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

S_ID PASS-03 — official-source currency and NMLS-checklist evidence patch

Actual fresh public-source access date: October 25, 2026, Pacific time, America/Los_Angeles.

Preservation rule: P1 response 02b1cb10-7227-4f6a-9337-b56d3592d5ae and the entire P2 bounded correction remain immutable except for the narrow source-status and coverage qualifications below. No fee formula, refund calculation, federal analysis, Wall analysis, named-provider lookup, or worked example was rerun.

Review character: Same-coordinator bounded review, not independent review.

Bottom-line disposition

1. Readable official current text was not recovered for Idaho Code §§ 26-2222(5), 26-2223(8), 26-2224(1)–(2), or 26-2231(1)–(3). The Idaho Department of Finance’s official index still links to those Legislature sections, but a single fresh bounded click to § 26-2222 again failed as a restricted URL. The other previously failed section routes were not repeatedly retried. The exact P2 wording therefore remains supported by the identified secondary 2025 code reproductions, not newly authenticated as official current 2026 text. Department of Finance
2. Two official Idaho sources narrow the 2022 enactment history:The Governor’s bill-action record lists H610 as “LAW” and shows it signed March 28, 2022, at 3:10 p.m.IDOF’s Summer 2022 newsletter says the changes would begin July 1, 2022, and identifies the incomplete-application, reinstatement, electronic-licensing/NMLS, and December 31 expiration changes at a general level.These sources corroborate P2’s broad procedural history, but neither supplies the enacted clauses, exact section-by-section amendment text, statutory effective clause, or any complete 2026 amendment comparison. Idaho.gov+2
3. The actual current Idaho-specific NMLS company new-application and renewal checklist PDFs were not recovered. NMLS’s current instructions establish that the public compilers are the mechanism for selecting and exporting the state-specific PDFs, but the compiler pages produced no readable checklist contents through this public route. The legacy static Idaho company and branch PDF paths now redirect to the NMLS home page. The renewal chart endpoint could not be opened, and no Idaho spreadsheet row was read. Nationwide Licensing System+5
4. Current supporting documents were recovered, but they do not close C033:NMLS Company Form MU1, Version 5.0 dated July 1, 2026, is a universal instructional company form, not an Idaho checklist.The NMLS Policy Guidebook updated August 15, 2026 expressly says it does not substitute for state requirements.IDOF’s current forms page links to NMLS and state supplemental forms.An IDOF consent form, Revision 01/2026, expressly covers applying for or renewing an Idaho Collection Agency Act license.A separate agent-notification PDF, Revision 7/2023, contains new-application and annual-agent instructions, but its quarterly filing-channel instructions conflict with IDOF’s current March 2026 Tyler-only notice and therefore cannot be treated as a wholly current checklist. Nationwide Licensing System+6

Accordingly, C033 and C035 remain open. PASS-03 narrows their evidence records but does not complete either one.

A. Affected-cell patches only

A1. C004 — credit-repair definition and exclusions

Substantive disposition

No substantive text change to P2 C004.

The P2 treatment of § 26-2222(5)(a)–(c) and § 26-2223(8) remains the bounded interpretation of the complete 2025 secondary reproductions supplied and reviewed in P2. PASS-03 did not recover official current text for either section and did not recover a controlling 2026 enactment or official amendment chain confirming that the wording remained unchanged.

The 2022 H610 sources recovered in PASS-03 address other collection-agency licensing changes and do not authenticate the credit-repair definition or activity branch. No inference about §§ 26-2222(5) or 26-2223(8) is made from H610’s general procedural history.

Replacement C004 source/currentness cells

Coverage consequence

A2. C028 — application updating, notice receipt, and NMLS route

What official evidence was added

IDOF’s official Summer 2022 publication states that H610:

• Codified treatment of an incomplete application after 60 days’ notice of deficiency.
• Required license applications and renewals to use a director-prescribed electronic licensing system.
• Required new applications filed on or after July 1, 2022 to be filed through NMLS.
• Provided a transition deadline for existing paper licensees. Department of Finance

IDOF’s current forms page, last updated April 3, 2026, continues to route collection-agency applications to NMLS. Department of Finance

What was not officially recovered

Neither official source supplies:

• The exception for advertisements and solicitations in § 26-2224(1).
• The exact subsection (2)(a)–(c) deemed-receipt events.
• The complete operative 60-day language.
• The current Idaho-specific NMLS company checklist.
• A complete 2026 amendment comparison.

Those precise propositions remain sourced to the reviewed 2025 secondary reproduction.

Replacement C028 source/currentness cells

A3. C030 — renewal, expiration, and reinstatement

What official evidence was added

The Governor’s official action log establishes that H610 became law and was signed March 28, 2022. IDOF’s Summer 2022 newsletter says the H610 changes would begin July 1, 2022, that licenses would expire annually on December 31, and that licensees would have an opportunity to reinstate an expired license under specified circumstances. Idaho.gov+2

What was not officially recovered

The official materials read do not quote or establish:

• The $100 renewal fee.
• The $50 reinstatement fee.
• “May reinstate” rather than mandatory reinstatement.
• The licensing-requirements finding.
• The complete-renewal-application condition.
• The “unless previously paid” renewal-fee clause.
• The exact 60-day statutory reinstatement period.
• A current official 2026 version of § 26-2231.

Those exact elements remain sourced to the reviewed secondary 2025 reproduction. NMLS’s generic company guidance separately describes a November 1–December 31 renewal period and possible January–February reinstatement where the regulator permits it, but NMLS expressly treats state requirements as controlling; that generic timetable cannot replace Idaho’s statute. Nationwide Licensing System+3

Replacement C030 source/currentness cells

No changed rule requiring a new numerical example was found. All seven P1 examples remain untouched.

B. Complete focused source and usage table

C. PASS-03 evidence and corrective claims

All P1 and P2 claim identities remain stable. These P3 claims record evidence status and bounded qualifications rather than replacing the supported substantive formulas or examples.

D. Actual checklist evidence recovered

D1. Company versus branch documents

D2. Exact state supplemental documents actually inspected

Consent to service and examination form

The IDOF form is Revision 01/2026. It identifies the applicant/licensee entity, requires appointment of the director to receive lawful process, consents to examination of specified financial accounts, includes signature/title information, and requires notarization. Its text expressly applies to a person “applying for or renewing” an Idaho Collection Agency Act license. Department of Finance+1

This establishes one current state supplemental document. It does not establish where NMLS expects it to be uploaded, the checklist document label, whether it must be mailed separately, or every new-application/renewal requirement.

Agent notification material

The Revision 7/2023 PDF states, for a new application, that the filer should identify the filing as a new application, list agents alphabetically and by location, attach legal documents and explanations for specified affirmative criminal-history answers, and include the stated per-agent charge. It separately contains annual-agent instructions and reproduces a § 26-2240 agent-list summary. Department of Finance+1

But the document’s quarterly instructions refer to Access Idaho and paper filing, while IDOF’s current page states that quarterly agent reporting became exclusively Tyler-based beginning with the March 2026 report. The PDF is therefore not treated as a wholly current procedural checklist. Department of Finance

The current forms page separately links a DOCX titled “Collection Agency New Application Notification of Agents/Collectors Form and Instructions,” but that document’s body and revision date could not be opened. Its title alone does not permit replacement of the older PDF or assumption that their contents match.

E. Focused coverage and remaining-gap table

Exact dependency sequence

C033 can close only after the actual current Idaho Company New Application and Company Annual Renewal checklist outputs are exported from the public NMLS compilers and read, together with the relevant Idaho row in the official renewal spreadsheet.

C035 can close for these four sections only after readable official current section text—or an official codification/session-law chain sufficient to reproduce it—is obtained and compared against the reviewed secondary wording. H610’s official signature record and IDOF’s historical description are not substitutes for that comparison.

F. Researcher self-check

Freshly read or visually inspected in PASS-03

• IDOF’s official statutes-and-rules index.
• One bounded fresh official § 26-2222 link attempt, which failed as restricted.
• The Governor’s March 31, 2022 daily bill-action record, including its column headings and H610 row.
• IDOF’s Summer 2022 newsletter page describing H610.
• IDOF’s current collection-agency forms page.
• NMLS’s new-application checklist-compiler instructions.
• NMLS’s annual-renewal checklist-compiler instructions.
• NMLS Company Form MU1, Version 5.0 dated July 1, 2026.
• NMLS Policy Guidebook pages identifying its purpose, limits, MU1/MU2/MU3/MU4 architecture, and state-specific requirements outside NMLS.
• The Revision 7/2023 IDOF agent-notification PDF.
• The Revision 01/2026 IDOF consent-to-service/examination form.
• Current generic NMLS company renewal and reinstatement guidance, used only for system context.

Supplied or reused, not falsely relabeled as fresh official verification

• The reviewed 2025 secondary reproductions of §§ 26-2222, 26-2223, 26-2224, and 26-2231.
• P1/P2 federal authorities, Wall materials, fee findings, formulas, examples, source aliases, and prior failed section routes.
• P2’s complete classification, application, reinstatement, reference, and case-pinpoint corrections.

Failed or unread routes preserved exactly

• Official Legislature § 26-2222 route: restricted/fetch failure.
• Official Legislature H0610 PDF: unread through the available route.
• Legacy static Idaho NMLS company checklist URL: redirected to NMLS home.
• Legacy static Idaho NMLS branch checklist URL: redirected to NMLS home.
• Current annual-renewal compiler: no readable Idaho checklist contents returned.
• Official renewal spreadsheet endpoint: workbook contents not opened.
• Current IDOF new-application agent DOCX: title and URL recovered, body not opened.

Not done

• No repeated brute-force retries of the blocked Legislature section set.
• No invented URL variants, proxy, API, CAPTCHA, credential, or account workaround.
• No NMLS login, application filing, fee payment, account permission, or private-entity data access.
• No named-provider search or authorization claim.
• No whole-Act, current-fee-schedule, federal, Wall, contract, funds, bond, remedies, or worked-example rerun.
• No claim of independent review, Idaho completion, A066 acceptance, or publication readiness.

END S_ID PASS-03.