Which place’s debt rules apply—and who can help?

S_ID PASS-02 — bounded corrections and qualifications to P1

Targeted PASS-02 access date: October 25, 2026, Pacific time.

Effect of this pass: P1 response 02b1cb10-7227-4f6a-9337-b56d3592d5ae, including its raw tables, 35 original claims, 36 coverage rows, seven examples, formulas, and numerical results, remains immutable. Only the cells and inline references identified below are replaced or qualified. No full Idaho report, fee analysis, federal analysis, or worked-example calculation was rerun.

1. Stable reference aliases

1.1 Immutable P1 source identities

No replacement source IDs are created for these documents.

1.2 Exact inline-reference replacements

The final P1 claim-table rows C023–C027 already contain the correct source aliases supplied in the claim packet. Those final claim-table rows are therefore not replaced.

2. Credit-repair classification qualification

2.1 Replacement for P1 §1.2

Replace the classification paragraph in §1.2 with:

Idaho Code § 26-2223(8) supplies the relevant credit-repair activity branch, but it must be read together with the definition in § 26-2222(5). Under the accessible 2025 reproduction, a “credit repair organization” does not include:

1. A consumer reporting agency, as defined in 15 U.S.C. § 1681a(f), that provides consumer reports based on information furnished by creditors, or any affiliate or subsidiary of such consumer reporting agency as defined by rule promulgated by the director.
2. A person having an ongoing contractual arrangement with a consumer reporting agency described in § 26-2222(5)(a) to obtain consumer reports from a consumer reporting agency for either:Resale of the report, or information contained in or derived from it, to a consumer; orMonitoring information in the report on behalf of a consumer.
3. A person, to the extent the person advertises, markets, provides, or facilitates consumer access to products or services offered or provided by an entity described in § 26-2222(5)(a) or a person described in § 26-2222(5)(b).

These are exclusions from the defined term “credit repair organization,” not exemptions under § 26-2239. Broadly described credit-improvement activity does not override a satisfied definitional exclusion. Conversely, a provider does not establish an exclusion merely through its label, accreditation, nonprofit description, affiliate claim, or assertion that it offers monitoring. Each element and cross-reference must be satisfied on the actual facts. Debt-settlement and debt-counseling classifications remain separately analyzed.

The complete exclusion language appears in § 26-2222(5)(a)–(c). The accessed page identifies itself as the 2025 Idaho Code, carries a nonofficial-citation warning, and warns that Idaho may have more current or accurate information. It is therefore not converted into verified official 2026 text. Justia Law

2.2 Replacement C004 claim cell

2.3 Replacement model-table cell

Replace the P1 “Standalone credit repair” access cell with:

2.4 Replacement coverage cell

3. Narrow administrative qualifications

3.1 Replacement §5 application-content/procedure cell

Replace the affected P1 application-content summary with:

Section 26-2224(1)(a)–(l), in the accessible 2025 reproduction, specifies application contents. Information required at application must be updated as necessary to remain current, except advertisements and solicitations. Under subsection (2), an incomplete application becomes withdrawn and void if the applicant fails to provide the necessary completion information within 60 days after receipt of a written deficiency notice. For this clock, the statute defines receipt by the identified event: placement in regular U.S. mail using the application address, emailing the application email address, or posting to the prescribed electronic licensing system. The provision does not require proof that the applicant physically opened or actually read the notice. No calendar calculation is made here. Justia Law

3.2 Replacement C028 conditions cell

3.3 Replacement C030 cell

The reproduced section uses “may reinstate,” conditions reinstatement on a licensing finding and the listed submissions, and separately makes expiration automatic for failure to renew by December 31. Justia Law

4. Wall source status and pinpoint replacements

4.1 Replacement S014 source-status cell

4.2 Replacement C008 source/pinpoint cell

Printed page 11 states the tax-debt conclusion, while printed pages 12–13 explain that the Idaho license does not prevent enrolled agents from practicing before the IRS and that compliance with both regimes is possible. Justia Law+2

4.3 Replacement C009 and §1.4 pinpoint cells

For P1 §1.4, replace the existing Wall citation range with:

[C009; S008 §26-2229(3)(b); S014 printed pp. 10–11]

Printed pages 10–11 set out the argument and hold that the particular unsecured-debt fee provision does not apply to secured-debt services while the Act is not thereby limited to unsecured debt generally. Justia Law+1

4.4 Replacement C034 source/pinpoint cell

The opinion’s sanctions section begins on printed page 15, addresses discretionary restoration and client-specific fee analysis on pages 16–17, and affirms restoration on page 18. Justia Law+3

5. Minimal completion qualifier

5.1 Replacement for the P1 introductory status sentence

Replace “Substantively completed for provider classification, public market access, consumer-fee ceilings, and applicable fee timing” with:

Component status: P1 supplies bounded, conditional findings for the provider-classification, public-access-route, consumer-fee-ceiling, and applicable-timing questions addressed from the sources actually read. It does not establish complete current provider coverage or final Idaho acceptance. The exact official current section text and 2026 amendment/session-law comparison remain held under C035, and the exact current Idaho NMLS application/renewal checklist remains held under C033. Provider-specific authorization also requires an actual registry result.

5.2 Global qualifier for P1 coverage rows

Apply this qualifier to every P1 coverage cell marked “Answered”:

“Answered” means answered for the bounded issue and evidentiary record stated in P1. It does not override C033, C035, source-version limits, provider-specific factual conditions, definitional exclusions, exact statutory exemptions, or the need for an actual license-search result. It is not state acceptance, A066 acceptance, or publication readiness.

No original coverage status is silently converted to broader completion.

6. Minimal document/source-usage and version table

7. Corrective PASS-02 claims

All 35 original P1 claims remain stable. The P2 corrective claims identify source mapping, qualifications, and unresolved evidentiary limits; they do not replace the P1 substantive fee formulas or examples.

8. Focused coverage patch

9. Self-check

Freshly read or checked in PASS-02

• The relevant complete exclusion language in the 2025 reproduction of § 26-2222(5)(a)–(c).
• The complete relevant application/update/deemed-receipt language in the 2025 reproduction of § 26-2224(1)(a)–(l) and (2)(a)–(c).
• The complete renewal and reinstatement language in the 2025 reproduction of § 26-2231(1)–(3).
• The IDOF statute index and the IDOF license-search landing page.
• Selected Wall passages on printed pages 10–13 and 15–18, including visual PDF inspection.
• The official Wall PDF route, which returned 404.

Reused rather than newly read

• P1’s remaining Idaho statutes and fee provisions.
• P1/prior coordinator review of eCFR §§ 310.2, 310.4, and 310.6.
• P1’s current-through-Public-Law-119-120 OLRC readings of §§ 1679a and 1679b.
• The September 2026 IDOF alert’s original researcher access; no fresh P2 verification is claimed.
• P1’s complete fee structures, federal conditions, formulas, refund analysis, and seven examples.

Not recovered or not performed

• Official current 2026 text for the affected Idaho sections.
• A complete 2026 Idaho session-law amendment comparison.
• The exact current Idaho NMLS application or renewal checklist.
• Any named-provider registry result.
• The official Idaho-hosted Wall PDF.
• A full reading or citator treatment of all 20 Wall pages.
• Any settlement instrument, current-company approval, private contract, borrower data, regulator contact, filing, application, publication, or whole-state review.

This is the same-coordinator bounded correction described by the request, not an independent review. P1 remains preserved except for the expressly identified replacement references, qualification cells, source-status limits, and case pinpoints. No Idaho state acceptance, A066 acceptance, provider authorization, or publication readiness is claimed.

END S_ID PASS-02.