clarification of § 6-632(F) to July 24, 2014. Recommendation, not enacted amendment.
S_AZ-P12-S012	Arizona Secretary of State, 2022 publicity pamphlet, Proposition 209 text: https://apps.azsos.gov/election/BallotMeasures/2022/azsos_2022_publicity_pamphlet_standard_english_web_version.pdf	P: §§ 7–10, printed pp. 106–107/PDF indexes 105–106. Official pre-election text; prospective/contract clauses read. Governor’s proclamation and complete commencement chain not freshly recovered.
S_AZ-P12-S013	Arizona Legislative Council, 2025 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf	IX: dated July 18, 2025, chapters 1–265; Title 6 printed pp. 1–2/PDF indexes 0–1 and Title 44 printed p. 17/PDF index 16. Amendment-index screen only.
S_AZ-P12-S014	Arizona Legislative Council, 2026 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf	IX: dated August 19, 2026, chapters 1–264; Title 6 printed p. 2/PDF index 1; Title 44 printed pp. 19–20/PDF indexes 18–19. No complete later-law certificate.
S_AZ-P12-S015	Arizona Secretary of State, 20 A.A.C. 4: https://apps.azsos.gov/public_services/Title_20/20-04.pdf	B/P: Article 5’s operative R20-4-503, -508, -518, -519, -524, -534 and repealed/reserved entries; printed pp. 18–20/PDF indexes 19–21. Supplement 25-4, December 31, 2025. No Article 6 provider-fee rerun. Text extraction read; no successful visual-inspection claim.
S_AZ-P12-S016	Arizona Secretary of State/DIFI, final rulemaking R23-157: https://apps.azsos.gov/public_services/register/2023/35/contents.pdf	B/P: 29 A.A.R. 1942–1945; item 3 printed p. 1942/PDF index 27; operative amendments printed pp. 1944–1945/PDF indexes 29–30. Published September 1, effective October 7, 2023.

Source links captured in this table

Captured table 07

Source ID · Court text / full literal URL · Read scope and source limitations · 13 data rows

Source ID	Court text / full literal URL	Read scope and source limitations
S_AZ-P12-S017	Wieman: https://law.justia.com/cases/arizona/court-of-appeals/1990/166-ariz-281.html	B, republication: material opinion including pp. 285–286. Justia, not official image. Date/posture in J01; no full subsequent-history review.
S_AZ-P12-S018	Grady: https://law.justia.com/cases/arizona/supreme-court/1963/7053-0.html	B, republication: material majority pp. 254–258 and disposition. Historical rate law.
S_AZ-P12-S019	Altherr: https://law.justia.com/cases/arizona/supreme-court/1968/9299-pr-0.html	B, republication: material majority pp. 61–65 and disposition. Historical ceiling and service facts.
S_AZ-P12-S020	Britz: https://law.justia.com/cases/arizona/supreme-court/1960/6621-0.html	B, republication: material majority pp. 390–394 and disposition. Historical cap; substance/intent holding only as qualified.
S_AZ-P12-S021	Small: https://law.justia.com/cases/arizona/supreme-court/1961/6634-0.html	B, republication: material body pp. 195–202, including creditor’s waiver and disposition. No modern late-fee safe harbor.
S_AZ-P12-S022	Burr: https://law.justia.com/cases/arizona/supreme-court/1970/9828-0.html	B, republication: opinion body and disposition, especially p. 550. Historical out-of-state commercial loan.
S_AZ-P12-S023	Transamerica: https://law.justia.com/cases/arizona/supreme-court/1988/cv-87-0343-pr-2.html	B, republication: pp. 116–118 and disposition. Dismissal posture; former statute.
S_AZ-P12-S024	Aros, official PDF: https://www.azcourts.gov/Portals/0/23/pdf1999/cv970502.pdf Date metadata cross-check: https://law.justia.com/cases/arizona/supreme-court/1999/cv970502-1.html	B: official material majority printed pp. 2–13/PDF indexes 1–12. Republication used for metadata, not a second opinion or independent corroboration.
S_AZ-P12-S025	Dobson Bay, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2017/CV160029PR.pdf	B: majority ¶¶ 1–42, printed pp. 2–15/PDF indexes 1–14. Dissent not relied on.
S_AZ-P12-S026	Fleming, recovered published body: https://law.justia.com/cases/arizona/court-of-appeals-division-one-published/2019/1-ca-cv-17-0647-0.html Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2019/1%20CA-CV%2017-0647.pdf	B + F: material ¶¶ 1–30 at Justia. Official retrieval produced no usable body; HTTP status not preserved in the read record. No official image/citator certification.
S_AZ-P12-S027	Metzler, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2014/CV130302PR.pdf	B: material majority ¶¶ 1–27 and disposition. Paragraph pinpoints used; exact printed/PDF page mapping not asserted here.
S_AZ-P12-S028	McKeon: https://law.justia.com/cases/arizona/court-of-appeals/1991/170-ariz-75.html	B, republication: full material opinion pp. 76–80 and disposition. Historical statute; conditional settlement.
S_AZ-P12-S029	Paloma, recovered published body: https://syfert.com/arizona/cases/237-ariz-322/flood-control-district-v-paloma-investment-ltd-partnership Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2015/1%20CA-CV%2013-0750.pdf	B + F: ¶¶ 1–27 and notes, especially ¶¶ 19–27, printed reporter pp. 326–329. Host identifies CourtListener-derived data; official image not recovered. Automated host ratings were ignored. HTTP failure status not preserved.

Source links captured in this table

Captured table 08

Source ID · Issuer / document and full literal URL(s) · Material read, currency/effect, and limits · 15 data rows

Source ID	Issuer / document and full literal URL(s)	Material read, currency/effect, and limits
S_AZ-P12-S030	OLRC, Title 12: https://uscode.house.gov/us/usc/119-124/t12/s85/ https://uscode.house.gov/us/usc/119-124/t12/s86/ https://uscode.house.gov/us/usc/119-124/t12/s1831d/ https://uscode.house.gov/us/usc/119-124/t12/s1463/ https://uscode.house.gov/us/usc/119-124/t12/s1757/	B/P: §§ 85, 86, 1831d(a)–(b), 1463(g), 1757(5)(A)(vi)–(ix). Displayed through Pub. L. 119-124, October 15, 2026. Not all definitions, notes, opt-outs, or other subsections read.
S_AZ-P12-S031	eCFR/OCC: https://www.ecfr.gov/current/title-12/chapter-I/part-7/subpart-D/section-7.4001 https://www.ecfr.gov/current/title-12/chapter-I/part-160/section-160.110	B: § 7.4001(a)–(e), § 160.110(a)–(d). Displayed Title 12 currency October 23, 2026. Rate definition, conditions, and transfer rules; complete litigation validity not certified.
S_AZ-P12-S032	eCFR/FDIC: https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.2 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.3 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.4	B: definitions, host-state branch provision, and interest/transfer rule. Incorporated § 1813 definitions and complete opt-out/where-made law remain incomplete.
S_AZ-P12-S033	eCFR/NCUA: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.5 https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21	B/P: § 701.5(a), (b)(1)–(4), (c)–(d); § 701.21(a), (c)(6)–(7), including Board-notice mechanism. Mortgage due-on-sale and complete PAL conditions not read. Current display reflects 2026 reorganization.
S_AZ-P12-S034	OCC, 2020 transfer-interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-06-02/pdf/2020-11963.pdf Same document HTML: https://www.federalregister.gov/documents/2020/06/02/2020-11963/permissible-interest-on-loans-that-are-sold-assigned-or-otherwise-transferred	B/P: 85 F.R. 33530–33536; DATES, true-lender limit printed p. 33535/PDF index 5, operative text p. 33536/index 6. Effective August 3, 2020. Other preamble portions partial.
S_AZ-P12-S035	FDIC, 2020 interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14114.pdf	B/P: 85 F.R. 44146–44158; DATES, true-lender discussion p. 44153/PDF index 7, operative material p. 44158/index 12. Effective August 21, 2020. Complete opt-out discussion not read.
S_AZ-P12-S036	Congress, Pub. L. 117-24: https://www.govinfo.gov/content/pkg/PLAW-117publ24/pdf/PLAW-117publ24.pdf	B: complete one-page law, 135 Stat. 296/PDF index 0, approved June 30, 2021. Disapproval of identified OCC true-lender rule.
S_AZ-P12-S037	NCUA, 2026 interim final rule: https://www.govinfo.gov/content/pkg/FR-2026-06-09/pdf/2026-11559.pdf	B/P: 91 F.R. 34725–34733; DATES p. 34725/index 0, material explanation p. 34727/index 2, operative beginning p. 34732/index 7. Effective June 30, 2026; comment deadline is not effectiveness. Tail read was partial; current material regulation separately read.
S_AZ-P12-S038	NCUA Letter 26-FCU-02: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0	B: February 2026, displayed active; 18% ceiling extended through September 10, 2027. Official notice mechanism supported by § 701.21(c)(7)(ii)(B).
S_AZ-P12-S039	NCUA public announcement: https://ncua.gov/newsroom/press-release/2026/ncua-board-extends-loan-interest-rate-ceiling	B, agency news: dated February 6, 2026. Supports announced extension, not independent rule authority. Meeting-date wording does not fully reconcile with the letter.
S_AZ-P12-S040	NCUA supplemental analysis: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0/supplemental-info	P, official analysis: supporting discussion read in part; not a separately read Board resolution. Exact meeting chronology held.
S_AZ-P12-S041	CFPB, Regulation Z display/comments: https://www.consumerfinance.gov/rules-policy/regulations/1026/4/ https://www.consumerfinance.gov/rules-policy/regulations/1026/22/ https://www.consumerfinance.gov/rules-policy/regulations/1026/52/ https://www.consumerfinance.gov/rules-policy/regulations/1026/55/	B/P: § 4(a), (b)(1)–(2), (c)(1)–(2), relevant comments; § 22(a)(1), comments 1–4; material §§ 52–55 portions. § 52 displays older dollar figures; not accepted as current. Full TILA coverage/notice/insurance bodies incomplete.
S_AZ-P12-S042	eCFR, Regulation Z: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.52 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55	B/P: material § 52(a)–(b) and § 55(a), (b)(1)–(5), (c)–(e). Banners through October 22–23, 2026. § 52 displays $8/$32/$43 framework despite S043’s vacatur report; numerical legal effect held. SCRA/LIBOR branches and notice cross-references incomplete.
S_AZ-P12-S043	CFPB semiannual-report PDF: https://files.consumerfinance.gov/f/documents/cfpb_semi-annual-report_spring-2025.pdf	P, official report: § 2.2.2, printed p. 26/PDF index 25, reports April 2025 late-fee-rule vacatur. Body discusses an October 2024–December 2025 reporting period despite filename. Publication date not established here; report is not the judicial order.
S_AZ-P12-S044	Federal Reserve, H.15: https://www.federalreserve.gov/releases/h15/	B, official data: October 26, 2026 release; bank prime loan rate 7.00 for the displayed October 19–23 columns. Dynamic URL; this is the release actually read, not a future rate guarantee.

Source links captured in this table

Captured table 09

Source ID · Document / full literal URL · Read status and limits · 8 data rows

Source ID	Document / full literal URL	Read status and limits
S_AZ-P12-S045	Marquette, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-439/pdf/USREPORTS-439-299.pdf	B/P: material majority pp. 301–304, 306–313, 315–319 within PDF indexes 0–20. Background gaps preserved; no full citator.
S_AZ-P12-S046	Smiley, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-517/pdf/USREPORTS-517-735.pdf	B: material majority pp. 737–747/PDF indexes 2–12 and disposition. Historical deference method qualified by S047.
S_AZ-P12-S047	Loper Bright, official Supreme Court opinion: https://www.supremecourt.gov/opinions/23pdf/22-451_7m58.pdf	P: majority slip pp. 34–35/PDF indexes 41–42. Narrow prior-holding/stare-decisis passage and disposition; not full opinion or separate writings.
S_AZ-P12-S048	Laws 2011, ch. 99 attempted official routes: https://www.azleg.gov/legtext/50leg/1r/laws/0099.htm https://www.azleg.gov/legtext/50leg/1r/laws/0099.pdf	F only: neither route yielded usable body. Exact HTTP status was not preserved. No unchanged retry loop. § 17(B) is available here only as quoted/construed in S029 and applied in S027. Next: readable official session-law body.
S_AZ-P12-S049	15 U.S.C. § 1610 attempted official routes: https://uscode.house.gov/us/usc/119-124/t15/s1610/ https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1610&num=0&edition=prelim	F only: first route inaccessible; alternate returned 404 through retrieval. No body relied on. Next: a readable official codification/session-law source for the specific state-law interaction.
S_AZ-P12-S050	Attempted additional retail section: https://www.azleg.gov/ars/44/06003.htm	F only: no usable body; exact HTTP status not retained. It was not a necessary authority for the read §§ 44-6001–6002 analysis. Failure is not proof of statutory absence.
S_AZ-P12-S051	Arizona SB1689 introduced text discovery: https://www.azleg.gov/legtext/57leg/2r/bills/sb1689p.htm	D only: proposed rate-threshold language surfaced in discovery; not treated as an enacted amendment. The bill’s final status was not independently certified.
S_AZ-P12-S052	Markham memorandum-opinion discovery: https://www.omlaw.com/wp-content/uploads/Markham_Contracting_Co._v._F.pdf	D only: snippet-level discovery concerning judgment-interest base. Body and citation-rule predicates not verified; not used as authority.

Source links captured in this table

Captured table 10

Row · Material event / status · Established here · 12 data rows

Row	Material event / status	Established here	Exact remaining limit
V01	Constitutional and statutory compilations	Official bodies and relevant clauses read, S001–S007.	Complete constitutional amendment inventory and every incorporated statute not established.
V02	Historical 8% law / 1980 deregulation	Older cases’ operative ceilings identified; Wieman describes the 1980 change.	Original Laws 1980, ch. 200, §§ 9–10 not opened; no full commencement chain certified.
V03	2011 judgment-rate change	Published Paloma and Metzler holdings read; July 20 general effective date read.	Original ch. 99 body unavailable on both official routes.
V04	2014 consumer-loan changes	Ch. 96 operative body and July 24, 2014 general effective date read.	Suggested Legislative Council wording is not an enacted correction; actual old-loan facts remain necessary.
V05	Proposition 209	Official text and prospective/contract clauses read.	Fresh proclamation/commencement chain incomplete; medical branch deferred.
V06	Article 5 rules	Posted Code and 2023 final amendments read; effective October 7, 2023.	No full history of every prior rule version or later judicial treatment.
V07	2024 judgment-rate reference event	Ch. 3 and September 14, 2024 effectiveness established.	Actual judgment date/publication/business-day facts remain required.
V08	2025–2026 legislation	Relevant TOSA blocks read; proposed SB1689 not substituted for law.	Index screen is not every-enactment or later-law certification.
V09	Federal transfer rules / true-lender disapproval	2020 rules and 2021 disapproval law separately read.	Complete current litigation, opt-out, and true-lender developments not certified.
V10	NCUA 2026 changes	Interim final rule effective June 30; official 18% notice through September 10, 2027.	Exact meeting chronology conflicts in agency materials; complete PAL and litigation branches held.
V11	Federal credit-card fees	Conflicting current displays and agency-reported vacatur documented.	Actual vacatur order, surviving operative text, and current adjustment notice required before a dollar cap.
V12	External data and precedent	October 26 H.15 rate actually read; sixteen opinion records scoped.	Dynamic later rate changes and complete subsequent judicial history not certified.

Captured table 11

Posture · Fictional facts and necessary evidence · Conditional consequence / adverse branch · 16 data rows

Posture	Fictional facts and necessary evidence	Conditional consequence / adverse branch	Claims
F01 — Local nonbank simple loan	A one-time Arizona lender advances $12,000 under a genuine written 12% simple-interest agreement; no special sector applies.	General written-rate branch is available if those facts and agreement are proved. If another statute governs, the label does not remove its restrictions.	C003, C017–C018, C083
F02 — No rate versus no interest bargain	An oral family loan contains no discussed interest obligation.	Do not automatically impose term interest. A later liquidated-demand claim is a separate issue. If evidence instead establishes interest was owed but no different written rate, analyze the statutory branch.	C004, C068–C069
F03 — Retail purchase	A household appliance is sold in six installments with a finance charge.	Test retail definitions and contract terms. A cash-loan formula or motor-vehicle statute cannot be imported merely because payments are monthly.	C012–C015
F04 — Open-end balance without dates	A statement shows a $4,000 balance, but advance dates, billing method, limit, and payment dates are missing.	No defensible interest total follows from the ending balance alone. Obtain daily/cycle inputs and classify the account first.	C008–C009, C020, C026
F05 — Withheld processing charge	A $4,000 face loan disburses $3,800 after a $200 processing deduction.	Fee purpose and applicable charge statute control; net-cash cost alone does not prove usury. Under M02’s violation assumptions, principal credits and excess-payment recovery differ from ordinary interest accounting.	C010, C039–C041, C084
F06 — Actual third-party cost	The same $200 goes to a vendor, but the invoice may be either an authorized public-filing expense or an unauthorized processing service.	Actual payment to a third party is insufficient by itself. The statutory expense category and lawful actual amount must match.	C010, C024, C031–C032
F07 — Late installment	An installment is unpaid, but the transaction might be a small general loan, licensed consumer loan, or retail sale.	Ten-day/$10, seven-day/5%, and retail-dollar rules cannot be blended. Payment and installment facts determine whether the correct predicate occurred.	C007, C014, C023
F08 — Extension of old loan	A loan existed before July 24, 2014; a later restructuring advances $75 and raises the rate.	If § 6-632(F) applies, its no-higher-rate condition matters. A genuinely new transaction or different dates requires separate proof; no automatic restart or new-fee entitlement.	C022, C027–C029
F09 — Bank-origin claim sold to nonbank	A purchaser possesses a statement saying “bank-originated,” without charter, location, origination, or transfer evidence.	No rate exportation finding. A valid transfer-interest rule does not supply missing originator facts.	C050–C056
F10 — Proposed usury penalty	A borrower demands twice all billed finance charges, but actual interest payments are unknown.	Bank statutes distinguish paid interest from reserved/charged interest and differ from Arizona and FCU remedies. No numerical recovery can be determined.	C039–C044, C057–C062
F11 — Contract rate versus judgment formula	A court enters a judgment on a lawful written 12% obligation while the ordinary statutory formula is 8%.	The contract-rate branch can govern; the 8% calculation is not a universal cap. An invalid or unproved agreement changes the branch.	C070–C072
F12 — Payment in escrow	$1,000 is held by an intermediary but has not reached the creditor; the ledger nevertheless reduces principal.	No actual-credit assumption. M04 shows the different balance if remittance occurs versus remains held.	C075–C076, C086
F13 — Controlled variable index	A qualifying consumer lender increases a rate using an index it controls.	The § 6-632(C) predicate fails. A public independent index still requires the remaining contractual, movement, and notice conditions.	C021, C065
F14 — Optional insurance cancellation	A consumer sends qualifying written cancellation twenty days after a Title 6 loan is made.	Apply the read thirty-day full-premium provision if product and notice predicates hold. Later cancellation/unearned-premium calculations require the incorporated insurance law.	C025
F15 — Large default-only charge	A balloon-payment default triggers a large flat fee plus default interest and reimbursement of all collection expense.	Dobson requires a penalty analysis; calling it a default charge does not exempt it. Actual or anticipated loss and proof difficulty remain factual issues.	C034, C036–C037
F16 — Assignee claims HDC immunity	A buyer holds an overdue account printout and invokes holder-in-due-course status.	First establish a negotiable instrument, then value/good faith/notice and other predicates. A generic debt purchase and account printout are insufficient classifications.	C045–C047

Captured table 12

Row · Requested issue · Status / claims · 27 data rows

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G01	Constitutional architecture	P — C001–C002	Contract/effective-date clauses read. Complete constitutional amendment inventory remains to be established before an exhaustive negative statement.
G02	Actor/obligation/date classification	P — C003–C030	Competing statutory branches mapped. Actual purpose, amount, limit, creditor activity, contract, and dates intentionally unavailable.
G03	Ordinary written agreed rate	A — C003	General rule and special-law qualification established. No actual agreement evaluated.
G04	No agreed rate / no interest bargain	P — C004, C047	Fleming and instrument distinction established. Actual intent and obligation terms needed.
G05	Variable rate	P — C021, C047, C065	Read state consumer-loan and instrument rules. Full federal notice bodies and actual index history needed.
G06	General small closed-end loan	A — C006–C007, C010–C011	Threshold, permitted computation, delinquency, additional charges, and refund framework read.
G07	Non-card revolving loan	A — C008	Relevant statutory scope and methods read; no amount computed without dates.
G08	State credit-card route/election	P — C009, C067	State charges/election/exclusions read. Actual account choice and federal currentness unresolved.
G09	Retail installment/charge account	P — C012–C016	Definitions, finance, late, and balance rules read. Dishonored-charge overlap and actual election remain.
G10	Title 6 consumer purpose/resident/regular-business gate	P — C017–C018	Definitions and exemptions read. Actual activity and exclusion evidence absent.
G11	Closed-end consumer rate tiers	A — C019	Current displayed tiers and alternative blend read; 2014 act checked.
G12	Consumer revolving tiers	A — C020	Periodic-rate tiers and monthly blend read.
G13	Origination charge and repeat-fee timing	A — C022	5%/$150 and specified one-year restriction established.
G14	Delinquency thresholds and units	A — C007, C014, C023	Separate statutory branches preserved without blending.
G15	Service/processing/third-party costs	P — C010, C024, C031–C032	Categories and restrictions read. Actual invoices, payees, services, and statutory qualification needed.
G16	Discount/reserve treatment	P — C008–C009, C063	Specific purchase-discount provisions read. No universal reserve or discount rule established; obtain actual arrangement and responsive authority.
G17	Insurance and refunds	P — C025	Optionality/thirty-day route and rule records read. Incorporated Title 20 unearned-premium calculations remain.
G18	Default-only penalty test	A — C034, C036–C037	Published tests and limiting facts established; no actual penalty adjudication.
G19	Extension, restructuring, prepayment	P — C011, C027–C029	Statutory methods and 2014 transition read. Actual agreement and prior-fee/history inputs required.
G20	Net proceeds, financed amounts, simple/compound	P — C026, C030, C074	Distinctions established. Actual contract/account base and complete judgment-component treatment needed.
G21	APR versus usury	P — C030, C063–C064	Different measurements established. Full federal disclosure coverage and § 1610 body remain.
G22	Intent, presumptions, burden	P — C031–C037	Bounded published holdings read. No universal clear-and-convincing rule established; targeted current authority needed if material.
G23	General usury civil remedy/clock	P — C039–C041	Forfeiture, principal credit, excess recovery read. Exact independent-action clock and all interest-start questions unresolved.
G24	Title 6 civil consequences	A — C042–C044	Statutory tiers/error exception and historical private-action holding distinguished.
G25	Recovery, principal, fees, double counting	P — C038–C044, C057–C062	Different remedies separated. Actual payments, claimant, election, offset, and award facts needed.
G26	Assignee/HDC boundaries	P — C045–C047	Negotiability and HDC predicates read. Full consumer-holder rules and actual transfer/instrument facts remain.
G27	Choice of law	P — C048	Burr’s bounded holding read. Modern consumer-specific conflict and evasion facts require further authority.

Captured table 13

Row · Requested issue · Status / claims · 19 data rows

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G28	National-bank exportation	P — C050–C052	Statute, regulation, and Supreme Court holdings read. Actual charter/location/origination facts unavailable.
G29	Insured state-bank exportation	P — C053	Statute/rule bodies read. Complete opt-out/where-made and incorporated definitions remain.
G30	Savings-association branch	P — C054, C059	Statutory/regulatory rate and remedy provisions read. Actual qualifying actor/transaction absent.
G31	Federal/state credit-union distinction	P — C060–C062	Ordinary FCU framework and current notice read. Full PAL and state-chartered-credit-union branches deferred.
G32	Transfers / valid-when-made / true lender	P — C055–C056	Separate rules and disapproval law read. Actual true lender, complete later litigation, and applicable opt-out unresolved.
G33	Federal usury remedy clocks	P — C057–C062	Textual claimant, payment, multiplier, and two-year differences read. No actual payment/transaction clock selected.
G34	Federally insured/guaranteed special loan	P — C049	State exemption text read. Exact federal program and qualification remain.
G35	Card increases and notice	P — C065	Material exceptions read. § 1026.9 and actual notice/delivery/account facts required.
G36	Current federal card late-fee dollars	U — C066	Conflicting displays documented. Read actual final vacatur order, surviving text, and current adjustment notice before selecting a number.
G37	Liquidated prejudgment claim	P — C068–C069	Test and bounded demand holding read. Actual due amount, entitlement, and starting event absent.
G38	Contract versus statutory judgment rate	A — C070–C072	Distinct rate branches established.
G39	Date-specific external reference rate	A — C071	October 26, 2026 H.15 7.00% actually read; conditional 8% calculation verified.
G40	Fixed rate / publication event	A — C072	Current rule and 2024 amendment established.
G41	Old-judgment transition	P — C078	Published constructions read. Original 2011 act body remains unavailable.
G42	Judgment base: prior interest/costs/fees	P — C038, C074	No automatic capitalization assumed. Responsive published authority and actual order needed for each component.
G43	Partial payment allocation	P — C075	Paloma involuntary-payment holding read. Actual payment, order, and contrary agreement/statute absent.
G44	Tender, appeal, stay, deposit	P — C076–C077	Accepted-payment and conditional-settlement holdings distinguished. General stay/deposit effects not established.
G45	Settlement payment event	P — C069, C077	Payment contingency can matter. Actual settlement terms and complete applicable law absent.
G46	Required records / operative forms	P — C028	Article 5 record/statement duties read. No actual form completed; no universal interest-computation form or actual order established.

Captured table 14

Row · Requested issue · Status / claims · 16 data rows

Row	Requested issue	Status / claims	Resolved portion; exact missing evidence / next action
G47	Published majority bodies and posture	P — C031–C082	Sixteen scoped opinion records supplied. Republication/partial-read limits and absent official images remain identified.
G48	Complete later treatment/citator	U — C079, C082	No complete citator performed. Targeted later opinions/amendments required before actual reliance.
G49	Original 1980 deregulation act	U — C035, C079	Court description read; original ch. 200 §§ 9–10 not opened. Obtain official session-law body and commencement.
G50	2014 rate/fee transition	A — C029	Act, general effective date, and nonbinding clarification distinguished.
G51	2024 judgment-rate amendment	A — C072	Act and general effective date read.
G52	Proposition 209 commencement	P — C080	Text and prospective clauses read. Proclamation/effective chain and medical definitions remain.
G53	Article 5 adoption/effect	A — C081	Posted operative rules and 2023 final notice read.
G54	2026 NCUA changes	P — C060–C061	Rule/notice effective statuses read. Complete judicial treatment and meeting chronology held.
G55	Necessary incorporated bodies	P — C025, C046, C053, C064–C065	Missing Title 20, consumer-holder, § 1813, § 1610, and notice bodies expressly limited; retrieve only when branch is selected.
G56	Failed official source routes	U — S026, S029, S048–S050	Exact attempted URLs preserved. Recovered opinions disclosed; unrecovered act/statute bodies require a readable official alternative, not inference from failure.
G57	M01 simple loan model	A — C083	Inputs, convention, rate alternatives, actual credit, and adverse branch shown.
G58	M02 fee/net-proceeds model	A — C084	Classification alternatives, paid/unpaid branches, and refund ledger shown.
G59	M03 consumer revolving model	A — C085	Tiers, origination, rounding, actual allocation, and prior-fee branch shown.
G60	M04 judgment model	A — C086	Pre/post rates, publication event, allocations, actual credits, and escrow alternative shown.
G61	At least twelve fictional postures	A — C003–C086	Sixteen distinct postures supplied. No actual eligibility or permission finding.
G62	Actual private records	U — C087	No contract, charter, ledger, payment receipt, loan file, or judgment inspected. Those facts remain intentionally unavailable.

Captured table 15

Row · Requested boundary · Status / claims · 14 data rows

Row	Requested boundary	Status / claims	Exact remaining scope / next action
G63	County/local court rules and practice	E — C087	No local interest-order or payment-processing practice investigation. Select only after an actual authorized court-specific task; no county inventory claimed.
G64	Tribal/Indian-country jurisdiction	U — C048, C087	No tribal law, sovereign status, or territorial facts researched. Requires a distinct jurisdiction-specific pass.
G65	Interstate/foreign-contract application	P — C048, C050–C056	Limited choice/exportation principles supplied. Actual places, law clauses, charter, and transaction history remain held.
G66	Debt-management/provider/CSO fees and licensing	E	Separate regimes; no rerun or acceptance of prior provider work.
G67	Collection communications/validation/FDCPA conduct	E	Separate PASS-07-type requirements; no fee-collection conduct permission inferred.
G68	Full merits, ownership chain, evidence, arbitration	E	Only indispensable rate/holder predicates addressed. Full contract/assignment/arbitration proof remains separate.
G69	Limitations, revival, judgment duration/renewal	E	Only narrow interest-remedy clocks/transition clauses addressed. No prior unreviewed clocks imported.
G70	Service, default, vacatur, full appeal procedure	E	No court-response or filing-calendar report; actual interest-order effects held.
G71	Wage, bank, homestead, other property enforcement	E	No exemption or execution formulas imported into interest balances.
G72	Mortgage/security, tax, support, restitution	E	Only necessary statutory boundaries identified. Full special enforcement/rate regimes require separate passes.
G73	Auto, medical, student, utility, insurance and other sectors	E	Ordinary-debt findings do not establish their special charges, caps, or remedies.
G74	Bankruptcy, SCRA, MLA, high-cost lending	E	No comprehensive stay/discharge/military/high-cost analysis; no generic exemption or interest pause inferred.
G75	Full damages, class remedies, fee litigation, regulatory enforcement	E	Limited civil-effect gateway only. Actual claims, elections, standing, amounts, and procedural requirements remain.
G76	Whole Arizona/country/parent acceptance	E	No state, country, parent, A066, A097, or A098 acceptance or operational/publication readiness.

Captured table 16

Row · Existing foundation / status supplied by user · Narrow contribution of PASS-12 · 4 data rows

Row	Existing foundation / status supplied by user	Narrow contribution of PASS-12	What remains unchanged
X01	Reviewed PASS-01 statement: “Full agreements/funds/bonds/remedies and all other state categories stay open.”	Supplies a focused public-law interest/usury/charge/judgment-interest investigation.	This is not an invented exact PASS-01 interest row and does not accept the broad remainder.
X02	Authorized parent requires ordinary-debt contracts/charges and judgment interest; dimensions remain unaccepted.	Adds the source, claim, calculation, and gap records in this answer.	Parent and state acceptance remain open.
X03	PASS-02 concerns provider renewal/proration.	No substantive dependency.	Provider renewal is not judgment renewal or interest authority.
X04	PASS-03–PASS-11 are saved/running and unreviewed for this purpose.	Necessary interest cross-references were freshly researched.	No earlier wage, bank, limitations, service, merits, licensing, or homestead conclusion is adopted as a premise; originals/provenance are not rewritten.

Captured table 17

Item · Exact count · Counting rule · 17 data rows

Item	Exact count	Counting rule
Source records	52	S001–S052; compilation sections and alternate hosts are not counted as independent corroboration.
Fresh body/partial-body source records	45	Includes scoped statutes, regulations, opinions, notices, reports, and data.
Fresh official index records	2	S013–S014.
Failed-only source records	3	S048–S050. Recovered-opinion failures remain inside S026/S029.
Discovery-only records	2	S051–S052; not operative authority.
Atomic claims	87	C001–C087.
Opinion records	16	J01–J16; included within the source count.
Currentness tracking rows	12	V01–V12; not additional sources or coverage credit.
Fictional postures	16	F01–F16.
Independently worked models	4	M01–M04.
Coverage rows	76	G01–G76.
Answered coverage rows	20	Bounded public-law or fictional demonstration completed.
Partial coverage rows	38	Exact missing source/fact identified.
Unresolved coverage rows	6	G36, G48, G49, G56, G62, G64.
Excluded/deferred coverage rows	12	G63 and G66–G76.
Remaining incomplete/deferred coverage rows	56	38 partial + 6 unresolved + 12 deferred; not additional duplicate coverage.
Provenance/contribution crosswalk rows	4	X01–X04, separate from coverage.

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1 pending correction

This dated research component contains identified issues. Read the correction panel before relying on its affected passages or tables. Other findings retain their own evidence limits.

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

Arizona credit-services and credit-repair classification, contracts, cancellation, security, and limited remedies →

S_AZ-P12-C001 Saved research record

The constitutional provisions read protect contractual obligations and prescribe enactment/initiative mechanisms; they do not themselves supply the numerical ordinary-loan rate used in this report.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: A complete constitutional amendment inventory was not established. No constitutional numerical ceiling is invented. Contract protection does not validate an otherwise unenforceable penalty.
Exact authority: S001, art. II § 25; art. IV pt. 1 § 1; S025, ¶¶ 40–41.
Type / confidence: T/J/G; high within read scope

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C002 Saved research record

Arizona statutes are not retroactive unless expressly declared; the applicable enactment and its transition language therefore matter.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: This is not a substitute for construing a particular transition clause. General effective-date tables must be read with each act’s own provisions.
Exact authority: S006, § 1-244; S001, art. IV pt. 1 § 1(3); S009.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C003 Saved research record

For an ordinary loan, indebtedness, or other obligation within § 44-1201(A)(2), interest is 10% annually unless a different rate is contracted for in writing; a lawful written agreed rate governs.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: “Any rate” in this general provision does not displace a genuinely applicable special statute. Agreement, scope, and lawful rate remain proof questions.
Exact authority: S002, § 44-1201(A)(2); S024.
Type / confidence: T/J; high, conditional application

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C004 Saved research record

Absence of an agreed interest rate is not always an entitlement to interest throughout the loan term.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Fleming upheld the finding that interest was not contemplated on the oral family loans; it separately addressed prejudgment interest after demand. Negotiable instruments have their own text in C047.
Exact authority: S026, ¶¶ 14–19.
Type / confidence: J; high, fact-specific

Recorded coordinator check boundaries

coordinator review note: Fleming no contemplatedterminterest/liquidated-demand distinction andaffirm/vacate selected. Historicalstatute/record,no defaultinterestfromorigination.56–57/66–70/83–89gaps,officialimageandcitatorheld; failedofficialrouteunretried. Only corresponding selected claim parts supported.

S_AZ-P12-C005 Saved research record

General rate deregulation did not erase independent consumer-loan restrictions.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: Aros concerned historical licensed loans and non-interest restrictions; it does not decide every modern charge or actor classification.
Exact authority: S024, material majority pp. 2–13.
Type / confidence: J; high, historical version

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C006 Saved research record

A non-Title-6-Chapter-5 closed-end loan with principal no greater than $5,000 falls within § 44-1205(A)’s special provisions.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Contract-rate interest may use the authorized actuarial or precomputed method. This threshold is not the separate Title 6 consumer-loan threshold.
Exact authority: S002, § 44-1205(A)(1).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C007 Saved research record

For that § 44-1205(A) loan, a delinquency charge may be imposed on an installment not fully paid within ten days, up to the lesser of 5% of the installment or $10.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Requires the correct transaction class and actual installment/due/payment facts. It is not the Title 6 seven-day rule.
Exact authority: S002, § 44-1205(A)(2).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C008 Saved research record

Certain non-card revolving accounts with agreed credit limits no greater than $10,000 fall under § 44-1205(B).

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Consumer revolving loans governed by Title 6 and check-loan accounts are excluded from the described loan route. Monthly-billing or actual-daily balances and the separate ten-day delinquency provision apply as stated.
Exact authority: S002, § 44-1205(B).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C009 Saved research record

Under the qualifying state credit-card route, specified contract-authorized charges may be collected as interest and included in account balances.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Section C lists periodic, transaction, minimum-interest, late, returned-payment, stop-payment, overlimit, document, account-administration, and electronic/interchange charges. Sections D and G restrict classification and election. Federal limits remain separate.
Exact authority: S002, § 44-1205(C), (D), (G).
Type / confidence: T; high, federal overlay unresolved where noted

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C010 Saved research record

For § 44-1205(A)–(C) loans, additional service/expense charges are restricted; a charge is not permitted merely because a third party actually received it.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Section E lists authorized actual lawful expenses and exceptions. Collection referral permits the stated costs, expenses, and reasonable outside-attorney fees. Receiving aggregate charges above the section’s authorization makes the loan usurious under its express text.
Exact authority: S002, § 44-1205(E).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C011 Saved research record

Full prepayment of a qualifying precomputed § 44-1205(A) loan requires the prescribed unearned-interest rebate; the Rule of 78s is prohibited.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Written day-count choices include specified 30/360 or daily conventions. No one convention is imposed on every Arizona loan.
Exact authority: S002, § 44-1205(A)(1)–(2), (H).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C012 Saved research record

Retail installment and retail charge classifications depend on the transaction definitions, not a lender’s label.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: Section 44-6001 defines cash price, finance charge, goods, holder, principal balance, retail installment transaction, retail seller, and services. Its goods definition excludes motor vehicles; “commercial” versus consumer treatment must be separately identified.
Exact authority: S002, § 44-6001.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C013 Saved research record

A qualifying retail installment contract may use the agreed finance-charge rate and authorized computation method.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Full prepayment requires the statutory unearned-charge rebate; the Rule of 78s is prohibited. This is credit-sale law, not proof that every sale is a cash loan.
Exact authority: S002, § 44-6002(A)–(B).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C014 Saved research record

The retail consumer delinquency provisions use $5 for an installment of $25 or less and $10 for a larger installment, under the stated ten-day condition.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: The commercial-transaction provision is different. Do not substitute its percentage charge for a consumer charge or combine mutually alternative methods.
Exact authority: S002, § 44-6002(B), (F), (G), (J).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C015 Saved research record

Retail charge-account finance charges depend on the authorized balance method and billing cycle; the text also contains a 50-cent minimum-finance-charge provision.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: The balance-method and account qualifications must be met. A credit-card account may invoke a different whole-statute election under § 44-1205(D).
Exact authority: S002, § 44-6002(D)–(F); § 44-1205(D).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C016 Saved research record

Dishonored-payment charges require actual dishonor and the correct statutory branch.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: Section 44-6852 states up to $25 plus actual institution charges, subject to its exception. Section 44-6002(H) uses a different retail formula. Their application to a particular overlapping transaction was not authoritatively reconciled; no stacking is assumed.
Exact authority: S002, §§ 44-6852, 44-6002(H); S007, limited cross-reference read.
Type / confidence: T/G; amounts read, overlap held

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C017 Saved research record

Title 6 consumer-lending classification uses individual personal/family/household purpose and defined principal/credit-limit thresholds.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Closed-end principal and revolving limit thresholds are generally $10,000 in the definitions. Regular-business and Arizona-resident activity predicates also matter; fees are treated as specified for the threshold.
Exact authority: S003, § 6-601(4)–(9), (16).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C018 Saved research record

Title 6 exemptions and activity limitations must be tested before its rate rules are applied.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: Section 6-602 contains institution-, activity-, amount-, and out-of-state-related qualifications. Section 6-603 prohibits evasion of its licensing predicate. No actual actor is classified here.
Exact authority: S003, §§ 6-602, 6-603(A)–(B).
Type / confidence: T/G; text high, actual status held

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C019 Saved research record

A qualifying licensee’s closed-end consumer loan is subject to the § 6-632(A) rate structure.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Up to $3,000: 36% consumer-loan rate. Above $3,000: 36% on the initial $3,000 and 24% above it, or the specified scheduled-maturity blended alternative. A simple weighted rate for one balance is not automatically the amortizing-loan blend.
Exact authority: S003, § 6-632(A)(1)–(2).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C020 Saved research record

A qualifying consumer revolving loan uses the § 6-632(B) periodic-rate structure.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Limits no greater than $3,000 use the stated 36% annual equivalent. For higher limits, the outstanding-balance tiers are 36% through $3,000 and 24% above, or the prescribed monthly blend.
Exact authority: S003, § 6-632(B).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C021 Saved research record

A qualifying variable consumer revolving rate must use an index outside the licensee’s control.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Unless readily verifiable by the consumer, the adjustment requires conspicuous notice at least one monthly cycle beforehand. Movement is limited to three percentage points in twelve consecutive months and seven above/below the initial rate.
Exact authority: S003, § 6-632(C).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C022 Saved research record

The qualifying Title 6 origination fee is no more than 5% of principal or agreed revolving limit, capped at $150.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: No new origination fee on the specified refinancing/renegotiation within one year of collecting a prior fee; no such fee with the specified residence-secured points charge.
Exact authority: S003, § 6-635(A)(4).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C023 Saved research record

The Title 6 delinquency charge is 5% of an installment not fully paid within seven days after its due date.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Correct loan classification, installment amount, due date, and actual credit date are necessary. It is not a universal Arizona late-fee formula.
Exact authority: S003, § 6-635(A)(1).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C024 Saved research record

Title 6 permits only its enumerated finance charges and additional amounts.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: Actual qualifying third-party/security expenses, authorized insurance and deferral fees, court costs, and reasonable non-salaried outside-attorney fees have separate predicates. Section C prohibits further direct or indirect amounts. Secured-enforcement expense cross-references remain deferred.
Exact authority: S003, § 6-635(A)–(C).
Type / confidence: T/G; high within read provisions

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C025 Saved research record

Title 6 insurance charges require the statutory product, voluntariness, disclosure, and insurer/agent predicates.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: Except the stated security-property coverage, insurance is optional. Written cancellation within thirty days after the loan is made triggers the stated full-premium refund. Other unearned-premium calculations incorporate provisions not fully read here.
Exact authority: S003, § 6-636(A)–(I); S015, R20-4-534.
Type / confidence: T/G; bounded high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C026 Saved research record

Title 6 separates unpaid principal, authorized financed fees, and finance charges; it prohibits compounding finance charges.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: The statute authorizes specified daily/monthly methods. Actuarial payments apply first to finance charges and then principal. A precomputed loan is not deemed compounding merely because it is precomputed.
Exact authority: S003, §§ 6-601(1), 6-633(A)–(D).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C027 Saved research record

Precomputed consumer loans have specific installment, prepayment, deferral, and acceleration-rebate rules.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: The statutory 30/360 convention and actuarial rebate must not be replaced with a generic payoff formula. Authorized deferral charges depend on deferred amount and time; acceleration requires the specified unearned-charge treatment.
Exact authority: S003, § 6-634; S015, R20-4-503, -508.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C028 Saved research record

Deferral administration cannot be used to manufacture an additional charge where the rule requires application of a sufficient payment to the delinquent installment and late charges.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, proof, and limits: The rules require a deferral statement and specified loan/insurance records. These are record and transaction duties, not proof any actual charge was earned.
Exact authority: S015, R20-4-518, -519, -524, -534.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C029 Saved research record

Section 6-632(F)’s protection for specified preexisting loans modified with no more than $100 in new cash traces to the 2014 amendment.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: The act and general effective-date table support July 24, 2014. The Legislative Council’s suggested date clarification is a recommendation, not an enacted textual amendment. Actual loan and modification dates remain necessary.
Exact authority: S010, § 2; S009; S011, printed p. 19/PDF index 22; S003, § 6-632(F).
Type / confidence: T/I; high date chain, conditional facts

Recorded coordinator check boundaries

coordinator review note: 2014ch96 rates/100newcashtransition/150origination/body andApril17approval/April18filing selected;151–157gap and everyincorporatedduty not claimedread, no wholefivepageactcheck. GeneralJuly24date independentlyread. Defects-report recommendation not freshly reopened; no pixels/new laterchain. Only corresponding selected claim parts supported. GeneralJuly24effectiveentryfresh, butLegCouncilrecommendationbodynotfresh.

S_AZ-P12-C030 Saved research record

A Title 6 “consumer loan rate,” federal disclosure APR, and total cash cost are not interchangeable measurements.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, proof, and limits: The state definition excludes specified points/fees from its consumer-loan-rate measure; federal APR depends on its own finance-charge and timing rules. Neither a disclosed APR nor a net-cash ratio alone establishes state usury.
Exact authority: S003, § 6-601(2), (3), (8), (11); S041, §§ 1026.4, 1026.22(a)(1).
Type / confidence: T/I; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C031 Saved research record

A lender cannot necessarily remove compensation from interest by calling it a service fee.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Grady distinguished reasonable specific services/expenses from general overhead or percentage charges; a claimed separate legal-services bonus required factual determination. Its numerical ceiling was historical.
Exact authority: S018, 94 Ariz. at 254–58.
Type / confidence: J; high, historical rate

Recorded coordinator check boundaries

coordinator review note: Grady selectedcontext/specificservice-versusoverhead/bonusfactquestion andaffirm-in-part/remand support boundedchargeanalysis.84–86gap retained; no completeopinion claim. Historical8% notcurrentceiling, republicationnotofficialimage/citator. Only corresponding selected claim parts supported.

S_AZ-P12-C032 Saved research record

Reasonableness and actual services matter to fee characterization; unused/prepaid service fees do not automatically prove usury.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Altherr placed the reasonableness burden on the recipient after prima facie excess was shown and addressed refund/credit of unused fees. Actual fee purpose, services, and full transaction matter.
Exact authority: S019, 104 Ariz. at 61–65.
Type / confidence: J; high, historical transaction

Recorded coordinator check boundaries

coordinator review note: Altherr selectedfee/unusedadvance/refund/recipientprima-facieburden/substance/new-evidence/reversalremand support conditionalhistoricalanalysis.75–94/107–108gaps and underlyingquotedcases notfreshreads. No universalfeepermission/current8%/citator. Only corresponding selected claim parts supported.

S_AZ-P12-C033 Saved research record

Substance controls whether a purported sale is actually a loan or forbearance.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: Britz applied intent, money, loan/forbearance, absolute repayment, and excessive-return elements. Unequivocal excessive terms supported an intent presumption; awareness of illegality was unnecessary. No general clear-and-convincing standard was established in this pass.
Exact authority: S020, 87 Ariz. at 390–94.
Type / confidence: J/G; high bounded holding

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C034 Saved research record

A borrower-controlled default contingency did not make the Small transaction usurious at inception on its facts.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: The creditor waived capitalized interest and sought actual advances plus the stated rate. This is not a safe harbor for every late fee, accelerated unearned charge, or penalty.
Exact authority: S021, 90 Ariz. at 195–202.
Type / confidence: J; high, narrow

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C035 Saved research record

Charging beyond the agreement may raise a usury issue, but Wieman did not decide that the loan was usurious.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: It reversed attorney sanctions because the defense was arguable after deregulation. Treating it as a merits judgment would overstate the holding.
Exact authority: S017, 166 Ariz. at 285–86.
Type / confidence: J; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C036 Saved research record

A liquidated-damages charge is tested against anticipated or actual loss and difficulty of proving loss; the challenger bears the penalty burden identified in Dobson.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: No universal percentage safe harbor. The inquiry is distinct from the interest-rate test.
Exact authority: S025, ¶¶ 9–17.
Type / confidence: J; high

Recorded coordinator check boundaries

coordinator review note: Dobson majorityselect:modernpenaltytest,challengerburden,no brightline5%,loanremainsvalid,possibleuncompensatedactualdamages,vacate/reverse/remand. Materialunreturnedgaps/wholemajority/currentcitatorheld. Returned dissent identifiedandnotused. No consumerceilingoruniversalfee outcome. Only corresponding selected claim parts supported.

S_AZ-P12-C037 Saved research record

Dobson invalidated the challenged balloon-payment late charge as an unenforceable penalty.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Existing default interest and collection-cost compensation mattered. The decision did not void the whole loan; provable uncompensated actual damages remained possible.
Exact authority: S025, ¶¶ 21–42.
Type / confidence: J; high, commercial facts

Recorded coordinator check boundaries

coordinator review note: Dobson majorityselect:modernpenaltytest,challengerburden,no brightline5%,loanremainsvalid,possibleuncompensatedactualdamages,vacate/reverse/remand. Materialunreturnedgaps/wholemajority/currentcitatorheld. Returned dissent identifiedandnotused. No consumerceilingoruniversalfee outcome. Only corresponding selected claim parts supported.

S_AZ-P12-C038 Saved research record

A reasonable attorney-fee award in a contested contract action is discretionary under § 12-341.01.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: Successful-party status, reasonableness, and statutory limits must be established; a requested fee is not automatically an account charge or judgment award.
Exact authority: S005, § 12-341.01(A)–(C).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C039 Saved research record

A person contracting for, reserving, or receiving excessive interest on a loan or forbearance under § 44-1202 forfeits all interest.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Requires an applicable legal maximum and the statutory violation. It is not a universal principal-forfeiture provision.
Exact authority: S002, § 44-1202.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C040 Saved research record

Payments of usurious interest or inducements, including qualifying advance deductions, are credited against principal under § 44-1203.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: The lender’s recovery is limited to remaining principal without interest under that provision. Actual receipt/deduction and usury classification must be proved.
Exact authority: S002, § 44-1203.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C041 Saved research record

Section 44-1204 permits the specified setoff/counterclaim and recovery of payments exceeding principal.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Its first paragraph permits an excess judgment with 10% annual interest; its second permits an action for the excess. This pass did not establish the independent-action limitation period or every interest-start issue. No automatic double recovery.
Exact authority: S002, § 44-1204, both paragraphs.
Type / confidence: T/G; high text, clock held

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C042 Saved research record

Title 6 has materially different remedies for prohibited consumer-loan charges.

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Subject to the accidental/bona-fide-error exception, § 6-613(A) distinguishes closed-end principal or revolving aggregate advances of $5,000 or less from larger amounts. The smaller category’s voidability/no-principal-or-charge consequences must not be generalized to the larger category.
Exact authority: S003, § 6-613(A).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported.

S_AZ-P12-C043 Saved research record

A loan made without a required Title 6 license has the separate voidness/no-collection-or-retention consequence stated in § 6-613(B).

Recorded check status: selected claim parts supported with remaining holds

Conditions, proof, and limits: Whether a license was required is an indispensable predicate. This report makes no actual licensing finding and does not reuse PASS-06.
Exact authority: S003, §§ 6-602, 6-603, 6-613(B).
Type / confidence: T/G; high text

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held. Only corresponding selected claim parts supported. License-required predicates602/603 notfreshlyreopened; no actuallicensefinding.

S_AZ-P12-C044 Saved research record

Transamerica recognized the historical borrower’s contract action under the consumer-loan scheme without requiring administrative exhaustion.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: It rejected dismissal, not found every alleged violation true. Together with Aros, it supports treating special statutory duties seriously, not an automatic modern damages judgment.
Exact authority: S023, 158 Ariz. at 116–18; S024.
Type / confidence: J; high, historical provisions

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C045 Saved research record

Article 3 holder rules first require a qualifying negotiable instrument.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: A generic account, credit-card statement, or portfolio sale is not automatically such an instrument. Fixed-money, payment, undertaking, and other § 47-3104 predicates matter.
Exact authority: S004, §§ 47-3102, 47-3104.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C046 Saved research record

Holder-in-due-course protection is conditional, not a generic assignee immunity.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: Value, good faith, notice, overdue/default, bulk-transfer, and preserved consumer-law conditions matter. Section 47-3305 distinguishes defenses, including illegality that nullifies the obligation under other law. Actual HDC status, consumer-holder rules, and specific usury effects remain held.
Exact authority: S004, §§ 47-3302, 47-3305(A)–(C).
Type / confidence: T/G; high predicates

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C047 Saved research record

For a qualifying instrument, interest must be provided by the instrument; the rate may be fixed, variable, or externally described.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: If the specified amount cannot be ascertained, § 47-3112 supplies its stated judgment-rate fallback at the relevant place/time. This is not the rule for every consumer account.
Exact authority: S004, § 47-3112.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C048 Saved research record

Burr upheld the selected Colorado rate on the substantial-relationship facts before it.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: Loan preparation, disbursement, repayment location, historical rates, and absence of evasion mattered. It does not establish that any choice clause defeats current Arizona consumer protection.
Exact authority: S022, 105 Ariz. at 550.
Type / confidence: J; high, limited choice holding

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C049 Saved research record

Qualifying federally insured or guaranteed loans can invoke the special exemption in § 44-1206.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, proof, and limits: Actual program, insurance/guarantee, transaction, and federal conditions were not established. The provision is a boundary, not permission for an ordinary unlabeled loan.
Exact authority: S002, § 44-1206.
Type / confidence: T/G; high text

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C050 Saved research record

A genuine national bank’s interest authority begins with 12 U.S.C. § 85.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Bank location, applicable state allowance, statutory alternative rate, and most-favored-lender conditions must be established. A consumer’s residence or a purchaser’s label does not establish them.
Exact authority: S030, § 85; S031, § 7.4001.
Type / confidence: T; high predicates

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported.

S_AZ-P12-C051 Saved research record

Marquette permitted the national bank to charge its home-state-authorized rate to out-of-state card customers on the facts before the Court.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: The bank’s relevant operations were in Nebraska; customer residence did not relocate it. Modern multi-location and true-originator questions are not decided by that fact pattern alone.
Exact authority: S045, 439 U.S. at 301–04, 308–19.
Type / confidence: J; high bounded holding

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C052 Saved research record

Federal “interest” for § 85 includes specified nonperiodic charges, including late fees.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Smiley upheld the OCC interpretation. Section 7.4001 distinguishes credit/default compensation from ordinarily excluded appraisal, insurance, finder, document, notary, and credit-report charges. These are federal classifications, not universal Arizona exclusions.
Exact authority: S046, 517 U.S. at 737–47; S031, § 7.4001(a).
Type / confidence: J/T; high, later-review caveat C082

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C053 Saved research record

Insured state-bank rate authority is separately governed by § 1831d and FDIC rules.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Insured status, state/location, rate authority, loan-making facts, relevant opt-out questions, and material conditions must be proved. Definitions incorporated from other statutes were not exhaustively read.
Exact authority: S030, § 1831d(a); S032, §§ 331.2–331.4.
Type / confidence: T/G; high text

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported. Only1831dstatute fromdatedreuse, notcurrentPart331body.

S_AZ-P12-C054 Saved research record

Federal savings-association rate authority follows its own statute and regulation.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Section 1463(g) and § 160.110 do not establish that a merely affiliated nonbank is the qualifying association.
Exact authority: S030, § 1463(g)(1); S031, § 160.110.
Type / confidence: T/G; high text

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported. Only1463gtextfresh, not160.110body.

S_AZ-P12-C055 Saved research record

The read OCC and FDIC rules preserve permissible interest through specified transfers.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Permission at origination is indispensable. The rules do not themselves determine the true lender, authenticate a charter, validate every fee, or resolve all subsequent litigation/opt-out questions.
Exact authority: S031, §§ 7.4001(e), 160.110(d); S032, § 331.4(e); S034–S035.
Type / confidence: T/G; high text, application held

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C056 Saved research record

Congress disapproved the separate 2020 OCC true-lender rule in 2021.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Public Law 117-24 identifies that rule as having no force or effect. It does not identify the separate permissible-interest-on-transfer rule as the disapproved instrument.
Exact authority: S036, 135 Stat. 296.
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Completeonepagelawdisapproves2020NationalBanksAndFederalSavingsAssociationsAsLendersrule,approvedJune30,2021. Doesnotidentifyseparatetransferinterestrules; no completecurrentlitigationchain. Only corresponding selected claim parts supported.

S_AZ-P12-C057 Saved research record

Section 86 supplies the national-bank usury consequences for knowingly excessive interest.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Forfeiture concerns interest; paid interest can support twice the interest paid, recoverable from the bank by the statutory claimant. The text uses two years from the usurious transaction. Actual payment and transaction timing are necessary.
Exact authority: S030, § 86.
Type / confidence: T; high; no actual recovery finding

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported.

S_AZ-P12-C058 Saved research record

Section 1831d(b) supplies its distinct insured-state-bank remedy where its preemption conditions apply.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Knowingly excessive interest, actual payment, statutory claimant/defendant, and the text’s two-years-after-payment condition must be established. Do not substitute § 86’s wording.
Exact authority: S030, § 1831d(b).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported.

S_AZ-P12-C059 Saved research record

Section 1463(g)(2) contains the savings-association remedy.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: It distinguishes interest forfeiture from twice-interest-paid recovery and specifies its payment-based two-year condition. It is not a remedy automatically available against any later collector.
Exact authority: S030, § 1463(g)(2).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported.

S_AZ-P12-C060 Saved research record

For ordinary qualifying federal-credit-union loans, the statute’s 15% framework permits a Board-established higher temporary ceiling.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The official February 2026 letter extends the 18% ceiling through September 10, 2027. Specialized PAL exceptions are not fully analyzed. State-chartered credit unions are not automatically FCUs.
Exact authority: S030, § 1757(5)(A)(vi)–(vii); S033, § 701.21(c)(7); S038.
Type / confidence: T/official notice; high bounded ceiling

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map. Only corresponding selected claim parts supported. Ceilingvianddatedofficialletterchecked;701.21currentbodyunreopened.

S_AZ-P12-C061 Saved research record

The 2026 NCUA rule places material federal-credit-union preemption provisions in § 701.5.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: The interim final rule’s effective date is June 30, 2026. Preserved state subjects and fee-safety/soundness conditions remain material; the rule is not a general exemption for any business calling itself a credit union.
Exact authority: S033, § 701.5(a)–(d); S037.
Type / confidence: T/G; high text, litigation history not certified

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C062 Recorded correction or qualification applies

The FCU statutory usury remedy differs from the bank double-interest provisions.

Recorded check status: material pinpoint correction required UNSENT

Conditions, units, and limits: Section 1757 provides forfeiture and recovery of the entire interest paid under its knowing-violation predicates, with a two-year-from-collection condition. It does not say twice the interest paid.
Exact authority: S030, § 1757(5)(A)(viii)–(ix).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: The entire-interest forfeiture, entire paid-interest recovery and two-year-from-usurious-collection text is in (5)(A)(vii). Subparagraph(viii) concerns penalty-free prepayment and (ix) amortization rules. C062 substantively describes the remedy correctly but points to the wrong subparagraphs.

S_AZ-P12-C063 Saved research record

Regulation Z’s finance-charge classification is a disclosure classification, not an Arizona fee authorization.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Its exclusions include certain application fees and unanticipated late/default charges; a discount not passed to the consumer is treated differently from a consumer-imposed charge. Coverage and exact facts remain necessary.
Exact authority: S041, § 1026.4(a), (b)(1)–(2), (c)(1)–(2), official comment 4(a)-2.i.
Type / confidence: T; high within read portions

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C064 Saved research record

A disclosure APR measures credit cost through amount and timing; it is not automatically the legal usury numerator or ceiling.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: The applicable state statute may include/exclude charges differently. The general TILA state-law provision at 15 U.S.C. § 1610 was not recovered.
Exact authority: S041, § 1026.22(a)(1), comments 1–4; S003, § 6-601; S049.
Type / confidence: T/I/G; high distinction

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C065 Saved research record

Covered consumer credit-card rate/fee increases face § 1026.55 restrictions and qualified exceptions.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Public uncontrolled-index changes, promotional periods, delinquency, and workout arrangements have different conditions. The read delinquency exception uses sixty days and six subsequent timely minimum payments. Necessary § 1026.9 notice bodies were not fully read; no actual increase is cleared.
Exact authority: S042, § 1026.55(a), (b)(1)–(5), (c)–(e).
Type / confidence: T/G; high read text

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C066 Saved research record

No current numerical federal credit-card late-fee cap is selected in this pass.

Recorded check status: explicit original card fee currentness hold preserved

Conditions, units, and limits: CFPB and eCFR displays conflict, and S043 reports an April 2025 vacatur. The actual order, precise affected text, surviving rule, and current adjustment notice remain necessary. The report is not the judgment itself.
Exact authority: S041–S043; S043 § 2.2.2, printed p. 26/PDF index 25.
Type / confidence: G; explicit hold

Recorded coordinator check boundaries

coordinator review note: No federalcardlate-fee dollar adopted. Originalincompatibleofficialdisplaysandagencyvacaturreportnotfulljudgment; nojudicialcaseinvestigationorunverifiedcurrentnumberselected.

S_AZ-P12-C067 Saved research record

Most-favored-lender analysis cannot cherry-pick a rate while ignoring legally material conditions.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Arizona expressly treats specified revolving-account terms and conditions as material; federal rules also address the conditions associated with the relevant lender class.
Exact authority: S002, § 44-1205(F); S031, § 7.4001(b).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C068 Saved research record

A liquidated claim can support prejudgment interest even when liability is disputed.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The amount must be calculable from data without reliance on opinion or discretion under the read holdings. A statement or demand does not itself prove the amount legally due.
Exact authority: S026, ¶¶ 17–19; S027, ¶ 11.
Type / confidence: J; high

Recorded coordinator check boundaries

coordinator review note: Fleming no contemplatedterminterest/liquidated-demand distinction andaffirm/vacate selected. Historicalstatute/record,no defaultinterestfromorigination.56–57/66–70/83–89gaps,officialimageandcitatorheld; failedofficialrouteunretried. Only corresponding selected claim parts supported.

S_AZ-P12-C069 Saved research record

The prejudgment-interest starting event requires the governing obligation and demand/due facts.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Fleming used demand for the loans before it. It does not make loan origination or last payment the universal accrual date. Settlement terms may make payment due on a different event.
Exact authority: S026, ¶¶ 17–19; S028, 170 Ariz. at 78–80.
Type / confidence: J/G; bounded high

Recorded coordinator check boundaries

coordinator review note: Fleming no contemplatedterminterest/liquidated-demand distinction andaffirm/vacate selected. Historicalstatute/record,no defaultinterestfromorigination.56–57/66–70/83–89gaps,officialimageandcitatorheld; failedofficialrouteunretried. Only corresponding selected claim parts supported.

S_AZ-P12-C070 Saved research record

A judgment based on a written agreement bearing a lawful agreed rate uses that rate and must specify it.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The ordinary statutory judgment-rate cap is not automatically imposed on that lawful contract-rate branch. Actual agreement and judgment terms remain essential.
Exact authority: S002, § 44-1201(A)(2), (B).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C071 Saved research record

The otherwise applicable § 44-1201(B) rate is the lesser of 10% annually or one percentage point above the specified H.15 prime rate.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The freshly read October 26, 2026 release reports 7.00%; the conditional resulting rate for the illustrated October 27 judgment is 8.00%.
Exact authority: S002, § 44-1201(B); S044.
Type / confidence: T/X; high conditional calculation

Recorded coordinator check boundaries

coordinator review note: FreshH15isOctober28,2026releasewith7.00primeforOctober21/22/23/26/27. ThiscorroboratesthevaluedisplayedforOct23but DOESNOT freshly authenticate theOctober26publication/versiononwhichtheOctober27modeldepends. Preserve originalresearcherdate; no guessedarchiveURLorcurrentrate substituted. Historicalexactpublication/businessday/applicationheld. Only corresponding selected claim parts supported.

S_AZ-P12-C072 Saved research record

A change in the statutory prime-based judgment rate takes effect on the first business day after Federal Reserve publication; the judgment’s specified rate does not subsequently change.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The 2024 amendment replaced the previous entry-date wording. Actual publication, business-day, and judgment-entry facts must be known.
Exact authority: S008, § 1; S009; S002, § 44-1201(B).
Type / confidence: T; high

Recorded coordinator check boundaries

coordinator review note: Complete2024ch3 act returned/read; adds publication/first-business-day rule while judgment fixed, removes old entry-date phrase. Approval/filingMarch18,2024. Parsed deleted/added words interleave; compared cleancurrent1201, no pixels. No all-later-law certificate. Only corresponding selected claim parts supported.

S_AZ-P12-C073 Saved research record

Section 44-1201 separately restricts prejudgment interest on unliquidated/future/punitive/exemplary damages and interest on future/punitive/exemplary damages.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Medical debt and condemnation have separate provisions. They are boundaries here, not ordinary-debt rate substitutes.
Exact authority: S002, § 44-1201(A)(1), (C)–(G).
Type / confidence: T/G; high ordinary boundary

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held. Only corresponding selected claim parts supported.

S_AZ-P12-C074 Saved research record

A rate provision alone does not authorize periodic capitalization of interest.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Metzler states that § 44-1201 does not provide for compound interest. Whether particular awarded pre-interest, costs, or fees are part of a new judgment’s interest-bearing base was not completely resolved here. M04 avoids that uncertainty.
Exact authority: S027, ¶ 22; S003, § 6-633(C).
Type / confidence: J/T/G; bounded high

Recorded coordinator check boundaries

coordinator review note: Metzler Rule68-sanctionclassification/no compoundstatutoryinterest/vacatedoldjudgment/new2012judgment/acceptedunconditionaltender andvacate-reverse-remand selected.63–161gap/no allmajorityclaim; no unacceptedtenderholding/currentRule68oractualorder. Only corresponding selected claim parts supported.

S_AZ-P12-C075 Saved research record

For the involuntary judgment payment in Paloma, absent contrary agreement or statute, payment applied first to accrued interest and then principal.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: The court distinguished voluntary-payment allocation. Actual payment, applicable order, and contrary statutory/agreement provisions remain necessary.
Exact authority: S029, ¶¶ 24–26 & nn. 7–8.
Type / confidence: J; high bounded holding

Recorded coordinator check boundaries

coordinator review note: Paloma selected2011transition/involuntarypayment/interest-first/no contraryagreement andaffirmancewithnotes7/8. Exact281gap and earliercasebodyunread, no fullmajority/officialimage/citator. 2011actquotednotfreshbody. Waivedagreementargumentnotnewactualagreementfinding. Only corresponding selected claim parts supported.

S_AZ-P12-C076 Saved research record

Metzler treated the accepted unconditional payment covering the judgment and interest as extinguishing the obligation on its facts.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: It expressly did not decide the general effect of an unaccepted tender. An offer, escrow hold, or withheld amount is not treated here as a creditor payment.
Exact authority: S027, ¶ 26.
Type / confidence: J/I; high limited holding

Recorded coordinator check boundaries

coordinator review note: Metzler Rule68-sanctionclassification/no compoundstatutoryinterest/vacatedoldjudgment/new2012judgment/acceptedunconditionaltender andvacate-reverse-remand selected.63–161gap/no allmajorityclaim; no unacceptedtenderholding/currentRule68oractualorder. Only corresponding selected claim parts supported.

S_AZ-P12-C077 Saved research record

McKeon enforced a settlement’s payment contingency and declined to add interest the agreement did not provide before payment became due.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: It is not a holding that an appeal or stay universally stops interest. General stay, appeal, deposit, and supersedeas effects remain held.
Exact authority: S028, 170 Ariz. at 78–80.
Type / confidence: J/G; high bounded holding

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C078 Saved research record

The 2011 judgment-rate amendment cannot simply be applied to every existing judgment.

Recorded check status: selected claim parts supported with remaining holds

Conditions, units, and limits: Paloma preserved the earlier judgment’s rate under the transition clause; Metzler addressed a new judgment after the earlier one was vacated. The original 2011 act failed on both official routes; the transition is reported here through the read opinions.
Exact authority: S029, ¶¶ 19–22; S027, ¶ 25; S048.
Type / confidence: J/G; high holdings, enactment body held

Recorded coordinator check boundaries

coordinator review note: Paloma selected2011transition/involuntarypayment/interest-first/no contraryagreement andaffirmancewithnotes7/8. Exact281gap and earliercasebodyunread, no fullmajority/officialimage/citator. 2011actquotednotfreshbody. Waivedagreementargumentnotnewactualagreementfinding. Only corresponding selected claim parts supported.

S_AZ-P12-C079 Saved research record

The 2025 and 2026 official affected-statute tables were screened for the relevant Title 6 and Title 44 provisions.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: They are amendment indexes, not complete operative bodies or a no-later-law certificate. The discovered SB1689 draft was not used as law. The original 1980 act remains unread.
Exact authority: S013–S014; S051; S017.
Type / confidence: Index/G; bounded screen

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C080 Saved research record

The read Proposition 209 text contains medical-interest changes and prospective/contract-protection language.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: The official pamphlet is pre-election enacted-text evidence; the proclamation/effective-date chain was not freshly completed. No medical or old-contract rate is selected from it here.
Exact authority: S012, §§ 7–10, printed pp. 106–107/PDF indexes 105–106.
Type / confidence: T/G; text read, commencement held

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C081 Saved research record

The relevant Article 5 administrative rules were read in the posted Code and against the 2023 final notice.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: The final notice gives October 7, 2023 effectiveness; September 1 publication is not that effective date. Current printed compilation is Supplement 25-4.
Exact authority: S015–S016.
Type / confidence: T; high read chain

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C082 Saved research record

Loper Bright changed the judicial deference method but did not automatically overrule every earlier statutory holding relying on Chevron.

Recorded check status: specific operative body complete chain or facts unreopened held

Conditions, units, and limits: Its majority preserves ordinary statutory stare decisis for prior holdings. This is a limited later-treatment qualification for Smiley, not a complete current citator result.
Exact authority: S047, slip pp. 34–35/PDF indexes 41–42.
Type / confidence: J/G; high narrow holding

Recorded coordinator check boundaries

coordinator review note: Entireoriginalatomicrecordreconciled; no all-claim authentication. Retain everyoriginalexception/crossreference/currentness/actualfacthold.

S_AZ-P12-C083 Saved research record

M01’s $118.36 contract-interest and $98.63 conditional 10% figures follow the expressly stipulated principal, rate, and actual/365 convention.

Recorded check status: supplied arithmetic and conditional branches checked

Conditions, units, and limits: Fictional arithmetic; no proof of any actual agreement or interest entitlement.
Exact authority: S002, § 44-1201(A)(2); S026; M01 inputs.
Type / confidence: X; arithmetic verified

Recorded coordinator check boundaries

coordinator review note: Fouroriginalmodelsrecomputed; actuallegalcategory/rate/charge/payment/judgment/credit/daycount/order remainsheld. M04historicalpublicationnotfreshlyrecovered.

S_AZ-P12-C084 Saved research record

M02’s $600 excess-payment result follows only after the assumed unlawful-charge classification and actual payment.

Recorded check status: supplied arithmetic and conditional branches checked

Conditions, units, and limits: A net-cash ratio is not itself legal APR or usury proof. No unpaid proposal is treated as paid interest.
Exact authority: S002, §§ 44-1203–1205; S018–S019; M02 inputs.
Type / confidence: X; legal result conditional

Recorded coordinator check boundaries

coordinator review note: Fouroriginalmodelsrecomputed; actuallegalcategory/rate/charge/payment/judgment/credit/daycount/order remainsheld. M04historicalpublicationnotfreshlyrecovered.

S_AZ-P12-C085 Saved research record

M03’s $108.49 finance charge, $150 origination fee, and $3,508.49 remaining principal follow the stipulated applicable regime and credits.

Recorded check status: supplied arithmetic and conditional branches checked

Conditions, units, and limits: Aggregate interest is rounded once; rate classification, fee history, and payment facts are assumed.
Exact authority: S003, §§ 6-601(1), 6-632(B), 6-633, 6-635(A)(4); M03.
Type / confidence: X; arithmetic verified

Recorded coordinator check boundaries

coordinator review note: Fouroriginalmodelsrecomputed; actuallegalcategory/rate/charge/payment/judgment/credit/daycount/order remainsheld. M04historicalpublicationnotfreshlyrecovered.

S_AZ-P12-C086 Saved research record

M04’s $9,120.95 statutory-rate branch and $9,181.73 lawful-contract-rate branch are conditional reconciled balances.

Recorded check status: supplied arithmetic and conditional branches checked

Conditions, units, and limits: Order, entitlement, day count, interest base, and actual credits are stipulated; the no-remittance branch differs.
Exact authority: S002, § 44-1201; S029, ¶¶ 24–26; S044; M04.
Type / confidence: X; arithmetic verified

Recorded coordinator check boundaries

coordinator review note: Fouroriginalmodelsrecomputed; actuallegalcategory/rate/charge/payment/judgment/credit/daycount/order remainsheld. M04historicalpublicationnotfreshlyrecovered.

S_AZ-P12-C087 Saved research record

No actual balance, rate entitlement, charter, exemption, payment, contract, or judgment is established by this research.

Recorded check status: actual record hold preserved

Conditions, units, and limits: All such facts remain unavailable without records outside this public-law-only task. Fictional documents are not templates or evidence about an actual actor.
Exact authority: Scope restriction; all conditional claims above.
Type / confidence: G; intentional factual hold

Recorded coordinator check boundaries

coordinator review note: No actualcontract/actor/charter/ledger/payment/order examined. No permission or collectibleamount.

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_AZ-P12-S001 Saved research record

Arizona Legislature, Constitution: https://www.azleg.gov/const/2/25.htm https://www.azleg.gov/const/4/1.p1.htm Index: https://www.azleg.gov/constitution/

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: B/P: art. II § 25; art. IV pt. 1 § 1(1)–(8), (13)–(14). Official displayed text. Index edition disclaimer limits a whole-constitution currentness claim; no exhaustive constitutional-rate inventory.
Direct source URLs: https://www.azleg.gov/const/2/25.htm
https://www.azleg.gov/const/4/1.p1.htm
https://www.azleg.gov/constitution/
https://www.azleg.gov/const/2/25.htm?utm_source=chatgpt.com
https://www.azleg.gov/const/4/1.p1.htm?utm_source=chatgpt.com
https://www.azleg.gov/constitution/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S002 Saved research record

Arizona Legislature, Title 44: https://www.azleg.gov/ars/44/01201.htm https://www.azleg.gov/ars/44/01202.htm https://www.azleg.gov/ars/44/01203.htm https://www.azleg.gov/ars/44/01204.htm https://www.azleg.gov/ars/44/01205.htm https://www.azleg.gov/ars/44/01206.htm https://www.azleg.gov/ars/44/06001.htm https://www.azleg.gov/ars/44/06002.htm https://www.azleg.gov/ars/44/06852.htm https://www.azleg.gov/ars/44/07802.htm

Recorded check status: selected official Title44 bodies

Exact material read; version, effect, and limits: B: listed section bodies read. Current displayed official compilation, checked against the material acts/indexes listed below. Medical-provider definitions, retirement-plan, escrow, and every other incorporated regime not completely read. § 44-7802 read only as a contract-evidence boundary; no actual card assent finding.
Direct source URLs: https://www.azleg.gov/ars/44/01201.htm
https://www.azleg.gov/ars/44/01202.htm
https://www.azleg.gov/ars/44/01203.htm
https://www.azleg.gov/ars/44/01204.htm
https://www.azleg.gov/ars/44/01205.htm
https://www.azleg.gov/ars/44/01206.htm
https://www.azleg.gov/ars/44/06001.htm
https://www.azleg.gov/ars/44/06002.htm
https://www.azleg.gov/ars/44/06852.htm
https://www.azleg.gov/ars/44/07802.htm
https://www.azleg.gov/ars/44/01201.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/01202.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/01203.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/01204.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/01205.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/01206.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/06001.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/06002.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/06852.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/44/07802.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Complete operative 44-1201–1205 and6002 bodies returned/read: general written rate, distinct medical/condemnation, fixed judgment formula, forfeiture/principalcredits/excess, small-loan/revolving/card categories, additional-charge restrictions, consumer/commercial retail and allocation. Other grouped6001/1206/6852/7802 and incorporated bodies not freshly reopened; statutory categories, actor/contract/actual payment/currentness held.

S_AZ-P12-S003 Saved research record

Arizona Legislature, Title 6: https://www.azleg.gov/ars/6/00601.htm https://www.azleg.gov/ars/6/00602.htm https://www.azleg.gov/ars/6/00603.htm https://www.azleg.gov/ars/6/00613.htm https://www.azleg.gov/ars/6/00631.htm https://www.azleg.gov/ars/6/00632.htm https://www.azleg.gov/ars/6/00633.htm https://www.azleg.gov/ars/6/00634.htm https://www.azleg.gov/ars/6/00635.htm https://www.azleg.gov/ars/6/00636.htm

Recorded check status: selected official Title6 bodies

Exact material read; version, effect, and limits: B/P: definitions, exemptions, remedies, rate/charge/computation/insurance bodies read; § 6-603(A)–(B) and § 6-631(A)–(B) read for limited predicates. Current displayed compilation; 2014 material rate/fee act read. Secured cross-references, full licensing, and Title 20 insurance calculations deferred.
Direct source URLs: https://www.azleg.gov/ars/6/00601.htm
https://www.azleg.gov/ars/6/00602.htm
https://www.azleg.gov/ars/6/00603.htm
https://www.azleg.gov/ars/6/00613.htm
https://www.azleg.gov/ars/6/00631.htm
https://www.azleg.gov/ars/6/00632.htm
https://www.azleg.gov/ars/6/00633.htm
https://www.azleg.gov/ars/6/00634.htm
https://www.azleg.gov/ars/6/00635.htm
https://www.azleg.gov/ars/6/00636.htm
https://www.azleg.gov/ars/6/00601.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00602.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00603.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00613.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00631.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00632.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00633.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00634.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00635.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/6/00636.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Complete601/632/633/635/613 bodies read. Rate tiers,365revolvingdailybasis, no compounding/limited priorchargeexception, separately permitted fees, prior-yearrefinance/renegotiation and remedy tiers/error/license predicates retained. 602/603/631/634/636 and incorporated cross-references not freshly reopened; actor/license/insurance/actual application held.

S_AZ-P12-S004 Saved research record

Arizona Legislature, Title 47: https://www.azleg.gov/ars/47/03102.htm https://www.azleg.gov/ars/47/03104.htm https://www.azleg.gov/ars/47/03112.htm https://www.azleg.gov/ars/47/03302.htm https://www.azleg.gov/ars/47/03305.htm

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: B/P: §§ 47-3102, -3104, -3112, -3302; § 47-3305(A)–(C). Subsection D and the complete consumer-holder/Article 3 regime not read. No actual negotiability or HDC finding.
Direct source URLs: https://www.azleg.gov/ars/47/03102.htm
https://www.azleg.gov/ars/47/03104.htm
https://www.azleg.gov/ars/47/03112.htm
https://www.azleg.gov/ars/47/03302.htm
https://www.azleg.gov/ars/47/03305.htm
https://www.azleg.gov/ars/47/03102.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/47/03104.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/47/03112.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/47/03302.htm?utm_source=chatgpt.com
https://www.azleg.gov/ars/47/03305.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S005 Saved research record

Arizona Legislature, attorney fees: https://www.azleg.gov/ars/12/00341-01.htm

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: B: § 12-341.01, complete body. Discretionary contested-contract fee provision; no actual award or complete fee litigation analysis.
Direct source URLs: https://www.azleg.gov/ars/12/00341-01.htm
https://www.azleg.gov/ars/12/00341-01.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S006 Saved research record

Arizona Legislature, retroactivity: https://www.azleg.gov/ars/1/00244.htm

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: B: § 1-244, complete body. General statutory rule; specific transition construction remains necessary.
Direct source URLs: https://www.azleg.gov/ars/1/00244.htm
https://www.azleg.gov/ars/1/00244.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S007 Saved research record

Arizona Legislature, cross-referenced fee provision: https://www.azleg.gov/ars/32/00507.htm

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: P: subsection A’s fee entries, including dishonored-payment entry. Read to identify the § 44-6852 exception; not used as an ordinary loan-fee authorization.
Direct source URLs: https://www.azleg.gov/ars/32/00507.htm
https://www.azleg.gov/ars/32/00507.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S008 Saved research record

Arizona Legislature, Laws 2024, ch. 3: https://www.azleg.gov/legtext/56leg/2r/laws/0003.htm

Recorded check status: official 2024 amendment parsed

Exact material read; version, effect, and limits: B: complete § 1 and approval/filed notation, March 18, 2024. No separate retroactive/special-effective clause in the read act. General effective date September 14, 2024 supported by S009.
Direct source URLs: https://www.azleg.gov/legtext/56leg/2r/laws/0003.htm
https://www.azleg.gov/legtext/56leg/2r/laws/0003.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Complete2024ch3 act returned/read; adds publication/first-business-day rule while judgment fixed, removes old entry-date phrase. Approval/filingMarch18,2024. Parsed deleted/added words interleave; compared cleancurrent1201, no pixels. No all-later-law certificate.

S_AZ-P12-S009 Saved research record

Arizona Legislature, General Effective Dates: https://www.azleg.gov/general-effective-dates/

Recorded check status: selected official effective date entries

Exact material read; version, effect, and limits: B: relevant session entries, including July 20, 2011; July 24, 2014; September 14, 2024; September 26, 2025; September 12, 2026. Official operational table, read with each act rather than replacing its own clauses.
Direct source URLs: https://www.azleg.gov/general-effective-dates/
https://www.azleg.gov/general-effective-dates/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Table confirms2014July24/2024Sep14/2025Sep26/2026Sep12. The2011regular-sessionentry beyond133 not freshly returned/read; Paloma/Metzler quotations support that limited historical date, not a newly reopened2011act. Table subject to act-specific clauses.

S_AZ-P12-S010 Saved research record

Arizona Legislature, Laws 2014, ch. 96: https://www.azleg.gov/legtext/51leg/2r/laws/0096.pdf

Recorded check status: selected official 2014 amendment parsed

Exact material read; version, effect, and limits: B: complete five-PDF-page act; § 2 printed pp. 1–3/PDF indexes 1–3; § 3 printed pp. 3–4/PDF indexes 3–4. Approved April 17/filed April 18, 2014; general effective date July 24, 2014. Rate tiers, § 6-632(F), and $150 origination change.
Direct source URLs: https://www.azleg.gov/legtext/51leg/2r/laws/0096.pdf
https://www.azleg.gov/legtext/51leg/2r/laws/0096.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: 2014ch96 rates/100newcashtransition/150origination/body andApril17approval/April18filing selected;151–157gap and everyincorporatedduty not claimedread, no wholefivepageactcheck. GeneralJuly24date independentlyread. Defects-report recommendation not freshly reopened; no pixels/new laterchain.

S_AZ-P12-S011 Saved research record

Arizona Legislative Council, 2014 Report on Defects: https://www.azleg.gov/alisPDFs/council/2014_Annual_Report_on_Defects.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: P: printed p. 19/PDF index 22, proposed clarification of § 6-632(F) to July 24, 2014. Recommendation, not enacted amendment.
Direct source URLs: https://www.azleg.gov/alisPDFs/council/2014_Annual_Report_on_Defects.pdf
https://www.azleg.gov/alisPDFs/council/2014_Annual_Report_on_Defects.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S012 Saved research record

Arizona Secretary of State, 2022 publicity pamphlet, Proposition 209 text: https://apps.azsos.gov/election/BallotMeasures/2022/azsos_2022_publicity_pamphlet_standard_english_web_version.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: P: §§ 7–10, printed pp. 106–107/PDF indexes 105–106. Official pre-election text; prospective/contract clauses read. Governor’s proclamation and complete commencement chain not freshly recovered.
Direct source URLs: https://apps.azsos.gov/election/BallotMeasures/2022/azsos_2022_publicity_pamphlet_standard_english_web_version.pdf
https://apps.azsos.gov/election/BallotMeasures/2022/azsos_2022_publicity_pamphlet_standard_english_web_version.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S013 Saved research record

Arizona Legislative Council, 2025 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: IX: dated July 18, 2025, chapters 1–265; Title 6 printed pp. 1–2/PDF indexes 0–1 and Title 44 printed p. 17/PDF index 16. Amendment-index screen only.
Direct source URLs: https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf
https://www.azleg.gov/alisPDFs/council/TOSA_57th_1st_Regular.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S014 Saved research record

Arizona Legislative Council, 2026 Table of Sections Affected: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: IX: dated August 19, 2026, chapters 1–264; Title 6 printed p. 2/PDF index 1; Title 44 printed pp. 19–20/PDF indexes 18–19. No complete later-law certificate.
Direct source URLs: https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf
https://www.azleg.gov/alisPDFs/council/TOSA_57th_2nd_Regular.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S015 Saved research record

Arizona Secretary of State, 20 A.A.C. 4: https://apps.azsos.gov/public_services/Title_20/20-04.pdf

Recorded check status: known partial Code access failure preserved no retry

Exact material read; version, effect, and limits: B/P: Article 5’s operative R20-4-503, -508, -518, -519, -524, -534 and repealed/reserved entries; printed pp. 18–20/PDF indexes 19–21. Supplement 25-4, December 31, 2025. No Article 6 provider-fee rerun. Text extraction read; no successful visual-inspection claim.
Direct source URLs: https://apps.azsos.gov/public_services/Title_20/20-04.pdf
https://apps.azsos.gov/public_services/Title_20/20-04.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: PostedSupplement25-4/Article5text is historicalresearcherclaim. Earlierprogramfailed1040request followslimitedsuccessfulreads; entireliteralCodeURL notopenedhere orvariant/workaroundattempted. No currentArticle5body acceptance.

S_AZ-P12-S016 Saved research record

Arizona Secretary of State/DIFI, final rulemaking R23-157: https://apps.azsos.gov/public_services/register/2023/35/contents.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Exact material read; version, effect, and limits: B/P: 29 A.A.R. 1942–1945; item 3 printed p. 1942/PDF index 27; operative amendments printed pp. 1944–1945/PDF indexes 29–30. Published September 1, effective October 7, 2023.
Direct source URLs: https://apps.azsos.gov/public_services/register/2023/35/contents.pdf
https://apps.azsos.gov/public_services/register/2023/35/contents.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S017 Saved research record

Wieman: https://law.justia.com/cases/arizona/court-of-appeals/1990/166-ariz-281.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: material opinion including pp. 285–286. Justia, not official image. Date/posture in J01; no full subsequent-history review.
Direct source URLs: https://law.justia.com/cases/arizona/court-of-appeals/1990/166-ariz-281.html
https://law.justia.com/cases/arizona/court-of-appeals/1990/166-ariz-281.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S018 Saved research record

Grady: https://law.justia.com/cases/arizona/supreme-court/1963/7053-0.html

Recorded check status: selected historical primary opinion reproduction

Read scope and source limitations: B, republication: material majority pp. 254–258 and disposition. Historical rate law.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1963/7053-0.html
https://law.justia.com/cases/arizona/supreme-court/1963/7053-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Grady selectedcontext/specificservice-versusoverhead/bonusfactquestion andaffirm-in-part/remand support boundedchargeanalysis.84–86gap retained; no completeopinion claim. Historical8% notcurrentceiling, republicationnotofficialimage/citator.

S_AZ-P12-S019 Saved research record

Altherr: https://law.justia.com/cases/arizona/supreme-court/1968/9299-pr-0.html

Recorded check status: selected historical primary opinion reproduction

Read scope and source limitations: B, republication: material majority pp. 61–65 and disposition. Historical ceiling and service facts.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1968/9299-pr-0.html
https://law.justia.com/cases/arizona/supreme-court/1968/9299-pr-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Altherr selectedfee/unusedadvance/refund/recipientprima-facieburden/substance/new-evidence/reversalremand support conditionalhistoricalanalysis.75–94/107–108gaps and underlyingquotedcases notfreshreads. No universalfeepermission/current8%/citator.

S_AZ-P12-S020 Saved research record

Britz: https://law.justia.com/cases/arizona/supreme-court/1960/6621-0.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: material majority pp. 390–394 and disposition. Historical cap; substance/intent holding only as qualified.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1960/6621-0.html
https://law.justia.com/cases/arizona/supreme-court/1960/6621-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S021 Saved research record

Small: https://law.justia.com/cases/arizona/supreme-court/1961/6634-0.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: material body pp. 195–202, including creditor’s waiver and disposition. No modern late-fee safe harbor.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1961/6634-0.html
https://law.justia.com/cases/arizona/supreme-court/1961/6634-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S022 Saved research record

Burr: https://law.justia.com/cases/arizona/supreme-court/1970/9828-0.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: opinion body and disposition, especially p. 550. Historical out-of-state commercial loan.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1970/9828-0.html
https://law.justia.com/cases/arizona/supreme-court/1970/9828-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S023 Saved research record

Transamerica: https://law.justia.com/cases/arizona/supreme-court/1988/cv-87-0343-pr-2.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: pp. 116–118 and disposition. Dismissal posture; former statute.
Direct source URLs: https://law.justia.com/cases/arizona/supreme-court/1988/cv-87-0343-pr-2.html
https://law.justia.com/cases/arizona/supreme-court/1988/cv-87-0343-pr-2.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S024 Saved research record

Aros, official PDF: https://www.azcourts.gov/Portals/0/23/pdf1999/cv970502.pdf Date metadata cross-check: https://law.justia.com/cases/arizona/supreme-court/1999/cv970502-1.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B: official material majority printed pp. 2–13/PDF indexes 1–12. Republication used for metadata, not a second opinion or independent corroboration.
Direct source URLs: https://www.azcourts.gov/Portals/0/23/pdf1999/cv970502.pdf
https://law.justia.com/cases/arizona/supreme-court/1999/cv970502-1.html
https://www.azcourts.gov/Portals/0/23/pdf1999/cv970502.pdf?utm_source=chatgpt.com
https://law.justia.com/cases/arizona/supreme-court/1999/cv970502-1.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S025 Saved research record

Dobson Bay, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2017/CV160029PR.pdf

Recorded check status: selected official published majority

Read scope and source limitations: B: majority ¶¶ 1–42, printed pp. 2–15/PDF indexes 1–14. Dissent not relied on.
Direct source URLs: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2017/CV160029PR.pdf
https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2017/CV160029PR.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Dobson majorityselect:modernpenaltytest,challengerburden,no brightline5%,loanremainsvalid,possibleuncompensatedactualdamages,vacate/reverse/remand. Materialunreturnedgaps/wholemajority/currentcitatorheld. Returned dissent identifiedandnotused. No consumerceilingoruniversalfee outcome.

S_AZ-P12-S026 Saved research record

Fleming, recovered published body: https://law.justia.com/cases/arizona/court-of-appeals-division-one-published/2019/1-ca-cv-17-0647-0.html Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2019/1%20CA-CV%2017-0647.pdf

Recorded check status: selected published primary opinion reproduction

Read scope and source limitations: B + F: material ¶¶ 1–30 at Justia. Official retrieval produced no usable body; HTTP status not preserved in the read record. No official image/citator certification.
Direct source URLs: https://law.justia.com/cases/arizona/court-of-appeals-division-one-published/2019/1-ca-cv-17-0647-0.html
https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2019/1%20CA-CV%2017-0647.pdf
https://law.justia.com/cases/arizona/court-of-appeals-division-one-published/2019/1-ca-cv-17-0647-0.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Fleming no contemplatedterminterest/liquidated-demand distinction andaffirm/vacate selected. Historicalstatute/record,no defaultinterestfromorigination.56–57/66–70/83–89gaps,officialimageandcitatorheld; failedofficialrouteunretried.

S_AZ-P12-S027 Saved research record

Metzler, official PDF: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2014/CV130302PR.pdf

Recorded check status: selected official published majority

Read scope and source limitations: B: material majority ¶¶ 1–27 and disposition. Paragraph pinpoints used; exact printed/PDF page mapping not asserted here.
Direct source URLs: https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2014/CV130302PR.pdf
https://www.azcourts.gov/Portals/0/OpinionFiles/Supreme/2014/CV130302PR.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Metzler Rule68-sanctionclassification/no compoundstatutoryinterest/vacatedoldjudgment/new2012judgment/acceptedunconditionaltender andvacate-reverse-remand selected.63–161gap/no allmajorityclaim; no unacceptedtenderholding/currentRule68oractualorder.

S_AZ-P12-S028 Saved research record

McKeon: https://law.justia.com/cases/arizona/court-of-appeals/1991/170-ariz-75.html

Recorded check status: specific body currentness or crossreference unreopened held

Read scope and source limitations: B, republication: full material opinion pp. 76–80 and disposition. Historical statute; conditional settlement.
Direct source URLs: https://law.justia.com/cases/arizona/court-of-appeals/1991/170-ariz-75.html
https://law.justia.com/cases/arizona/court-of-appeals/1991/170-ariz-75.html?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S029 Saved research record

Paloma, recovered published body: https://syfert.com/arizona/cases/237-ariz-322/flood-control-district-v-paloma-investment-ltd-partnership Failed official route: https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2015/1%20CA-CV%2013-0750.pdf

Recorded check status: selected published primary opinion reproduction

Read scope and source limitations: B + F: ¶¶ 1–27 and notes, especially ¶¶ 19–27, printed reporter pp. 326–329. Host identifies CourtListener-derived data; official image not recovered. Automated host ratings were ignored. HTTP failure status not preserved.
Direct source URLs: https://syfert.com/arizona/cases/237-ariz-322/flood-control-district-v-paloma-investment-ltd-partnership
https://www.azcourts.gov/Portals/0/OpinionFiles/Div1/2015/1%20CA-CV%2013-0750.pdf
https://syfert.com/arizona/cases/237-ariz-322/flood-control-district-v-paloma-investment-ltd-partnership?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Paloma selected2011transition/involuntarypayment/interest-first/no contraryagreement andaffirmancewithnotes7/8. Exact281gap and earliercasebodyunread, no fullmajority/officialimage/citator. 2011actquotednotfreshbody. Waivedagreementargumentnotnewactualagreementfinding.

S_AZ-P12-S030 Saved research record

OLRC, Title 12: https://uscode.house.gov/us/usc/119-124/t12/s85/ https://uscode.house.gov/us/usc/119-124/t12/s86/ https://uscode.house.gov/us/usc/119-124/t12/s1831d/ https://uscode.house.gov/us/usc/119-124/t12/s1463/ https://uscode.house.gov/us/usc/119-124/t12/s1757/

Recorded check status: selected federal statutes fresh and explicit dated reuse

Material read, currency/effect, and limits: B/P: §§ 85, 86, 1831d(a)–(b), 1463(g), 1757(5)(A)(vi)–(ix). Displayed through Pub. L. 119-124, October 15, 2026. Not all definitions, notes, opt-outs, or other subsections read.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t12/s85/
https://uscode.house.gov/us/usc/119-124/t12/s86/
https://uscode.house.gov/us/usc/119-124/t12/s1831d/
https://uscode.house.gov/us/usc/119-124/t12/s1463/
https://uscode.house.gov/us/usc/119-124/t12/s1757/
https://uscode.house.gov/us/usc/119-124/t12/s85/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t12/s86/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t12/s1831d/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t12/s1463/?utm_source=chatgpt.com
https://uscode.house.gov/us/usc/119-124/t12/s1757/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Fresh1757vi–ix and1463g rate/remedy. Q001remedypinpointvii. DatedsameprogramAR13completeoperative85/86/1831da/b/readoptoutnotes independentlyreread fromsavedpackets; PL119124Oct15currency only. Not allnotes/crossdefinitions/futurelaw/actualcharter/location/transfer/statechoice/optout/status. See dated-substantive-reuse-map.

S_AZ-P12-S031 Saved research record

eCFR/OCC: https://www.ecfr.gov/current/title-12/chapter-I/part-7/subpart-D/section-7.4001 https://www.ecfr.gov/current/title-12/chapter-I/part-160/section-160.110

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B: § 7.4001(a)–(e), § 160.110(a)–(d). Displayed Title 12 currency October 23, 2026. Rate definition, conditions, and transfer rules; complete litigation validity not certified.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-I/part-7/subpart-D/section-7.4001
https://www.ecfr.gov/current/title-12/chapter-I/part-160/section-160.110
https://www.ecfr.gov/current/title-12/chapter-I/part-7/subpart-D/section-7.4001?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-I/part-160/section-160.110?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S032 Saved research record

eCFR/FDIC: https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.2 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.3 https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.4

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B: definitions, host-state branch provision, and interest/transfer rule. Incorporated § 1813 definitions and complete opt-out/where-made law remain incomplete.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.2
https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.3
https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.4
https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.2?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.3?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-III/subchapter-B/part-331/section-331.4?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S033 Saved research record

eCFR/NCUA: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.5 https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: § 701.5(a), (b)(1)–(4), (c)–(d); § 701.21(a), (c)(6)–(7), including Board-notice mechanism. Mortgage due-on-sale and complete PAL conditions not read. Current display reflects 2026 reorganization.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.5
https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21
https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.5?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-VII/subchapter-A/part-701/section-701.21?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S034 Saved research record

OCC, 2020 transfer-interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-06-02/pdf/2020-11963.pdf Same document HTML: https://www.federalregister.gov/documents/2020/06/02/2020-11963/permissible-interest-on-loans-that-are-sold-assigned-or-otherwise-transferred

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: 85 F.R. 33530–33536; DATES, true-lender limit printed p. 33535/PDF index 5, operative text p. 33536/index 6. Effective August 3, 2020. Other preamble portions partial.
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2020-06-02/pdf/2020-11963.pdf
https://www.federalregister.gov/documents/2020/06/02/2020-11963/permissible-interest-on-loans-that-are-sold-assigned-or-otherwise-transferred
https://www.govinfo.gov/content/pkg/FR-2020-06-02/pdf/2020-11963.pdf?utm_source=chatgpt.com
https://www.federalregister.gov/documents/2020/06/02/2020-11963/permissible-interest-on-loans-that-are-sold-assigned-or-otherwise-transferred?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S035 Saved research record

FDIC, 2020 interest final rule: https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14114.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: 85 F.R. 44146–44158; DATES, true-lender discussion p. 44153/PDF index 7, operative material p. 44158/index 12. Effective August 21, 2020. Complete opt-out discussion not read.
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14114.pdf
https://www.govinfo.gov/content/pkg/FR-2020-07-22/pdf/2020-14114.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S036 Saved research record

Congress, Pub. L. 117-24: https://www.govinfo.gov/content/pkg/PLAW-117publ24/pdf/PLAW-117publ24.pdf

Recorded check status: official disapproval law complete parsed

Material read, currency/effect, and limits: B: complete one-page law, 135 Stat. 296/PDF index 0, approved June 30, 2021. Disapproval of identified OCC true-lender rule.
Direct source URLs: https://www.govinfo.gov/content/pkg/PLAW-117publ24/pdf/PLAW-117publ24.pdf
https://www.govinfo.gov/content/pkg/PLAW-117publ24/pdf/PLAW-117publ24.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Completeonepagelawdisapproves2020NationalBanksAndFederalSavingsAssociationsAsLendersrule,approvedJune30,2021. Doesnotidentifyseparatetransferinterestrules; no completecurrentlitigationchain.

S_AZ-P12-S037 Saved research record

NCUA, 2026 interim final rule: https://www.govinfo.gov/content/pkg/FR-2026-06-09/pdf/2026-11559.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: 91 F.R. 34725–34733; DATES p. 34725/index 0, material explanation p. 34727/index 2, operative beginning p. 34732/index 7. Effective June 30, 2026; comment deadline is not effectiveness. Tail read was partial; current material regulation separately read.
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2026-06-09/pdf/2026-11559.pdf
https://www.govinfo.gov/content/pkg/FR-2026-06-09/pdf/2026-11559.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S038 Saved research record

NCUA Letter 26-FCU-02: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0

Recorded check status: dated same program official letter reuse

Material read, currency/effect, and limits: B: February 2026, displayed active; 18% ceiling extended through September 10, 2027. Official notice mechanism supported by § 701.21(c)(7)(ii)(B).
Direct source URLs: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0
https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: AR13packet6chunk8lines171–237 andpacket5chunk8metadata read frombyte-identicalsavedpackets; active26FCU02February2026letter18%throughSep10,2027. NotfreshaccessorunderlyingBoardaction. Chronology/release/supplemental/regulation/currentness/PAL/stateCUholds remain.

S_AZ-P12-S039 Saved research record

NCUA public announcement: https://ncua.gov/newsroom/press-release/2026/ncua-board-extends-loan-interest-rate-ceiling

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B, agency news: dated February 6, 2026. Supports announced extension, not independent rule authority. Meeting-date wording does not fully reconcile with the letter.
Direct source URLs: https://ncua.gov/newsroom/press-release/2026/ncua-board-extends-loan-interest-rate-ceiling
https://ncua.gov/newsroom/press-release/2026/ncua-board-extends-loan-interest-rate-ceiling?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S040 Saved research record

NCUA supplemental analysis: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0/supplemental-info

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: P, official analysis: supporting discussion read in part; not a separately read Board resolution. Exact meeting chronology held.
Direct source URLs: https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0/supplemental-info
https://ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/permissible-loan-interest-rate-ceiling-extended-0/supplemental-info?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S041 Saved research record

CFPB, Regulation Z display/comments: https://www.consumerfinance.gov/rules-policy/regulations/1026/4/ https://www.consumerfinance.gov/rules-policy/regulations/1026/22/ https://www.consumerfinance.gov/rules-policy/regulations/1026/52/ https://www.consumerfinance.gov/rules-policy/regulations/1026/55/

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: § 4(a), (b)(1)–(2), (c)(1)–(2), relevant comments; § 22(a)(1), comments 1–4; material §§ 52–55 portions. § 52 displays older dollar figures; not accepted as current. Full TILA coverage/notice/insurance bodies incomplete.
Direct source URLs: https://www.consumerfinance.gov/rules-policy/regulations/1026/4/
https://www.consumerfinance.gov/rules-policy/regulations/1026/22/
https://www.consumerfinance.gov/rules-policy/regulations/1026/52/
https://www.consumerfinance.gov/rules-policy/regulations/1026/55/
https://www.consumerfinance.gov/rules-policy/regulations/1026/4/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/22/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/52/?utm_source=chatgpt.com
https://www.consumerfinance.gov/rules-policy/regulations/1026/55/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S042 Saved research record

eCFR, Regulation Z: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.52 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: B/P: material § 52(a)–(b) and § 55(a), (b)(1)–(5), (c)–(e). Banners through October 22–23, 2026. § 52 displays $8/$32/$43 framework despite S043’s vacatur report; numerical legal effect held. SCRA/LIBOR branches and notice cross-references incomplete.
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.52
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.52?utm_source=chatgpt.com
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-G/section-1026.55?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S043 Saved research record

CFPB semiannual-report PDF: https://files.consumerfinance.gov/f/documents/cfpb_semi-annual-report_spring-2025.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Material read, currency/effect, and limits: P, official report: § 2.2.2, printed p. 26/PDF index 25, reports April 2025 late-fee-rule vacatur. Body discusses an October 2024–December 2025 reporting period despite filename. Publication date not established here; report is not the judicial order.
Direct source URLs: https://files.consumerfinance.gov/f/documents/cfpb_semi-annual-report_spring-2025.pdf
https://files.consumerfinance.gov/f/documents/cfpb_semi-annual-report_spring-2025.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S044 Saved research record

Federal Reserve, H.15: https://www.federalreserve.gov/releases/h15/

Recorded check status: fresh dynamic data version not historical release

Material read, currency/effect, and limits: B, official data: October 26, 2026 release; bank prime loan rate 7.00 for the displayed October 19–23 columns. Dynamic URL; this is the release actually read, not a future rate guarantee.
Direct source URLs: https://www.federalreserve.gov/releases/h15/
https://www.federalreserve.gov/releases/h15/?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: FreshH15isOctober28,2026releasewith7.00primeforOctober21/22/23/26/27. ThiscorroboratesthevaluedisplayedforOct23but DOESNOT freshly authenticate theOctober26publication/versiononwhichtheOctober27modeldepends. Preserve originalresearcherdate; no guessedarchiveURLorcurrentrate substituted. Historicalexactpublication/businessday/applicationheld.

S_AZ-P12-S045 Saved research record

Marquette, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-439/pdf/USREPORTS-439-299.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Read status and limits: B/P: material majority pp. 301–304, 306–313, 315–319 within PDF indexes 0–20. Background gaps preserved; no full citator.
Direct source URLs: https://www.govinfo.gov/content/pkg/USREPORTS-439/pdf/USREPORTS-439-299.pdf
https://www.govinfo.gov/content/pkg/USREPORTS-439/pdf/USREPORTS-439-299.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S046 Saved research record

Smiley, official U.S. Reports: https://www.govinfo.gov/content/pkg/USREPORTS-517/pdf/USREPORTS-517-735.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Read status and limits: B: material majority pp. 737–747/PDF indexes 2–12 and disposition. Historical deference method qualified by S047.
Direct source URLs: https://www.govinfo.gov/content/pkg/USREPORTS-517/pdf/USREPORTS-517-735.pdf
https://www.govinfo.gov/content/pkg/USREPORTS-517/pdf/USREPORTS-517-735.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S047 Saved research record

Loper Bright, official Supreme Court opinion: https://www.supremecourt.gov/opinions/23pdf/22-451_7m58.pdf

Recorded check status: specific body currentness or crossreference unreopened held

Read status and limits: P: majority slip pp. 34–35/PDF indexes 41–42. Narrow prior-holding/stare-decisis passage and disposition; not full opinion or separate writings.
Direct source URLs: https://www.supremecourt.gov/opinions/23pdf/22-451_7m58.pdf
https://www.supremecourt.gov/opinions/23pdf/22-451_7m58.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Wholeoriginalrowandlinkedclaimsread; specificbody/exceptions/fullcurrentversionchainnotfreshlyreopened. Originalrepublished/partial/index/proposal/discovery/access/local/applicationlimitsremain.

S_AZ-P12-S048 Saved research record

Laws 2011, ch. 99 attempted official routes: https://www.azleg.gov/legtext/50leg/1r/laws/0099.htm https://www.azleg.gov/legtext/50leg/1r/laws/0099.pdf

Recorded check status: original failed only routes preserved

Read status and limits: F only: neither route yielded usable body. Exact HTTP status was not preserved. No unchanged retry loop. § 17(B) is available here only as quoted/construed in S029 and applied in S027. Next: readable official session-law body.
Direct source URLs: https://www.azleg.gov/legtext/50leg/1r/laws/0099.htm
https://www.azleg.gov/legtext/50leg/1r/laws/0099.pdf

Recorded coordinator check boundaries

coordinator review note: ExactoriginalfailedURLs/statuslimitsretained;no identicalrequest/variant/workaroundorabsenceinference.

S_AZ-P12-S049 Saved research record

15 U.S.C. § 1610 attempted official routes: https://uscode.house.gov/us/usc/119-124/t15/s1610/ https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1610&num=0&edition=prelim

Recorded check status: original failed only routes preserved

Read status and limits: F only: first route inaccessible; alternate returned 404 through retrieval. No body relied on. Next: a readable official codification/session-law source for the specific state-law interaction.
Direct source URLs: https://uscode.house.gov/us/usc/119-124/t15/s1610/
https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1610&num=0&edition=prelim

Recorded coordinator check boundaries

coordinator review note: ExactoriginalfailedURLs/statuslimitsretained;no identicalrequest/variant/workaroundorabsenceinference.

S_AZ-P12-S050 Saved research record

Attempted additional retail section: https://www.azleg.gov/ars/44/06003.htm

Recorded check status: original failed only routes preserved

Read status and limits: F only: no usable body; exact HTTP status not retained. It was not a necessary authority for the read §§ 44-6001–6002 analysis. Failure is not proof of statutory absence.
Direct source URLs: https://www.azleg.gov/ars/44/06003.htm

Recorded coordinator check boundaries

coordinator review note: ExactoriginalfailedURLs/statuslimitsretained;no identicalrequest/variant/workaroundorabsenceinference.

S_AZ-P12-S051 Saved research record

Arizona SB1689 introduced text discovery: https://www.azleg.gov/legtext/57leg/2r/bills/sb1689p.htm

Recorded check status: original discovery only not authority

Read status and limits: D only: proposed rate-threshold language surfaced in discovery; not treated as an enacted amendment. The bill’s final status was not independently certified.
Direct source URLs: https://www.azleg.gov/legtext/57leg/2r/bills/sb1689p.htm
https://www.azleg.gov/legtext/57leg/2r/bills/sb1689p.htm?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalproposal/snippet discovery only; not enactedlaw/publishedmajority or newlychecked. No currentpremise adopted.

S_AZ-P12-S052 Saved research record

Markham memorandum-opinion discovery: https://www.omlaw.com/wp-content/uploads/Markham_Contracting_Co._v._F.pdf

Recorded check status: original discovery only not authority

Read status and limits: D only: snippet-level discovery concerning judgment-interest base. Body and citation-rule predicates not verified; not used as authority.
Direct source URLs: https://www.omlaw.com/wp-content/uploads/Markham_Contracting_Co._v._F.pdf
https://www.omlaw.com/wp-content/uploads/Markham_Contracting_Co._v._F.pdf?utm_source=chatgpt.com

Recorded coordinator check boundaries

coordinator review note: Originalproposal/snippet discovery only; not enactedlaw/publishedmajority or newlychecked. No currentpremise adopted.

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