Official current Idaho statutory authentication remains unresolved.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C001
- Source/pinpoint
- S001–S005
- Status/limit
- Source gap, not no-law finding
FIND THE EXPLANATION
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Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.
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The explanation above is written for readers. These original working documents preserve the evidence trail, including technical language, dated passages and known corrections. They have not all received independent professional review. Use the marked limits before relying on a particular rule or figure.
DETAILED RESEARCH · EVIDENCE & LIMITS INCLUDED
SID Idaho payday/deferred-deposit credit, charges, and borrower protections
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Read the related correction supplements
These components repair their stated scope. They do not replace every other finding in this research series.
SID bounded rule-pinpoint clarification →SID Rule 40 quantity and exception completion →
Idaho: appellate history and quantity-row corrections →
Idaho: completion of appellate costs inquiry cells B07–B27 →
Idaho: appellate rehearing quantity-row correction →
S_ID PASS-12 — Idaho payday/deferred-deposit credit, charges, and borrower protections
Fresh public-source access date: October 28, 2026, America/Los_Angeles.
Scope: The payday/deferred-deposit sector component of registry dimension 6, with only the necessary classification, disclosure, collection, and remedy interfaces.
Evidence disposition: The official Idaho statutory routes attempted in this pass did not yield readable operative bodies. The principal Idaho statutory findings are therefore provisional readings of the identified 2025 reproductions. Two incorporated provisions were recovered only in older editions, identified separately below. Official Department of Finance materials, an official rule-status index, and current-published federal Regulation Z text and commentary were read. These do not replace authentication of the current Idaho statutes or their final enactment chain.
Earlier raw findings, provenance, C033/C035, and other holds remain unchanged. No prior sector report supplies a substantive payday finding here.
Principal findings
Idaho’s payday category is a defined deferred-check arrangement, including specified electronic equivalents—not every small loan. Part 4 incorporates the Idaho Credit Code’s regulated-loan provisions except Part 3 of chapter 46. That incorporation makes consumer-credit classification and several general protections material, but it does not turn a general lender license into proof of payday authority. [C002–C006.] Justia Law+1
The operative distinctions include principal, check amount, cash advanced, fee, finance charge, and APR. They must not be collapsed into one number. The reproduced text sets principal and aggregate restrictions, requires dollar and APR disclosures, and permits only the payday fee and specifically authorized additional charges. Its state-law description of the payday fee does not decide federal finance-charge treatment. [C007–C013.] Justia Law+2
The no-cost rescission right, check-redemption right, general prepayment provision, and extended payment plan are different protections. “Fully earned” cannot be read in isolation from the express rescission right or converted into a universal conclusion that every early-payment refund is prohibited. [C016–C022.] Justia Law+3
A dishonored payment is not automatically fraud. The payday provision prohibits criminal threats for a payment deficit, bars treble damages, and incorporates only the specified dishonored-check charges with its own disclosure condition. The incorporated check law has additional notice, contract, court-fee, and justifiable-stop-payment qualifications. [C023–C026.] Justia Law+2
Two important cross-reference questions remain unresolved: the application of the general small-loan installment/term provision to the special payday structure, and the relationship between the general precomputed-charge rebate provision and the payday-specific earned-fee language. Neither gap is resolved by declaring unlimited terms or universally nonrefundable fees. [C014, C022.] Justia Law+1
1. Classification, actors, and territorial scope
The following status labels apply throughout:
- P — Provisional: Idaho statutory wording read in a dated secondary reproduction.
- O — Official body or publication read: within its identified scope and date.
- E — eCFR: authoritative but unofficial current-published federal regulatory text.
- H — Held: an indispensable currentness, incorporation, construction, or application dependency remains unresolved.
1.1 Product and actor matrix
| Category | Rule established by the read text | Boundary |
|---|---|---|
| Payday loan | A written arrangement under which the creditor accepts the maker’s check, defers negotiation/deposit/presentment for an agreed period, and advances the check amount less the permitted fee. | A small principal amount or short maturity alone does not establish this category. |
| Check for Part 4 | Includes the stated electronic equivalent and authorization to withdraw an agreed amount from the borrower’s account. | This expanded definition does not automatically satisfy every UCC “check” incorporation. |
| Licensee | Includes a person licensed or required to be licensed under Part 4. | Lack of a license does not remove the actor from duties directed to required licensees. |
| Regulated consumer loan | Requires the applicable Credit Code loan, consumer-purpose, regulated-credit, and exclusion predicates. | A business-purpose label, internet channel, installment schedule, or bank affiliation is not conclusive. |
| Supervised financial organization | The incorporated definition concerns the described authorized and supervised loan-and-deposit institutions. | An institutional label is not proof that the definition is met. |
| License-exempt institution | Section 28-46-402 exempts specified institutions from that section’s licensing requirements. | It does not say every payday conduct provision or every federal law is inapplicable. |
| General regulated lender | Part 3 licensing and payday Part 4 licensing are distinct. | A general license is not proof of payday authorization. |
| Assignee or collector | Particular provisions reach an assignee directly collecting or enforcing, and the payday dishonor restriction expressly reaches a third-party collector. | Assignment does not itself prove ownership, lawful charges, or collection authority. |
[C002–C006, C024, C030.] Justia Law+3
Section 28-41-204 generally applies the Credit Code to consumer-purpose transactions, while expressly extending listed provisions to other purposes. Payday Part 4 is not one of the provisions listed there as universally applicable regardless of purpose. The complete definition and exclusion analysis therefore remains necessary; the payday label alone does not decide a business-credit branch. [C003.] Justia Law
1.2 Territorial and exemption qualifications
Section 28-41-201 contains several distinct connections to Idaho, including the place where a signed agreement is received and Idaho-resident transactions resulting from solicitation in Idaho, expressly including internet solicitation. It also contains physical-presence, nonresident, address-presumption, choice-of-law, and enforcement-proceeding qualifications. [C004.] Justia Law
Its licensing cross-reference to § 28-46-301 must be read carefully against § 28-46-401’s exclusion of Part 3 from the otherwise incorporated regulated-loan provisions. This pass does not resolve every overlap by importing Part 3 wholesale.
The complete § 28-41-202 exclusions were read. They include the specified government credit, insurance-premium, regulated-utility, and limited pawnbroker branches. Those exclusions are not interchangeable with § 28-46-402’s institutional licensing exemptions. [C005.] Justia Law+1
No actual residence, solicitation, contract location, charter, federal preemption, tribal status, or license was investigated.
1.3 Generic licensing requirement and specific consequence
Section 28-46-402 requires licensing before the covered business is engaged in, offered, made, or arranged, and requires a separate license for each location. It does not establish an actual license from an application or public statement.
For a payday loan made in Idaho in violation of that licensing requirement, subsection (3) expressly makes the loan void, uncollectible, and unenforceable, and removes the borrower’s obligation to pay principal or fees. It also identifies recovery from the violator or an assignee undertaking direct collection or enforcement. The administrator has the specified recovery and cease-and-desist authority. [C006.] Justia Law
This is a specific statutory consequence. It is not extended to every other violation without a separate source.
2. Principal, charges, terms, security, and payment mechanics
2.1 Source-stated restrictions
| Issue | Reproduced statutory relation | Qualification |
|---|---|---|
| Individual principal | No more than $1,000 | Principal is not automatically the check face amount or net proceeds. |
| Aggregate outstanding | Same licensee and common-control persons may not exceed the stated $1,000 aggregate-principal relation, plus allowable fees | Not a verified statewide aggregate across all unrelated lenders. |
| Income relation | Payday loan may not exceed 25% of gross monthly income when made | The text says “payday loan”; no unsupported substitution of net cash, check face, or another base is made. |
| Income information | Obtained at least once every twelve months | The statute provides its own evidence-or-written-representation condition. |
| Written agreement | Borrower-signed writing with licensee name, date, principal, and total condition-of-credit fees in dollars and APR | Does not establish compliance with every federal disclosure rule. |
| Fee posting | Conspicuous dollar fee per $100 at each licensed location | The $100 figure is a disclosure unit, not a fee ceiling. |
| Security | Only the permitted borrower check; no other property, title, or evidence of ownership as collateral | Does not import title-loan or repossession rules. |
| Electronic representment | No more than two electronic representments | “Representment” is not silently rewritten as total attempts or a federal safe harbor. |
[C007–C010, C015.] Justia Law+1
The income provision states that the lender is not in violation of the 25% subsection if the borrower presents evidence of gross monthly income or makes the specified written representation. This is not replaced by an invented verification standard or an actual affordability determination.
2.2 Fee permission is not unlimited-fee permission
Section 28-46-412(3) permits a fee for each payday loan, describes it as earned at the transaction date, and prohibits other charges except those specifically provided by the Act. Section 28-42-201’s general agreed-finance-charge rule remains subject to special limitations and prohibitions. [C011.] Justia Law+1
Neither of those read provisions supplies a numerical payday origination-fee ceiling. That bounded textual finding is not a conclusion that any fee or APR is lawful. The relevant restraints include:
- Product-specific additional-charge restrictions.
- Rescission and payment-plan protections.
- Unfair/deceptive-conduct and applicable unconscionability rules.
- Federal rules whose independent predicates must be met.
- The unresolved official-current-text and amendment-chain questions.
The state statement that the fee is not interest does not determine whether it is a federal finance charge. That federal distinction is addressed narrowly in Section 7. [C012, C044.]
2.3 Disbursement and repayment
The statute permits the listed cash, business-check, money-order, electronic-transfer, and other reasonable electronic disbursement methods, but prohibits an additional charge to access the payday proceeds. Repayment methods have their own agreement conditions. Only one postdated check may secure the described transaction, and endorsement must use the actual business name before negotiation or presentment. [C013.] Justia Law
None of those state clauses establishes valid federal electronic authorization, irrevocability, compulsory-use compliance, or permission for a particular debit.
2.4 General installment-term incorporation: unresolved interaction
Section 28-43-310, read in full, addresses regulated consumer loans that are not open-end credit and have principal of $1,000 or less. It requires substantially equal installments at equal intervals, subject to seasonal or irregular income, and states maximum periods of:
- Thirty-seven months when principal exceeds $300.
- Twenty-five months when principal is $300 or less.
[C014.] Justia Law
Because § 28-46-401 incorporates regulated-loan provisions except Part 3 of chapter 46, this section cannot be ignored merely because § 412 describes an agreed check-holding period. But the exact reconciliation of the general installment rule with the special payday and EPP provisions was not established by an official interpretation or controlling construction.
Accordingly, this report does not state that payday loans have no maximum term, that every payday agreement must follow a particular installment schedule, or that the general maximum automatically resolves a given payday arrangement.
3. Renewal, rescission, extended payment plans, and early payment
3.1 Different rights and reference events
| Protection or restriction | Source-stated operation | What must not be substituted |
|---|---|---|
| Renewals | At most three consecutive renewals, then full repayment | Not three new loans free of the other restrictions. |
| Same/common-control refinancing | Repayment from another payday loan’s proceeds is prohibited | A new document does not evade the rule. |
| New loan after completion | Permitted by the stated clause after the prior loan is completed | Other aggregate, income, renewal, and repayment restrictions still matter. |
| Statutory completion | For the check-secured branch, presentation/deposit or borrower redemption | Not necessarily final bank clearance. |
| Rescission | No cost, before close of business on the next business day, through repayment of principal in cash or immediately available funds | Notice alone is not the stated tender condition. |
| Check redemption | Before presentment/deposit, by payment of the full check amount in immediately available form | Not the no-cost principal-only rescission right. |
| General full prepayment | Section 28-42-306 permits it without penalty, subject to § 307 | Does not itself determine the payday fee rebate. |
[C016–C018, C022.] Justia Law+2
No statutory definition of “business day” sufficient to calculate the payday rescission deadline was authenticated in this pass. The operative “prior to close of business” language and the prescribed disclosure’s shorter wording are preserved without calculating a date.
3.2 Extended payment plan: statute
Section 28-46-414 requires the lender to allow the specified request once during any consecutive twelve-month period. The plan must be written and executed no later than the original due day. It must provide at least four equal payments over at least sixty days and include the prescribed disclosures.
The plan obligation may not exceed the amount owed under the original terms. No interest or additional fee is permitted except the incorporated dishonored-payment branch. Default permits the stated termination and acceleration; while the borrower complies, collection activities may not be initiated. [C019–C020.] Justia Law
This is not an unlimited right to repeated plans, a mandatory debt reduction, a new fee-earning event, or a definition of every kind of default.
3.3 First-payment timing: official guidance, not enacted text
The Department’s July 1, 2020 guidance interprets the first EPP payment as due no earlier than the greater of the original loan period or two weeks after the plan is entered. It explains why an immediate initial payment can defeat the plan’s purpose.
The document’s heading contains a § 28-46-114 citation, while its body discusses § 28-46-414. That discrepancy is recorded, not silently corrected into a different statute. The guidance says it replaces the October 9, 2014 statement. [C021; S008.] Department of Finance
The Department’s legal page expressly distinguishes guidance from law. Thus, the first-payment interpretation is recorded as the agency’s position, not as words added to § 414.
3.4 Refund and precomputed-charge hold
Section 28-42-307 contains a general unearned-finance-charge rebate structure for qualifying precomputed transactions, with its own exceptions, minimum-charge rules, accelerated-judgment provision, and additional incorporations. The complete body was read, but no rebate formula was calculated. [C022.] Justia Law
Three distinctions remain:
- The express payday rescission right controls its own no-cost branch.
- Check redemption uses the full check amount.
- General prepayment/rebate law requires a qualifying transaction and reconciliation with § 412’s special fee language.
Neither a blanket prorated-refund entitlement nor a blanket “never refundable after the transaction date” rule is established.
4. Dishonored payment, default, assignment, wages, and collection charges
4.1 Product-specific dishonor restriction
The payday provision permits only § 28-22-105 charges that are disclosed in the loan agreement when the check is returned unpaid by the payor institution. It prohibits treble damages and carries the specified restriction into third-party collection. [C023.] Justia Law
The incorporated statute uses a UCC § 28-3-104 check. Part 4’s broader electronic definition does not automatically prove that every electronic payment falls within that separate incorporation.
4.2 Complete material § 28-22-105 qualifications
| Branch | Required conditions and consequence |
|---|---|
| Statutory interest/collection-cost route | Dishonor, the stated unpaid period, and § 106 notice; where the check does not provide for the listed charges, the text permits 12% annual interest from dishonor and collection cost capped at the lesser of $20 or check face amount. |
| Written-agreement/posted-fee alternative | The stated flat collection fee may be assessed without § 106 notice, but may not exceed $20. |
| Payday overlay | The payday loan-agreement disclosure requirement still applies; a point-of-sale sign alone is not treated as satisfying it. |
| Court attorney fees | The statute’s notice and period conditions apply; its collection-agency/small-claims exception must be preserved. |
| Justifiable stop payment | The section does not apply to a check dishonored for that reason. |
[C024.] Justia Law
The flat-fee alternative does not automatically waive conditions for every other statutory charge.
4.3 Notice of dishonor: separate events
Section 28-22-106 permits certified mail to the last-known address or regular mail supported by a retained mailing affidavit to the check address. It contains a three-day conclusive-notice provision tied to execution of that affidavit. Its prescribed notice uses fifteen days after postmark, while the actual-notice qualification in subsection (4) uses fifteen days of actual notice of dishonor. [C025.] Justia Law
Those events are not collapsed into one assumed deadline. The generic blank statutory form was read but not filled. No mailing, receipt, notice, identity presumption, or stop-payment justification is determined.
4.4 Civil debt, criminal threats, and default
The payday text prohibits criminal threats arising from a payment deficit and unfair or deceptive payday-business conduct. It does not adjudicate whether unrelated conduct satisfies an offense, nor does a returned payment alone establish fraud. [C026.]
For the applicable regulated-consumer-credit branch, § 28-45-107 restricts contractual default to required-payment failure or significant impairment of payment, performance, or realization of collateral, with the creditor bearing the specified impairment burden. Section 28-45-301 limits default charges to those authorized by the Act, apart from its stated security-realization qualification. That exception does not authorize otherwise prohibited payday collateral. [C027.] Justia Law+1
4.5 Wage assignments, confession of judgment, and attorney fees
| Provision | Narrow finding |
|---|---|
| § 28-43-304 | The prohibited earnings assignment is distinct from a qualifying revocable earnings-deduction authorization. The latter requires the specified copy and conspicuous revocation notice. |
| § 28-43-305 | The defined confession-of-judgment authorization is prohibited and void. |
| § 28-43-311 | A regulated consumer loan agreement with principal of $1,000 or less may not provide for the debtor’s payment of attorney fees; the prohibited term is unenforceable. |
| § 28-22-105 | A separate court-awarded dishonored-check fee branch has its own conditions. |
[C028–C029.] These provisions do not determine wage garnishment, bank-debit authorization, or an actual court award. Justia Law+2
4.6 Assignment notice and payment records
Section 28-43-202 identifies when assignment notice changes the payment recipient and requires seasonable reasonable proof upon request. It does not establish that an asserted assignee owns the obligation.
The § 28-45-302 seller-assignee claims-and-defenses rule is expressly a consumer-credit-sale branch; it is not automatically imported into a standalone payday loan. [C030.] Justia Law+1
The payment-receipt provision was recovered only in a 2022 reproduction. It addresses free cash/coin receipts, specified periodic-statement treatment, requested twelve-month payment information, one free statement per year, and acknowledgment of full payment on request outside open-end credit. Its general additional-statement charge is not treated as a newly authorized payday fee. [C031.] Justia Law
5. Disclosure, administration, remedies, and nonwaiver
5.1 Payday disclosures
Before disbursement, § 28-46-415 requires the prescribed written disclosures in at least twelve-point, bold, capitalized text. The six topics concern short-term use, renewal fees, rescission, high cost and alternatives, written complaints to the Department, and the annual EPP opportunity. [C032.] Justia Law
A required complaint-address disclosure is not an accepted complaint, proof of violation, regulator adjudication, or preservation of every possible claim.
5.2 Regulator and records
| Provision | Generic duty or power | Limit |
|---|---|---|
| § 28-46-103 | Administrator is the Director of the Department of Finance. | Institutional role only. |
| § 28-46-407 | Notice/hearing-based suspension or revocation on the listed grounds. | No actual violation or license action. |
| § 28-46-408 | Written event reporting within fifteen days for the specified events and persons. | Not every event concerning every affiliate; the statute’s ownership/role conditions matter. |
| § 28-46-409 | GAAP records, reasonable availability, access, and composite annual reporting. | The “need not preserve more than two years after due date” wording is not a universal destruction authorization overriding other law. |
| § 28-46-410 | Examination/investigation, record access, costs, and subpoena/court-enforcement powers. | Not an actual examination or record request. |
| § 28-46-411 | Administrative Procedure Act applies except where otherwise provided. | Full APA hearing, review, and remedy law was not completed. |
[C033–C035.] Justia Law+4
5.3 Remedies must be matched to the violation
Section 28-45-201 separates several branches:
| Branch | Consequence | Qualification |
|---|---|---|
| Enumerated violations | Actual damages and the specified nonclass penalty range | Not every payday violation automatically fits every listed incorporation. |
| Excess charge | Not owed; refund may reduce the obligation; specified direct-collecting assignee liability | The lawful amount must first be established. |
| Excess charge or delayed refund | Separate nonclass penalty branch, including its demand/reasonable-time condition | Thirty days is a presumption in that branch, not every refund deadline. |
| Effect on debt | Ordinarily does not impair rights on the debt except as otherwise provided | The specific payday unlicensed-loan rule is not erased. |
| Timely self-correction | Conditional protection from the specified penalties | Not a universal cure of all consequences. |
| Bona fide error | Statutory intent, procedures, and burden requirements | No actual defense found. |
| Successful statutory violation finding | Court-awarded costs and attorney fees under subsection (8) | No guaranteed recovery or accepted claim. |
[C036–C039.] Justia Law
The special remedy periods are registered below only as necessary conditions of these remedies; ordinary debt limitation law was not rerun.
5.4 Disclosure remedies and nonwaiver
Section 28-43-201 incorporates federal disclosure compliance only for transactions to which the defined federal law applies. The recovered 2024 § 28-45-203 reproduction has its own civil-disclosure, timing, alternative-liability, and final-judgment qualifications. It does not create universal federal rescission for every payday loan. [C040.] Justia Law+1
Section 28-41-106 limits waiver while preserving its stated good-faith settlement and compromise branches and court scrutiny of unconscionable settlements. Section 28-41-105 supplies severability. Neither validates an actual agreement. [C041.] Justia Law+1
6. Rule status and enactment/currentness
| Evidence | What was actually established | Limit |
|---|---|---|
| 2003 official IDOF release | Historical agency description of the payday licensing regime beginning July 1, 2003 | Not the original enacted body or proof of current wording |
| 2014 S1314 | Introduced legislative text adding EPP/disclosure rules and modifying payday practices; secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014 | Final official session law was not recovered |
| 2014 official IDOF release | Agency stated July 1, 2014 implementation | Guidance does not substitute for enacted text |
| 2020 EPP guidance | Agency’s first-payment interpretation; replaces the 2014 guidance | Nonbinding interpretation, including a heading citation discrepancy |
| Official IDAPA index | IDAPA 12.01.09 recorded as expired March 31, 2022 | Not an exhaustive audit of every later rule/order |
| § 28-41-302 | Federal Consumer Credit Protection Act incorporation uses January 1, 2005 or a later rule-adopted date | A later valid adopted date was not authenticated |
| 2024 rate-cap proposal lead | Secondary discovery indicated a failed proposal | No proposed cap imported into law |
| 2025/2026 currentness searches | No authenticated replacement enactment was recovered | Search silence is not proof of no change |
[C042–C043.] Department of Finance+4
7. Narrow federal finding and exact federal holds
7.1 Regulation Z: the state label does not control federal classification
The current-published official Regulation Z interpretation expressly addresses deferred-check/payday arrangements and electronic account-debit substitutes. Such deferral is credit; a fee can be a finance charge under § 1026.4 regardless of its state-law label.
That conclusion remains conditional on Regulation Z’s consumer-credit, creditor, purpose, coverage, and exemption predicates. The relevant operative definitions, exemptions, and complete § 1026.4 were read. No actual creditor status, APR, disclosure sufficiency, or federal liability was determined. [C044.] Consumer Financial Protection Bureau+3
The eCFR displayed currency through October 26, 2026 and a Title 12 last-amended date of October 23, 2026. Those are not the effective date of the payday commentary or proof that every unrelated amendment’s legal status was audited.
7.2 Other regimes remain explicit dependencies
| Regime | Exact generic authority inquiry | No positive conclusion made here |
|---|---|---|
| Full TILA disclosures/APR | 12 C.F.R. §§ 1026.17, 1026.18, 1026.22 and applicable definitions/appendices | No APR conversion, disclosure calendar, or actual rescission right |
| Military Lending Act | 10 U.S.C. § 987; 32 C.F.R. §§ 232.3–232.6, 232.8 and current exceptions | No covered-borrower finding or military-rate calculation |
| Electronic payments | EFTA and 12 C.F.R. §§ 1005.3, 1005.10 and relevant authorization/error provisions | No valid debit, irrevocability, compulsory-use, or stop-payment determination |
| Federal payday payment rules | 12 C.F.R. Part 1041, especially §§ 1041.2, .3, .8, .9, .12 and current legal status | Idaho’s two-representment rule is not equated with a federal attempt rule |
| Bank/preemption | 12 U.S.C. §§ 85, 86, 1831d and applicable federal regulations | State licensing exemption is not federal preemption |
| Bankruptcy | Applicable stay, discharge, claim, and avoidance provisions | No collectible-balance or payment permission |
| Tribal/interstate/local | Sovereignty, jurisdiction, governing-law, and local-authority provisions | No immunity, nationwide authorization, or favorable-law choice |
| Privacy | Applicable GLBA/Regulation P and state privacy rules | No authority to access or disclose records |
| Federal collection/reporting | FDCPA/Regulation F and FCRA coverage, exclusions, and operative provisions | No actual collector/reporting status or liability |
[C045.] These are held dependencies, not broad federal summaries.
8. Source and usage register
All fresh access occurred October 28, 2026, Pacific time. Short source IDs below carry the prefix S_ID-P12-.
S001 — fresh failure record
| Literal URL | Actual observation |
|---|---|
| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401 | Restricted official section route |
| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412 | Restricted official section route |
| https://www.legislature.idaho.gov/legislation/2014/S1314.htm | Historical official route failed |
| https://www.legislature.idaho.gov/legislation/2014/S1314.pdf | Visible ordinary bill link failed |
| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/ | 2025 body not recovered; older edition identified separately |
| https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html | Access denied |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/ | 2025 body not recovered; 2024 edition identified separately |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Initial transient failure; later readable body recovered |
No failure was treated as repeal, absence of a protection, or evidence that wording remained unchanged.
S002–S004 — official Idaho operational and legal-status pages
| Source | Issuer/title/literal URL | Actual read and limitation |
|---|---|---|
| S002 | IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/ | Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text. |
| S003 | IDOF, Guidance — https://www.finance.idaho.gov/legal/guidance/ | Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date. |
| S004 | IDOF, Consumer Credit — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/ | Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied. |
S005 — 2025 Idaho Code reproduction: statutory usage register
Publisher: Justia. Status: Secondary 2025 reproduction with currentness disclaimer. This is one publication family; section uses are not independent corroboration.
S005-A. Payday Part 4
All listed section bodies and displayed histories were read completely.
Sections 403–406 were not used to complete an application, bond, approval, or renewal investigation.
S005-B. Scope, definitions, nonwaiver, and licensing cross-references
| Literal URL | Read bounds | Displayed history/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Complete severability | 1983 ch.119 §3 p.265 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ | Complete section; reliance on waiver/settlement branches | 1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ | Complete (1)–(9) | 1983 p.267; amendments through 2014 ch.97 §10 p.273 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/ | Complete exclusions | 1983 p.268 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/ | Complete purpose/scope provision | 1983 p.268; 1994 ch.185 §5 p.606 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/ | Complete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization | 1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed. |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/ | Complete federal-law incorporation | 1983 p.275; amendments through 2005 ch.263 §1 p.808 |
| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/ | Complete administrator definition | 1983 p.300 |
| https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/ | Complete licensing/exemption provision, read only for incorporated boundary | 1983 p.307; amendments through 2013 ch.54 §3 p.114 |
S005-C. Charges, prepayment, disclosure, and agreement restrictions
The general delinquency-charge provision, § 28-42-301, was partially inspected as a lead. It was not used to authorize a payday late fee.
S005-D. Remedies and default
| Literal URL | Read bounds | Displayed credit/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/ | Complete scope | 1983 p.294 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ | Complete unconscionability section | 1983 p.295; no actual agreement assessment |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ | Complete default limitation | 1983 p.296 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/ | Complete (1)–(8); employment-remedy subsection read but not applied | 1983 p.296; 2002 ch.301 §3 p.860 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/ | Complete default-charge restriction | 1983 p.298 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/ | Complete (1)–(3), used to distinguish consumer-credit sales | 1983 p.299; no extension to every loan |
S005-E. Dishonored-check incorporations
| Literal URL | Read bounds | Displayed credit/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/ | Complete notice/charge/court-fee/stop-payment provision | 1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834 |
| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/ | Complete (1)–(5), including wholly blank statutory notice/affidavit text | 1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835 |
| https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/ | Complete (1)–(11); reliance on check/demand-draft distinctions | 1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held. |
| https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/ | Complete body read to understand §105’s attorney-fee exclusion | Displayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans. |
The default-interest section § 28-22-104 was opened as a lead but not relied on to supply payday interest.
S006 — older receipt/account-statement reproduction
URL: https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/
Read: Complete (1)–(3). Edition/status: 2022 secondary reproduction, not 2025/current official text. Credit: 1983 ch.119 §3 p.282. Limit: Additional statement-charge interaction and currentness remain held.
S007 — older disclosure-remedy reproduction
URL: https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/
Read: Complete (1)–(4). Edition/status: 2024 secondary reproduction. Credit: 1983 ch.119 §3 p.298. Limit: Defined federal-law version and incorporated substantive defenses/rights are not assumed to be identical to current federal law.
S008 — official EPP interpretation
Issuer/title: Idaho Department of Finance, Payday Extended Payment Plans, July 1, 2020. URL: https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf
Read: Complete three-page generic guidance. Pixels: Printed pages 1–3, PDF indices 0–2, inspected. Status: Official guidance replacing October 9, 2014 guidance; not enacted text. Heading §28-46-114/body §28-46-414 discrepancy preserved.
S009 — official 2014 implementation release
Issuer/title: IDOF, Payday Loan Act Changes, June 30, 2014. URL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2014/PressRel-Payday-Loan-Act-Changes.pdf
Read: Selected generic first-page legislative/implementation text. Pixels: Printed page 1/PDF index 0. Limit: Official historical explanation of July 1, 2014 implementation; statistics and attached material were not used as operative authority.
S010 — 2014 legislative text and status
- https://legiscan.com/ID/text/S1314/id/952520/Idaho-2014-S1314-Introduced.pdf
- https://legiscan.com/ID/bill/S1314/2014
Read: Complete operative §§1–5 of the five-page introduced bill; status/header/history only. Pixels: Printed page 4/PDF index 3 inspected. Status: Introduced-version mirror. Secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014. No final official act or original effective clause was recovered. No sponsor, roster, or individual-vote inquiry.
S011 — official 2003 implementation release
Issuer/title: IDOF, Law Changes, June 30, 2003. URL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf
Read: Selected payday-law paragraph on printed page 2. Pixels: Printed page 2/PDF index 1. Status: Official historical explanation of July 1, 2003 implementation; unrelated sectors not investigated.
S012 — official administrative-rule status
Issuer/title: Idaho administrative-rules cumulative index, IDAPA 12. URL: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf
Read: Relevant IDAPA 12.01.09 entries and surrounding status context. Pixels: Printed page 3/PDF index 2. Finding: Expiration recorded as March 31, 2022. Limit: Archived rule body and exhaustive later-replacement audit not completed; no current incorporation date inferred.
S013 — Regulation Z operative text
Publisher: eCFR; authoritative but unofficial.
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4
Read: Complete material §1026.1(c); necessary complete consumer-credit, creditor, transaction, and open-end definitions in §1026.2; complete operative exemptions in §1026.3; complete §1026.4(a)–(f).
Currency: Displayed through October 26, 2026; Title 12 last amended October 23, 2026. Credits: §1026.4 displays 76 FR 79772, December 22, 2011, and later 2016/2024 amendments. Original amendment/status chains for unrelated prepaid/overdraft branches were not reconstructed. No such product branch is applied.
S014 — official Regulation Z interpretation
Issuer: CFPB, official interpretations to Regulation Z. URL: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
Read: Complete comment 2(a)(14)-2, “Payday loans,” with necessary scope definitions from S013. Limit: Supports the narrow federal classification proposition, not a complete federal payday report, current APR computation, or actual creditor finding. The original adoption/effective chain of that commentary was not separately reconstructed.
S015 — discovery-only federal and proposal locators
| URL | Status |
|---|---|
| https://www.consumerfinance.gov/rules-policy/regulations/1041/ | Official locator discovered; complete operative body/current status not analyzed |
| https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/ | Official compliance locator discovered; not a positive federal payment-rule finding |
| https://legiscan.com/ID/bill/S1285/2024 | Secondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report |
| https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf | Historical commentary-adoption lead discovered; body not opened or used as enacted-current evidence |
9. Atomic consequential-claim register
Short claims carry the prefix S_ID-P12-.
| Claim | Precise proposition | Source/pinpoint | Status/limit |
|---|---|---|---|
| C001 | Official current Idaho statutory authentication remains unresolved. | S001–S005 | Source gap, not no-law finding |
| C002 | Payday classification uses the defined deferred-check arrangement and electronic extension. | S005-A §401 | P |
| C003 | Consumer purpose and listed Credit Code exclusions remain material. | S005-B §§202,204,301 | P/H |
| C004 | Idaho nexus and choice-of-law rules have distinct predicates. | S005-B §201 | P; no actual situs |
| C005 | Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions. | §§401–402,46-301 | P/H |
| C006 | The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers. | §402(3)–(4) | P; no actual violation |
| C007 | Written payday agreement and fee disclosures have mandatory content. | §412(1),(4); §415 | P |
| C008 | Individual and same/common-control aggregate principal restrictions are distinct. | §§412(2),413(1) | P |
| C009 | Income limit and evidence/representation provisions must be read together. | §413(2)–(4) | P |
| C010 | Collateral and representment restrictions do not establish federal debit permission. | §§412(5),(8),413(10) | P/H |
| C011 | Fee permission is constrained by the special no-other-charge rule. | §412(3); §42-201 | P |
| C012 | The state fee label does not decide federal finance-charge status. | §412(3); S013–S014 | P/E/O |
| C013 | Proceeds-access charges and repayment methods have separate statutory limits. | §412(5)–(7) | P |
| C014 | General installment-term text cannot be ignored, but its payday reconciliation remains held. | §43-310; §46-401 | P/H |
| C015 | No statewide unrelated-lender aggregation or automatic fee/base equivalence was established. | §§412–413 | Bounded reading |
| C016 | Renewals, new-proceeds repayment, and completion are different restrictions/events. | §413(5),(9) | P |
| C017 | Rescission requires timely principal tender and is no-cost. | §413(12) | P; no calendar |
| C018 | Check redemption differs from rescission and general prepayment. | §412(5); §42-306 | P |
| C019 | EPP request frequency, execution, schedule and amount conditions are statutory. | §414 introductory text,(1)–(3) | P |
| C020 | EPP fee/default/collection rules retain the dishonor exception. | §414(4)–(5) | P |
| C021 | First-payment timing beyond the statutory schedule is recorded as agency guidance. | S008 | O guidance, not enactment |
| C022 | Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission. | §42-307; §412(3) | P/H |
| C023 | Payday dishonor charges require disclosure; treble damages are barred. | §413(6) | P |
| C024 | §22-105’s charge routes and stop-payment/court-fee exceptions are conditional. | S005-E §105 | P/H |
| C025 | Dishonor mailing, affidavit, postmark and actual-notice events differ. | S005-E §106 | P |
| C026 | Payment deficit does not authorize criminal threats; unfair/deceptive practices are prohibited. | §413(7)–(8) | P |
| C027 | Default and default charges require their own statutory basis. | §§45-107,45-301 | P |
| C028 | Wage assignments and revocable deductions are distinct; confession terms are prohibited. | §§43-304–305 | P |
| C029 | Small-loan contractual attorney fees differ from conditional court-awarded check fees. | §43-311; §22-105 | P/H |
| C030 | Assignment notice/proof does not establish ownership; sale-assignee rules are not universal loan rules. | §§43-202,45-302 | P |
| C031 | Receipt/statement duties are supported only by the older recovered edition. | S006 | P, 2022 |
| C032 | Predisbursement warning text does not establish accepted complaints or relief. | §415 | P |
| C033 | Suspension, reporting and examination powers have statutory predicates. | §§407–411;46-103 | P |
| C034 | Record retention wording is not universal destruction permission. | §409 | P |
| C035 | Administrative procedure and cost provisions do not decide an actual examination or remedy. | §§410–411 | P/H |
| C036 | Enumerated civil penalties are not automatic for every payday violation. | §45-201(1),(3) | P |
| C037 | Excess charges have specified nonpayment/refund and assignee consequences. | §45-201(2) | P |
| C038 | General debt-preservation text remains subject to specific contrary provisions. | §45-201(4); §46-402 | P |
| C039 | Correction, bona fide error, and court-fee provisions qualify remedy analysis. | §45-201(6)–(8) | P |
| C040 | State disclosure remedies use a defined federal incorporation and separate conditions. | §43-201; S007; §41-302 | P/H |
| C041 | Nonwaiver, settlement exceptions and severability have independent scope. | §§41-105–106 | P |
| C042 | Expired rule status does not establish a current later federal incorporation date. | S012; §41-302 | O/P/H |
| C043 | Historical agency releases and bill mirrors do not authenticate the whole current law. | S008–S011 | Historical/source limit |
| C044 | Conditional federal payday finance-charge classification was read from operative scope and official commentary. | S013–S014 | E/O |
| C045 | Other federal/special regimes remain precise dependencies. | Section7.2; S015 | H |
| C046 | No universal counting convention, actual fee, APR, payment or deadline was established. | Quantity/read registers | H |
| C047 | No actual or invented consumer, lender, account, agreement, payment or case was examined. | Research record | Certain |
| C048 | Earlier C033/C035 and unrelated findings remain unchanged. | Supplied scope only | No acceptance by implication |
10. Quantities, bases, reference events, and unknowns
| Quantity or relation | Source/base/event | Qualification |
|---|---|---|
| $1,000 maximum | Individual principal, §412 | Not check face or net proceeds by assumption |
| $1,000 aggregate principal, plus allowable fees | Same/common-control outstanding loans, §413(1) | Not all unrelated lenders |
| 25% | Gross monthly income when loan made | Statutory evidence/representation condition |
| At least once every twelve months | Income-information refresh | Not each renewal by invented rule |
| Dollar fee per $100 | Posted fee unit | Not a fee cap |
| One postdated check | Security for described loan | Other collateral prohibited |
| Two electronic representments | §412(8) | Not automatically total attempts or federal compliance |
| Three consecutive renewals maximum | §413(9) | Full repayment thereafter; other restrictions remain |
| Presentation/deposit or redemption | Special completion event | Not final clearance by assumption |
| Next business day, prior to close | Rescission tender after making | Business-day definition/counting held |
| Principal only; no cost | Rescission | Different from full-check redemption |
| Before presentment/deposit | Check redemption | Full check amount |
| Once in consecutive twelve months | EPP opportunity | More than once not required |
| No later than due day | Written EPP execution | Not merely an uncompleted request |
| At least four equal payments | EPP schedule | No payment amount calculated |
| At least sixty days | EPP duration | No actual start/end schedule |
| No greater than original amount owed | EPP obligation | Not debt cancellation |
| Greater of original loan period or two weeks | Guidance first-payment interval after entering EPP | Nonbinding interpretation, not §414 text |
| Principal ≤$1,000; not open-end | §43-310 scope | Payday-specific interaction held |
| More than $300 / $300 or less | General term branches | Strict versus inclusive boundary preserved |
| Thirty-seven / twenty-five months | General maximum terms | Not declared the resolved payday schedule |
| Principal ≤$1,000 | Contractual attorney-fee prohibition | Court-statute distinction remains |
| 12% annually from dishonor | Conditional §22-105 branch | Not ordinary payday interest |
| Lesser of $20 or check face | Statutory collection-cost route | Required notice/contract conditions |
| No more than $20 | Alternate flat collection fee | Payday disclosure overlay still applies |
| Fifteen days | §105 unpaid/notice conditions | Not merged with every §106 event |
| Fifteen days after postmark | Prescribed dishonor notice | Form read but unfilled |
| Three days after affidavit execution | Statutory conclusive-notice provision | Separate from actual-notice qualification |
| Fifteen days actual notice | §106(4) nonreceipt qualification | No actual event |
| No treble damages | Payday-specific restriction | General small-claims amounts not imported |
| Fifteen days | Report listed §408 events | Role and ownership predicates apply |
| At least 25% equity ownership | Specified event-reporting persons | Not a borrower rule |
| Two years after due date | §409 “need not preserve more than” wording | Other retention laws may apply |
| May 31 | Composite prior-calendar-year report | No actual filing |
| Thirty days after demand | Examination-cost payment provision | Not consumer repayment |
| July 1 annually | Administrator’s examination-rate setting | No rate amount supplied |
| Preceding twelve months / end-period balance | Requested statement under older §204 | Currentness held |
| One free statement each year; additional ≤$10 | Older §204 | Payday extra-fee interaction held |
| $100–$1,000 | Specified nonclass §45-201 penalties | Enumerated violations and defenses |
| Two years | Specified open-end remedy periods | Not ordinary debt limitation |
| One year after scheduled/accelerated maturity | Specified non-open-end remedy periods | No actual deadline |
| Thirty-day presumption | Reasonable refund time after demand in §201(3) | Not every refund deadline |
| Forty-five days after creditor notice | Conditional penalty-correction period | Must precede stated debtor notice/action conditions |
| One year from violation | Older §45-203 disclosure action | Incorporated federal law and alternative-liability rules |
| January 1, 2005 or later adopted date | State federal-law definition | Later valid rule date not authenticated |
| March 31, 2022 | IDAPA12.01.09 expiration | No current replacement inferred |
| July 1, 2003 / July 1, 2014 | Historical implementation statements | Final enactment chains remain incomplete |
| July 1, 2020 | EPP guidance date | Not statutory amendment date |
| More than four installments / regular-credit criteria | Narrow Regulation Z scope predicates read | No actual creditor determination |
| More than twenty-five extensions | Relevant generic Regulation Z regularity branch | Calendar and exception qualifications; no count performed |
| October 26, 2026 | eCFR current-through display | Not clause-effective date |
| Unknown | Actual agreement date, due date, income base application, request, execution, dishonor, mailing, receipt, default, refund, assignment | None supplied or calculated |
The numerical actuarial, deferral, insurance, and historical rebate mechanics contained in § 28-42-307 were read but not adopted as a payday calculation. Their unresolved incorporations are not converted into applicable quantities.
11. Conditional branches and next generic inquiries
| Branch | Required predicate | Supported consequence | Inference to avoid | Exact next generic inquiry |
|---|---|---|---|---|
| B01—payday category | Defined deferred-check/electronic arrangement | Part4 framework | Every small or short loan is payday | Official current §401 and definitions |
| B02—consumer purpose | Credit Code purpose and exclusions | Correct incorporated protections | Label alone decides | Complete generic classification construction |
| B03—Idaho nexus | Territorial statutory connection | Relevant Idaho branch | Online or out-of-state location automatically excludes | Official §201 and jurisdiction law |
| B04—institution exemption | Exact authorized/supervised status | Licensing exception only as written | Exempt from all law | Incorporated institutional definitions/federal law |
| B05—unlicensed loan | Loan made in Idaho violating required license | Specific voidness/recovery provision | Every technical breach voids principal | Official §402; no entity inquiry |
| B06—amount limits | Correct principal/loan/income/aggregate bases | Statutory limits | Check face and net proceeds interchangeable | Generic base construction |
| B07—fee | Permitted payday charge and no prohibition | Conditional fee rule | No numeric cap means unlimited legality | Official current law and special federal rules |
| B08—term | Non-open-end consumer-loan branch and special payday provisions | General text remains relevant | Universal no-term-cap or resolved installment schedule | Reconcile §§43-310 and46-412/414 |
| B09—renewal | Consecutive-renewal and completion facts | Count and repayment restrictions | New paperwork evades them | Generic completion/renewal construction |
| B10—rescission | Timely specified principal tender | No-cost statutory branch | Notice alone or a universal three-day right | Business-day/tender construction |
| B11—redemption/prepayment | Applicable event and transaction classification | Distinct early-payment rights | All early payments have same fee treatment | Reconcile §§412,42-306/307 |
| B12—EPP | Timely request/executed writing and annual availability | Mandatory qualified plan | Unlimited plans or balance forgiveness | Official §414 and first-payment interpretation |
| B13—EPP default | Valid default under plan and applicable law | Termination/acceleration branch | New fees or criminal action follow | Default/charge interaction |
| B14—dishonored check | Qualifying check, return, disclosure, notice and exceptions | Limited charges | Every failed debit is fraud or a UCC check | Complete payment-law incorporation if needed |
| B15—assignment | Valid transfer and statutory notice/proof | Recipient/assignee consequences | Assignment proves ownership or erases defenses | Generic assignment law |
| B16—earnings authorization | Revocable authorization and required copy/notice | Narrow exception | Irrevocable wage assignment or bank debit authority | Complete applicable authorization regime |
| B17—records/receipts | Applicable actor and request/payment event | Statutory records duties | Old edition or generic fee authorizes payday charge | Current §204 and fee interaction |
| B18—civil remedies | Exact violation, timing and statutory defenses | Conditional remedies | Automatic penalty or principal cancellation | Official remedy text and construction |
| B19—disclosure law | Defined federal incorporation and federal scope | Conditional disclosure duty | Current federal text automatically equals state adoption | Valid later adoption rule and §203 |
| B20—federal payment/MLA | Complete federal scope and exclusions | No result yet | State compliance proves federal compliance | Exact Parts1041,1005,232 and current status |
| B21—bank/tribal/interstate | Governing jurisdiction and federal status | Held branch | Blanket immunity/preemption | Generic federal/tribal/conflicts authority |
| B22—currency | Official operative bodies and final amendments | Exact gap can close | Old guide, title, or failed search proves current law | Ordinary official publication recovery |
12. Wholly blank analytical worksheet
| Field | Entry |
|---|---|
| Product definition | |
| Governing authority and edition | |
| Official-current-text status | |
| Consumer-purpose predicate | |
| Territorial predicate | |
| Licensing category | |
| Institutional exemption | |
| Principal definition | |
| Check-face distinction | |
| Aggregate condition | |
| Income-condition provision | |
| Fee authority | |
| Additional-charge restriction | |
| APR/disclosure provision | |
| Term/schedule incorporation | |
| Renewal provision | |
| New-proceeds restriction | |
| Rescission trigger | |
| Redemption trigger | |
| Prepayment/refund dependency | |
| EPP frequency | |
| EPP execution requirement | |
| EPP schedule provision | |
| EPP default consequence | |
| Dishonor definition | |
| Notice method and event | |
| Criminal-threat restriction | |
| Assignment provision | |
| Earnings-authorization restriction | |
| Record/receipt provision | |
| Civil-remedy predicate | |
| Correction/error qualification | |
| Federal scope dependency | |
| Unread incorporation | |
| Missing primary evidence | |
| Review status |
No field is completed.
13. Granular coverage and retained scope
| Requested issue | Disposition | Claims/sources/branches | Remaining dependency |
|---|---|---|---|
| 1—current product classification | Provisionally established | C002–C005; S005; B01–B04 | Official current bodies |
| Complete definitions/exclusions | Necessary text read | C003–C005 | External institution and purpose construction |
| Territorial/online scope | Conditional text read | C004 | No actual jurisdiction |
| Licensed versus exempt actors | Distinguished | C005–C006 | No license lookup or authority finding |
| Other small/installment/title loans | Not conflated | C002,C014 | Separate sectors excluded |
| 2—principal/aggregate/income | Source-stated limits registered | C007–C010 | Base and currentness dependencies |
| Fee/interest/APR distinctions | Established narrowly | C011–C012,C044 | No actual charge/APR determination |
| Security/payment mechanisms | Conditional rules read | C010,C013 | Federal authorization held |
| Term | Material incorporation read; interaction held | C014; B08 | Official construction |
| Amendment/effectiveness | Historical evidence recorded | C042–C043 | Final official enactments/current chain |
| No-cap inference | Rejected | C011 | Other law and official-current verification |
| 3—renewals/successive loans | Provisionally answered | C016 | Actual count/completion absent |
| EPP | Complete statutory branch read | C019–C021 | Guidance versus law preserved |
| Rescission | Complete operative branch read | C017 | Business-day/tender construction |
| Redemption/prepayment/refund | Distinguished; rebate interaction held | C018,C022 | No blanket refund conclusion |
| Default/collection during plan | Conditional text read | C020,C027 | Actual default absent |
| 4—dishonor charges | Complete material incorporated clauses read | C023–C025 | UCC/electronic applicability |
| Criminal threat/fraud | Distinguished | C026 | No offense or actual communication |
| Assignment/holder rights | Narrowly addressed | C030 | Ownership and general holder law held |
| Wage/security/bank authorization | Separated | C010,C028 | Garnishment, EFTA and other regimes excluded |
| Collection attorney fees | Contract/statute distinction preserved | C029 | No court award |
| 5—regulator powers | Narrow powers read | C033–C035 | Full APA/process/remedies held |
| Records/disclosures | Read with edition limits | C007,C031–C034 | Current §204 and federal content |
| Civil remedies | Conditional branches read | C036–C040 | Exact violation/standing/construction |
| Nonwaiver/severability | Read | C041 | No actual settlement |
| Complaint locator | Disclosure only | C032 | No complaint intake or acceptance |
| 6—Regulation Z | Narrow positive classification only | C044; S013–S014 | Full disclosure/APR rules excluded |
| MLA/payment rules/bank preemption | Precise dependencies | C045 | Complete operative bodies/status later |
| Bankruptcy/tribal/local/privacy/collection | Held | B20–B21 | Separate generic inquiry |
| 7—literal sources/read bounds | Visibly registered | Section8 | Official statutory gaps remain |
| Dates/quantities/counting | Registered | Section10 | No calendar or computation |
| Conditional branches | Supplied | Section11 | No actual outcome |
| Blank worksheet | Supplied unfilled | Section12 | No facts inserted |
| Read/failure/self-check | Supplied | Section14 | Not independent review |
| C033/C035 and prior reports | Unchanged | C048 | No earlier acceptance implied |
| Dimension6/7, Idaho, A066, parent | Not accepted complete | All findings | Exact currentness and incorporation gaps |
14. Read/search/failure log and researcher self-check
Actual research performed
| Material | Read scope |
|---|---|
| Payday statutes | Complete §§401–402 and407–415 in the 2025 reproduction |
| Consumer-credit incorporations | Complete or expressly bounded definitions, scope, fee, term, prepayment, assignment, wage, default, and remedy provisions listed in S005 |
| Older provisions | Complete 2022 receipt section and 2024 disclosure-remedy section, not promoted to current law |
| Dishonored-payment law | Complete material §§22-105/106 and necessary check/small-claims bodies; no actual check or offense |
| Official Idaho materials | Legal-status pages, selected historical releases, complete EPP guidance, relevant rule-index entry |
| Legislative mirror | Complete operative 2014 bill text and generic history; no final-act claim |
| Federal law | Necessary Regulation Z scope/definitions/exemptions, complete finance-charge section, and official payday interpretation |
| Currentness search | Generic official-focused 2025/2026 searches; no absence-of-amendment conclusion |
| Cases, opinions, actual lenders, rosters, policies, agreements, accounts, completed forms | Not investigated |
| Prior local reports or linked conversations | Not opened or claimed as fresh evidence |
PDF text versus page pixels
| Document | Parsed read | Pixels inspected |
|---|---|---|
| 2020 EPP guidance | Complete three pages | Printed1–3 / indices0–2 |
| 2014 IDOF release | Selected first-page legal explanation | Printed1 / index0 |
| 2003 IDOF release | Selected payday paragraph | Printed2 / index1 |
| 2014 S1314 mirror | Complete operative five-page bill | Printed4 / index3 |
| Official IDAPA index | Relevant 12.01.09 entries | Printed3 / index2 |
Parsed text was not represented as visual inspection of unviewed pages. Multiple formats were not counted as independent corroboration.
Exact remaining gaps
The principal open dependencies are:
- Official-current Idaho text and final enactment authentication, including any later amendments.
- General/special provision reconciliation for installment terms, precomputed refunds, and certain additional statement or collection charges.
- State federal-law incorporation date, given § 28-41-302 and the recorded expiration of IDAPA 12.01.09.
- Older-edition provisions, particularly §§ 28-43-204 and 28-45-203.
- Federal and special-regime applicability, including MLA, EFTA/Regulation E, Part 1041, federal-bank law, bankruptcy, tribal/interstate/local law, privacy, and federal collection/reporting.
- Judicial construction and actual predicates, which were deliberately not resolved through cases, records, or invented facts.
No principal substitution, APR conversion, amortization, loan-cost comparison, payment calculation, deadline calculation, form completion, application, request, election, repayment, debit, collection action, complaint, or filing was performed.
This is a researcher self-check, not independent review. The focused payday component is materially researched but remains partial and conditional at the identified source, version, and incorporation gaps. Earlier findings and holds remain preserved. No Idaho, dimension6/7, A066, parent, operational, lending, collection, or publication acceptance follows.
END S_ID PASS-12.
Every captured table
Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Read the related correction supplements
These components repair their stated scope. They do not replace every other finding in this research series.
SID bounded rule-pinpoint clarification →SID Rule 40 quantity and exception completion →
Idaho: appellate history and quantity-row corrections →
Idaho: completion of appellate costs inquiry cells B07–B27 →
Idaho: appellate rehearing quantity-row correction →
Captured table 01
Category · Rule established by the read text · Boundary · 8 data rows
| Category | Rule established by the read text | Boundary |
|---|---|---|
| Payday loan | A written arrangement under which the creditor accepts the maker’s check, defers negotiation/deposit/presentment for an agreed period, and advances the check amount less the permitted fee. | A small principal amount or short maturity alone does not establish this category. |
| Check for Part 4 | Includes the stated electronic equivalent and authorization to withdraw an agreed amount from the borrower’s account. | This expanded definition does not automatically satisfy every UCC “check” incorporation. |
| Licensee | Includes a person licensed or required to be licensed under Part 4. | Lack of a license does not remove the actor from duties directed to required licensees. |
| Regulated consumer loan | Requires the applicable Credit Code loan, consumer-purpose, regulated-credit, and exclusion predicates. | A business-purpose label, internet channel, installment schedule, or bank affiliation is not conclusive. |
| Supervised financial organization | The incorporated definition concerns the described authorized and supervised loan-and-deposit institutions. | An institutional label is not proof that the definition is met. |
| License-exempt institution | Section 28-46-402 exempts specified institutions from that section’s licensing requirements. | It does not say every payday conduct provision or every federal law is inapplicable. |
| General regulated lender | Part 3 licensing and payday Part 4 licensing are distinct. | A general license is not proof of payday authorization. |
| Assignee or collector | Particular provisions reach an assignee directly collecting or enforcing, and the payday dishonor restriction expressly reaches a third-party collector. | Assignment does not itself prove ownership, lawful charges, or collection authority. |
Captured table 02
Issue · Reproduced statutory relation · Qualification · 8 data rows
| Issue | Reproduced statutory relation | Qualification |
|---|---|---|
| Individual principal | No more than $1,000 | Principal is not automatically the check face amount or net proceeds. |
| Aggregate outstanding | Same licensee and common-control persons may not exceed the stated $1,000 aggregate-principal relation, plus allowable fees | Not a verified statewide aggregate across all unrelated lenders. |
| Income relation | Payday loan may not exceed 25% of gross monthly income when made | The text says “payday loan”; no unsupported substitution of net cash, check face, or another base is made. |
| Income information | Obtained at least once every twelve months | The statute provides its own evidence-or-written-representation condition. |
| Written agreement | Borrower-signed writing with licensee name, date, principal, and total condition-of-credit fees in dollars and APR | Does not establish compliance with every federal disclosure rule. |
| Fee posting | Conspicuous dollar fee per $100 at each licensed location | The $100 figure is a disclosure unit, not a fee ceiling. |
| Security | Only the permitted borrower check; no other property, title, or evidence of ownership as collateral | Does not import title-loan or repossession rules. |
| Electronic representment | No more than two electronic representments | “Representment” is not silently rewritten as total attempts or a federal safe harbor. |
Captured table 03
Protection or restriction · Source-stated operation · What must not be substituted · 7 data rows
| Protection or restriction | Source-stated operation | What must not be substituted |
|---|---|---|
| Renewals | At most three consecutive renewals, then full repayment | Not three new loans free of the other restrictions. |
| Same/common-control refinancing | Repayment from another payday loan’s proceeds is prohibited | A new document does not evade the rule. |
| New loan after completion | Permitted by the stated clause after the prior loan is completed | Other aggregate, income, renewal, and repayment restrictions still matter. |
| Statutory completion | For the check-secured branch, presentation/deposit or borrower redemption | Not necessarily final bank clearance. |
| Rescission | No cost, before close of business on the next business day, through repayment of principal in cash or immediately available funds | Notice alone is not the stated tender condition. |
| Check redemption | Before presentment/deposit, by payment of the full check amount in immediately available form | Not the no-cost principal-only rescission right. |
| General full prepayment | Section 28-42-306 permits it without penalty, subject to § 307 | Does not itself determine the payday fee rebate. |
Captured table 04
Branch · Required conditions and consequence · 5 data rows
| Branch | Required conditions and consequence |
|---|---|
| Statutory interest/collection-cost route | Dishonor, the stated unpaid period, and § 106 notice; where the check does not provide for the listed charges, the text permits 12% annual interest from dishonor and collection cost capped at the lesser of $20 or check face amount. |
| Written-agreement/posted-fee alternative | The stated flat collection fee may be assessed without § 106 notice, but may not exceed $20. |
| Payday overlay | The payday loan-agreement disclosure requirement still applies; a point-of-sale sign alone is not treated as satisfying it. |
| Court attorney fees | The statute’s notice and period conditions apply; its collection-agency/small-claims exception must be preserved. |
| Justifiable stop payment | The section does not apply to a check dishonored for that reason. |
Captured table 05
Provision · Narrow finding · 4 data rows
| Provision | Narrow finding |
|---|---|
| § 28-43-304 | The prohibited earnings assignment is distinct from a qualifying revocable earnings-deduction authorization. The latter requires the specified copy and conspicuous revocation notice. |
| § 28-43-305 | The defined confession-of-judgment authorization is prohibited and void. |
| § 28-43-311 | A regulated consumer loan agreement with principal of $1,000 or less may not provide for the debtor’s payment of attorney fees; the prohibited term is unenforceable. |
| § 28-22-105 | A separate court-awarded dishonored-check fee branch has its own conditions. |
Captured table 06
Provision · Generic duty or power · Limit · 6 data rows
| Provision | Generic duty or power | Limit |
|---|---|---|
| § 28-46-103 | Administrator is the Director of the Department of Finance. | Institutional role only. |
| § 28-46-407 | Notice/hearing-based suspension or revocation on the listed grounds. | No actual violation or license action. |
| § 28-46-408 | Written event reporting within fifteen days for the specified events and persons. | Not every event concerning every affiliate; the statute’s ownership/role conditions matter. |
| § 28-46-409 | GAAP records, reasonable availability, access, and composite annual reporting. | The “need not preserve more than two years after due date” wording is not a universal destruction authorization overriding other law. |
| § 28-46-410 | Examination/investigation, record access, costs, and subpoena/court-enforcement powers. | Not an actual examination or record request. |
| § 28-46-411 | Administrative Procedure Act applies except where otherwise provided. | Full APA hearing, review, and remedy law was not completed. |
Captured table 07
Branch · Consequence · Qualification · 7 data rows
| Branch | Consequence | Qualification |
|---|---|---|
| Enumerated violations | Actual damages and the specified nonclass penalty range | Not every payday violation automatically fits every listed incorporation. |
| Excess charge | Not owed; refund may reduce the obligation; specified direct-collecting assignee liability | The lawful amount must first be established. |
| Excess charge or delayed refund | Separate nonclass penalty branch, including its demand/reasonable-time condition | Thirty days is a presumption in that branch, not every refund deadline. |
| Effect on debt | Ordinarily does not impair rights on the debt except as otherwise provided | The specific payday unlicensed-loan rule is not erased. |
| Timely self-correction | Conditional protection from the specified penalties | Not a universal cure of all consequences. |
| Bona fide error | Statutory intent, procedures, and burden requirements | No actual defense found. |
| Successful statutory violation finding | Court-awarded costs and attorney fees under subsection (8) | No guaranteed recovery or accepted claim. |
Captured table 08
Evidence · What was actually established · Limit · 8 data rows
| Evidence | What was actually established | Limit |
|---|---|---|
| 2003 official IDOF release | Historical agency description of the payday licensing regime beginning July 1, 2003 | Not the original enacted body or proof of current wording |
| 2014 S1314 | Introduced legislative text adding EPP/disclosure rules and modifying payday practices; secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014 | Final official session law was not recovered |
| 2014 official IDOF release | Agency stated July 1, 2014 implementation | Guidance does not substitute for enacted text |
| 2020 EPP guidance | Agency’s first-payment interpretation; replaces the 2014 guidance | Nonbinding interpretation, including a heading citation discrepancy |
| Official IDAPA index | IDAPA 12.01.09 recorded as expired March 31, 2022 | Not an exhaustive audit of every later rule/order |
| § 28-41-302 | Federal Consumer Credit Protection Act incorporation uses January 1, 2005 or a later rule-adopted date | A later valid adopted date was not authenticated |
| 2024 rate-cap proposal lead | Secondary discovery indicated a failed proposal | No proposed cap imported into law |
| 2025/2026 currentness searches | No authenticated replacement enactment was recovered | Search silence is not proof of no change |
Captured table 09
Regime · Exact generic authority inquiry · No positive conclusion made here · 9 data rows
| Regime | Exact generic authority inquiry | No positive conclusion made here |
|---|---|---|
| Full TILA disclosures/APR | 12 C.F.R. §§ 1026.17, 1026.18, 1026.22 and applicable definitions/appendices | No APR conversion, disclosure calendar, or actual rescission right |
| Military Lending Act | 10 U.S.C. § 987; 32 C.F.R. §§ 232.3–232.6, 232.8 and current exceptions | No covered-borrower finding or military-rate calculation |
| Electronic payments | EFTA and 12 C.F.R. §§ 1005.3, 1005.10 and relevant authorization/error provisions | No valid debit, irrevocability, compulsory-use, or stop-payment determination |
| Federal payday payment rules | 12 C.F.R. Part 1041, especially §§ 1041.2, .3, .8, .9, .12 and current legal status | Idaho’s two-representment rule is not equated with a federal attempt rule |
| Bank/preemption | 12 U.S.C. §§ 85, 86, 1831d and applicable federal regulations | State licensing exemption is not federal preemption |
| Bankruptcy | Applicable stay, discharge, claim, and avoidance provisions | No collectible-balance or payment permission |
| Tribal/interstate/local | Sovereignty, jurisdiction, governing-law, and local-authority provisions | No immunity, nationwide authorization, or favorable-law choice |
| Privacy | Applicable GLBA/Regulation P and state privacy rules | No authority to access or disclose records |
| Federal collection/reporting | FDCPA/Regulation F and FCRA coverage, exclusions, and operative provisions | No actual collector/reporting status or liability |
Captured table 10
Literal URL · Actual observation · 8 data rows
| Literal URL | Actual observation |
|---|---|
| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401 | Restricted official section route |
| https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412 | Restricted official section route |
| https://www.legislature.idaho.gov/legislation/2014/S1314.htm | Historical official route failed |
| https://www.legislature.idaho.gov/legislation/2014/S1314.pdf | Visible ordinary bill link failed |
| https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/ | 2025 body not recovered; older edition identified separately |
| https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html | Access denied |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/ | 2025 body not recovered; 2024 edition identified separately |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Initial transient failure; later readable body recovered |
Captured table 11
Source · Issuer/title/literal URL · Actual read and limitation · 3 data rows
| Source | Issuer/title/literal URL | Actual read and limitation |
|---|---|---|
| S002 | IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/ | Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text. |
| S003 | IDOF, Guidance — https://www.finance.idaho.gov/legal/guidance/ | Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date. |
| S004 | IDOF, Consumer Credit — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/ | Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied. |
Captured table 12
Literal URL · Exact reliance · Displayed source credit · 11 data rows
Captured table 13
Literal URL · Read bounds · Displayed history/limit · 9 data rows
| Literal URL | Read bounds | Displayed history/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ | Complete severability | 1983 ch.119 §3 p.265 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ | Complete section; reliance on waiver/settlement branches | 1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ | Complete (1)–(9) | 1983 p.267; amendments through 2014 ch.97 §10 p.273 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/ | Complete exclusions | 1983 p.268 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/ | Complete purpose/scope provision | 1983 p.268; 1994 ch.185 §5 p.606 |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/ | Complete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization | 1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed. |
| https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/ | Complete federal-law incorporation | 1983 p.275; amendments through 2005 ch.263 §1 p.808 |
| https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/ | Complete administrator definition | 1983 p.300 |
| https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/ | Complete licensing/exemption provision, read only for incorporated boundary | 1983 p.307; amendments through 2013 ch.54 §3 p.114 |
Captured table 14
Literal URL · Read bounds · Displayed credit/limit · 10 data rows
Captured table 15
Literal URL · Read bounds · Displayed credit/limit · 6 data rows
| Literal URL | Read bounds | Displayed credit/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/ | Complete scope | 1983 p.294 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ | Complete unconscionability section | 1983 p.295; no actual agreement assessment |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ | Complete default limitation | 1983 p.296 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/ | Complete (1)–(8); employment-remedy subsection read but not applied | 1983 p.296; 2002 ch.301 §3 p.860 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/ | Complete default-charge restriction | 1983 p.298 |
| https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/ | Complete (1)–(3), used to distinguish consumer-credit sales | 1983 p.299; no extension to every loan |
Captured table 16
Literal URL · Read bounds · Displayed credit/limit · 4 data rows
| Literal URL | Read bounds | Displayed credit/limit |
|---|---|---|
| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/ | Complete notice/charge/court-fee/stop-payment provision | 1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834 |
| https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/ | Complete (1)–(5), including wholly blank statutory notice/affidavit text | 1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835 |
| https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/ | Complete (1)–(11); reliance on check/demand-draft distinctions | 1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held. |
| https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/ | Complete body read to understand §105’s attorney-fee exclusion | Displayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans. |
Captured table 17
URL · Status · 4 data rows
| URL | Status |
|---|---|
| https://www.consumerfinance.gov/rules-policy/regulations/1041/ | Official locator discovered; complete operative body/current status not analyzed |
| https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/ | Official compliance locator discovered; not a positive federal payment-rule finding |
| https://legiscan.com/ID/bill/S1285/2024 | Secondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report |
| https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf | Historical commentary-adoption lead discovered; body not opened or used as enacted-current evidence |
Captured table 18
Claim · Precise proposition · Source/pinpoint · 48 data rows
| Claim | Precise proposition | Source/pinpoint | Status/limit |
|---|---|---|---|
| C001 | Official current Idaho statutory authentication remains unresolved. | S001–S005 | Source gap, not no-law finding |
| C002 | Payday classification uses the defined deferred-check arrangement and electronic extension. | S005-A §401 | P |
| C003 | Consumer purpose and listed Credit Code exclusions remain material. | S005-B §§202,204,301 | P/H |
| C004 | Idaho nexus and choice-of-law rules have distinct predicates. | S005-B §201 | P; no actual situs |
| C005 | Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions. | §§401–402,46-301 | P/H |
| C006 | The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers. | §402(3)–(4) | P; no actual violation |
| C007 | Written payday agreement and fee disclosures have mandatory content. | §412(1),(4); §415 | P |
| C008 | Individual and same/common-control aggregate principal restrictions are distinct. | §§412(2),413(1) | P |
| C009 | Income limit and evidence/representation provisions must be read together. | §413(2)–(4) | P |
| C010 | Collateral and representment restrictions do not establish federal debit permission. | §§412(5),(8),413(10) | P/H |
| C011 | Fee permission is constrained by the special no-other-charge rule. | §412(3); §42-201 | P |
| C012 | The state fee label does not decide federal finance-charge status. | §412(3); S013–S014 | P/E/O |
| C013 | Proceeds-access charges and repayment methods have separate statutory limits. | §412(5)–(7) | P |
| C014 | General installment-term text cannot be ignored, but its payday reconciliation remains held. | §43-310; §46-401 | P/H |
| C015 | No statewide unrelated-lender aggregation or automatic fee/base equivalence was established. | §§412–413 | Bounded reading |
| C016 | Renewals, new-proceeds repayment, and completion are different restrictions/events. | §413(5),(9) | P |
| C017 | Rescission requires timely principal tender and is no-cost. | §413(12) | P; no calendar |
| C018 | Check redemption differs from rescission and general prepayment. | §412(5); §42-306 | P |
| C019 | EPP request frequency, execution, schedule and amount conditions are statutory. | §414 introductory text,(1)–(3) | P |
| C020 | EPP fee/default/collection rules retain the dishonor exception. | §414(4)–(5) | P |
| C021 | First-payment timing beyond the statutory schedule is recorded as agency guidance. | S008 | O guidance, not enactment |
| C022 | Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission. | §42-307; §412(3) | P/H |
| C023 | Payday dishonor charges require disclosure; treble damages are barred. | §413(6) | P |
| C024 | §22-105’s charge routes and stop-payment/court-fee exceptions are conditional. | S005-E §105 | P/H |
| C025 | Dishonor mailing, affidavit, postmark and actual-notice events differ. | S005-E §106 | P |
| C026 | Payment deficit does not authorize criminal threats; unfair/deceptive practices are prohibited. | §413(7)–(8) | P |
| C027 | Default and default charges require their own statutory basis. | §§45-107,45-301 | P |
| C028 | Wage assignments and revocable deductions are distinct; confession terms are prohibited. | §§43-304–305 | P |
| C029 | Small-loan contractual attorney fees differ from conditional court-awarded check fees. | §43-311; §22-105 | P/H |
| C030 | Assignment notice/proof does not establish ownership; sale-assignee rules are not universal loan rules. | §§43-202,45-302 | P |
| C031 | Receipt/statement duties are supported only by the older recovered edition. | S006 | P, 2022 |
| C032 | Predisbursement warning text does not establish accepted complaints or relief. | §415 | P |
| C033 | Suspension, reporting and examination powers have statutory predicates. | §§407–411;46-103 | P |
| C034 | Record retention wording is not universal destruction permission. | §409 | P |
| C035 | Administrative procedure and cost provisions do not decide an actual examination or remedy. | §§410–411 | P/H |
| C036 | Enumerated civil penalties are not automatic for every payday violation. | §45-201(1),(3) | P |
| C037 | Excess charges have specified nonpayment/refund and assignee consequences. | §45-201(2) | P |
| C038 | General debt-preservation text remains subject to specific contrary provisions. | §45-201(4); §46-402 | P |
| C039 | Correction, bona fide error, and court-fee provisions qualify remedy analysis. | §45-201(6)–(8) | P |
| C040 | State disclosure remedies use a defined federal incorporation and separate conditions. | §43-201; S007; §41-302 | P/H |
| C041 | Nonwaiver, settlement exceptions and severability have independent scope. | §§41-105–106 | P |
| C042 | Expired rule status does not establish a current later federal incorporation date. | S012; §41-302 | O/P/H |
| C043 | Historical agency releases and bill mirrors do not authenticate the whole current law. | S008–S011 | Historical/source limit |
| C044 | Conditional federal payday finance-charge classification was read from operative scope and official commentary. | S013–S014 | E/O |
| C045 | Other federal/special regimes remain precise dependencies. | Section7.2; S015 | H |
| C046 | No universal counting convention, actual fee, APR, payment or deadline was established. | Quantity/read registers | H |
| C047 | No actual or invented consumer, lender, account, agreement, payment or case was examined. | Research record | Certain |
| C048 | Earlier C033/C035 and unrelated findings remain unchanged. | Supplied scope only | No acceptance by implication |
Captured table 19
Quantity or relation · Source/base/event · Qualification · 52 data rows
| Quantity or relation | Source/base/event | Qualification |
|---|---|---|
| $1,000 maximum | Individual principal, §412 | Not check face or net proceeds by assumption |
| $1,000 aggregate principal, plus allowable fees | Same/common-control outstanding loans, §413(1) | Not all unrelated lenders |
| 25% | Gross monthly income when loan made | Statutory evidence/representation condition |
| At least once every twelve months | Income-information refresh | Not each renewal by invented rule |
| Dollar fee per $100 | Posted fee unit | Not a fee cap |
| One postdated check | Security for described loan | Other collateral prohibited |
| Two electronic representments | §412(8) | Not automatically total attempts or federal compliance |
| Three consecutive renewals maximum | §413(9) | Full repayment thereafter; other restrictions remain |
| Presentation/deposit or redemption | Special completion event | Not final clearance by assumption |
| Next business day, prior to close | Rescission tender after making | Business-day definition/counting held |
| Principal only; no cost | Rescission | Different from full-check redemption |
| Before presentment/deposit | Check redemption | Full check amount |
| Once in consecutive twelve months | EPP opportunity | More than once not required |
| No later than due day | Written EPP execution | Not merely an uncompleted request |
| At least four equal payments | EPP schedule | No payment amount calculated |
| At least sixty days | EPP duration | No actual start/end schedule |
| No greater than original amount owed | EPP obligation | Not debt cancellation |
| Greater of original loan period or two weeks | Guidance first-payment interval after entering EPP | Nonbinding interpretation, not §414 text |
| Principal ≤$1,000; not open-end | §43-310 scope | Payday-specific interaction held |
| More than $300 / $300 or less | General term branches | Strict versus inclusive boundary preserved |
| Thirty-seven / twenty-five months | General maximum terms | Not declared the resolved payday schedule |
| Principal ≤$1,000 | Contractual attorney-fee prohibition | Court-statute distinction remains |
| 12% annually from dishonor | Conditional §22-105 branch | Not ordinary payday interest |
| Lesser of $20 or check face | Statutory collection-cost route | Required notice/contract conditions |
| No more than $20 | Alternate flat collection fee | Payday disclosure overlay still applies |
| Fifteen days | §105 unpaid/notice conditions | Not merged with every §106 event |
| Fifteen days after postmark | Prescribed dishonor notice | Form read but unfilled |
| Three days after affidavit execution | Statutory conclusive-notice provision | Separate from actual-notice qualification |
| Fifteen days actual notice | §106(4) nonreceipt qualification | No actual event |
| No treble damages | Payday-specific restriction | General small-claims amounts not imported |
| Fifteen days | Report listed §408 events | Role and ownership predicates apply |
| At least 25% equity ownership | Specified event-reporting persons | Not a borrower rule |
| Two years after due date | §409 “need not preserve more than” wording | Other retention laws may apply |
| May 31 | Composite prior-calendar-year report | No actual filing |
| Thirty days after demand | Examination-cost payment provision | Not consumer repayment |
| July 1 annually | Administrator’s examination-rate setting | No rate amount supplied |
| Preceding twelve months / end-period balance | Requested statement under older §204 | Currentness held |
| One free statement each year; additional ≤$10 | Older §204 | Payday extra-fee interaction held |
| $100–$1,000 | Specified nonclass §45-201 penalties | Enumerated violations and defenses |
| Two years | Specified open-end remedy periods | Not ordinary debt limitation |
| One year after scheduled/accelerated maturity | Specified non-open-end remedy periods | No actual deadline |
| Thirty-day presumption | Reasonable refund time after demand in §201(3) | Not every refund deadline |
| Forty-five days after creditor notice | Conditional penalty-correction period | Must precede stated debtor notice/action conditions |
| One year from violation | Older §45-203 disclosure action | Incorporated federal law and alternative-liability rules |
| January 1, 2005 or later adopted date | State federal-law definition | Later valid rule date not authenticated |
| March 31, 2022 | IDAPA12.01.09 expiration | No current replacement inferred |
| July 1, 2003 / July 1, 2014 | Historical implementation statements | Final enactment chains remain incomplete |
| July 1, 2020 | EPP guidance date | Not statutory amendment date |
| More than four installments / regular-credit criteria | Narrow Regulation Z scope predicates read | No actual creditor determination |
| More than twenty-five extensions | Relevant generic Regulation Z regularity branch | Calendar and exception qualifications; no count performed |
| October 26, 2026 | eCFR current-through display | Not clause-effective date |
| Unknown | Actual agreement date, due date, income base application, request, execution, dishonor, mailing, receipt, default, refund, assignment | None supplied or calculated |
Captured table 20
Branch · Required predicate · Supported consequence · 22 data rows
| Branch | Required predicate | Supported consequence | Inference to avoid | Exact next generic inquiry |
|---|---|---|---|---|
| B01—payday category | Defined deferred-check/electronic arrangement | Part4 framework | Every small or short loan is payday | Official current §401 and definitions |
| B02—consumer purpose | Credit Code purpose and exclusions | Correct incorporated protections | Label alone decides | Complete generic classification construction |
| B03—Idaho nexus | Territorial statutory connection | Relevant Idaho branch | Online or out-of-state location automatically excludes | Official §201 and jurisdiction law |
| B04—institution exemption | Exact authorized/supervised status | Licensing exception only as written | Exempt from all law | Incorporated institutional definitions/federal law |
| B05—unlicensed loan | Loan made in Idaho violating required license | Specific voidness/recovery provision | Every technical breach voids principal | Official §402; no entity inquiry |
| B06—amount limits | Correct principal/loan/income/aggregate bases | Statutory limits | Check face and net proceeds interchangeable | Generic base construction |
| B07—fee | Permitted payday charge and no prohibition | Conditional fee rule | No numeric cap means unlimited legality | Official current law and special federal rules |
| B08—term | Non-open-end consumer-loan branch and special payday provisions | General text remains relevant | Universal no-term-cap or resolved installment schedule | Reconcile §§43-310 and46-412/414 |
| B09—renewal | Consecutive-renewal and completion facts | Count and repayment restrictions | New paperwork evades them | Generic completion/renewal construction |
| B10—rescission | Timely specified principal tender | No-cost statutory branch | Notice alone or a universal three-day right | Business-day/tender construction |
| B11—redemption/prepayment | Applicable event and transaction classification | Distinct early-payment rights | All early payments have same fee treatment | Reconcile §§412,42-306/307 |
| B12—EPP | Timely request/executed writing and annual availability | Mandatory qualified plan | Unlimited plans or balance forgiveness | Official §414 and first-payment interpretation |
| B13—EPP default | Valid default under plan and applicable law | Termination/acceleration branch | New fees or criminal action follow | Default/charge interaction |
| B14—dishonored check | Qualifying check, return, disclosure, notice and exceptions | Limited charges | Every failed debit is fraud or a UCC check | Complete payment-law incorporation if needed |
| B15—assignment | Valid transfer and statutory notice/proof | Recipient/assignee consequences | Assignment proves ownership or erases defenses | Generic assignment law |
| B16—earnings authorization | Revocable authorization and required copy/notice | Narrow exception | Irrevocable wage assignment or bank debit authority | Complete applicable authorization regime |
| B17—records/receipts | Applicable actor and request/payment event | Statutory records duties | Old edition or generic fee authorizes payday charge | Current §204 and fee interaction |
| B18—civil remedies | Exact violation, timing and statutory defenses | Conditional remedies | Automatic penalty or principal cancellation | Official remedy text and construction |
| B19—disclosure law | Defined federal incorporation and federal scope | Conditional disclosure duty | Current federal text automatically equals state adoption | Valid later adoption rule and §203 |
| B20—federal payment/MLA | Complete federal scope and exclusions | No result yet | State compliance proves federal compliance | Exact Parts1041,1005,232 and current status |
| B21—bank/tribal/interstate | Governing jurisdiction and federal status | Held branch | Blanket immunity/preemption | Generic federal/tribal/conflicts authority |
| B22—currency | Official operative bodies and final amendments | Exact gap can close | Old guide, title, or failed search proves current law | Ordinary official publication recovery |
Captured table 21
Field · Entry · 36 data rows
| Field | Entry |
|---|---|
| Product definition | |
| Governing authority and edition | |
| Official-current-text status | |
| Consumer-purpose predicate | |
| Territorial predicate | |
| Licensing category | |
| Institutional exemption | |
| Principal definition | |
| Check-face distinction | |
| Aggregate condition | |
| Income-condition provision | |
| Fee authority | |
| Additional-charge restriction | |
| APR/disclosure provision | |
| Term/schedule incorporation | |
| Renewal provision | |
| New-proceeds restriction | |
| Rescission trigger | |
| Redemption trigger | |
| Prepayment/refund dependency | |
| EPP frequency | |
| EPP execution requirement | |
| EPP schedule provision | |
| EPP default consequence | |
| Dishonor definition | |
| Notice method and event | |
| Criminal-threat restriction | |
| Assignment provision | |
| Earnings-authorization restriction | |
| Record/receipt provision | |
| Civil-remedy predicate | |
| Correction/error qualification | |
| Federal scope dependency | |
| Unread incorporation | |
| Missing primary evidence | |
| Review status |
Captured table 22
Requested issue · Disposition · Claims/sources/branches · 36 data rows
| Requested issue | Disposition | Claims/sources/branches | Remaining dependency |
|---|---|---|---|
| 1—current product classification | Provisionally established | C002–C005; S005; B01–B04 | Official current bodies |
| Complete definitions/exclusions | Necessary text read | C003–C005 | External institution and purpose construction |
| Territorial/online scope | Conditional text read | C004 | No actual jurisdiction |
| Licensed versus exempt actors | Distinguished | C005–C006 | No license lookup or authority finding |
| Other small/installment/title loans | Not conflated | C002,C014 | Separate sectors excluded |
| 2—principal/aggregate/income | Source-stated limits registered | C007–C010 | Base and currentness dependencies |
| Fee/interest/APR distinctions | Established narrowly | C011–C012,C044 | No actual charge/APR determination |
| Security/payment mechanisms | Conditional rules read | C010,C013 | Federal authorization held |
| Term | Material incorporation read; interaction held | C014; B08 | Official construction |
| Amendment/effectiveness | Historical evidence recorded | C042–C043 | Final official enactments/current chain |
| No-cap inference | Rejected | C011 | Other law and official-current verification |
| 3—renewals/successive loans | Provisionally answered | C016 | Actual count/completion absent |
| EPP | Complete statutory branch read | C019–C021 | Guidance versus law preserved |
| Rescission | Complete operative branch read | C017 | Business-day/tender construction |
| Redemption/prepayment/refund | Distinguished; rebate interaction held | C018,C022 | No blanket refund conclusion |
| Default/collection during plan | Conditional text read | C020,C027 | Actual default absent |
| 4—dishonor charges | Complete material incorporated clauses read | C023–C025 | UCC/electronic applicability |
| Criminal threat/fraud | Distinguished | C026 | No offense or actual communication |
| Assignment/holder rights | Narrowly addressed | C030 | Ownership and general holder law held |
| Wage/security/bank authorization | Separated | C010,C028 | Garnishment, EFTA and other regimes excluded |
| Collection attorney fees | Contract/statute distinction preserved | C029 | No court award |
| 5—regulator powers | Narrow powers read | C033–C035 | Full APA/process/remedies held |
| Records/disclosures | Read with edition limits | C007,C031–C034 | Current §204 and federal content |
| Civil remedies | Conditional branches read | C036–C040 | Exact violation/standing/construction |
| Nonwaiver/severability | Read | C041 | No actual settlement |
| Complaint locator | Disclosure only | C032 | No complaint intake or acceptance |
| 6—Regulation Z | Narrow positive classification only | C044; S013–S014 | Full disclosure/APR rules excluded |
| MLA/payment rules/bank preemption | Precise dependencies | C045 | Complete operative bodies/status later |
| Bankruptcy/tribal/local/privacy/collection | Held | B20–B21 | Separate generic inquiry |
| 7—literal sources/read bounds | Visibly registered | Section8 | Official statutory gaps remain |
| Dates/quantities/counting | Registered | Section10 | No calendar or computation |
| Conditional branches | Supplied | Section11 | No actual outcome |
| Blank worksheet | Supplied unfilled | Section12 | No facts inserted |
| Read/failure/self-check | Supplied | Section14 | Not independent review |
| C033/C035 and prior reports | Unchanged | C048 | No earlier acceptance implied |
| Dimension6/7, Idaho, A066, parent | Not accepted complete | All findings | Exact currentness and incorporation gaps |
Captured table 23
Material · Read scope · 10 data rows
| Material | Read scope |
|---|---|
| Payday statutes | Complete §§401–402 and407–415 in the 2025 reproduction |
| Consumer-credit incorporations | Complete or expressly bounded definitions, scope, fee, term, prepayment, assignment, wage, default, and remedy provisions listed in S005 |
| Older provisions | Complete 2022 receipt section and 2024 disclosure-remedy section, not promoted to current law |
| Dishonored-payment law | Complete material §§22-105/106 and necessary check/small-claims bodies; no actual check or offense |
| Official Idaho materials | Legal-status pages, selected historical releases, complete EPP guidance, relevant rule-index entry |
| Legislative mirror | Complete operative 2014 bill text and generic history; no final-act claim |
| Federal law | Necessary Regulation Z scope/definitions/exemptions, complete finance-charge section, and official payday interpretation |
| Currentness search | Generic official-focused 2025/2026 searches; no absence-of-amendment conclusion |
| Cases, opinions, actual lenders, rosters, policies, agreements, accounts, completed forms | Not investigated |
| Prior local reports or linked conversations | Not opened or claimed as fresh evidence |
Captured table 24
Document · Parsed read · Pixels inspected · 5 data rows
| Document | Parsed read | Pixels inspected |
|---|---|---|
| 2020 EPP guidance | Complete three pages | Printed1–3 / indices0–2 |
| 2014 IDOF release | Selected first-page legal explanation | Printed1 / index0 |
| 2003 IDOF release | Selected payday paragraph | Printed2 / index1 |
| 2014 S1314 mirror | Complete operative five-page bill | Printed4 / index3 |
| Official IDAPA index | Relevant 12.01.09 entries | Printed3 / index2 |
Find the assertion and its boundaries
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
Read the related correction supplements
These components repair their stated scope. They do not replace every other finding in this research series.
SID bounded rule-pinpoint clarification →SID Rule 40 quantity and exception completion →
Idaho: appellate history and quantity-row corrections →
Idaho: completion of appellate costs inquiry cells B07–B27 →
Idaho: appellate rehearing quantity-row correction →
Payday classification uses the defined deferred-check arrangement and electronic extension.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C002
- Source/pinpoint
- S005-A §401
- Status/limit
- P
Consumer purpose and listed Credit Code exclusions remain material.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C003
- Source/pinpoint
- S005-B §§202,204,301
- Status/limit
- P/H
Idaho nexus and choice-of-law rules have distinct predicates.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C004
- Source/pinpoint
- S005-B §201
- Status/limit
- P; no actual situs
Payday licensing exemptions and general Part3 cross-references are not blanket substantive exemptions.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C005
- Source/pinpoint
- §§401–402,46-301
- Status/limit
- P/H
The specific unlicensed-Idaho-payday branch makes principal and fees unenforceable and provides stated recovery powers.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C006
- Source/pinpoint
- §402(3)–(4)
- Status/limit
- P; no actual violation
Written payday agreement and fee disclosures have mandatory content.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C007
- Source/pinpoint
- §412(1),(4); §415
- Status/limit
- P
Individual and same/common-control aggregate principal restrictions are distinct.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C008
- Source/pinpoint
- §§412(2),413(1)
- Status/limit
- P
Income limit and evidence/representation provisions must be read together.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C009
- Source/pinpoint
- §413(2)–(4)
- Status/limit
- P
Collateral and representment restrictions do not establish federal debit permission.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C010
- Source/pinpoint
- §§412(5),(8),413(10)
- Status/limit
- P/H
Fee permission is constrained by the special no-other-charge rule.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C011
- Source/pinpoint
- §412(3); §42-201
- Status/limit
- P
The state fee label does not decide federal finance-charge status.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C012
- Source/pinpoint
- §412(3); S013–S014
- Status/limit
- P/E/O
Proceeds-access charges and repayment methods have separate statutory limits.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C013
- Source/pinpoint
- §412(5)–(7)
- Status/limit
- P
General installment-term text cannot be ignored, but its payday reconciliation remains held.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C014
- Source/pinpoint
- §43-310; §46-401
- Status/limit
- P/H
No statewide unrelated-lender aggregation or automatic fee/base equivalence was established.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C015
- Source/pinpoint
- §§412–413
- Status/limit
- Bounded reading
Renewals, new-proceeds repayment, and completion are different restrictions/events.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C016
- Source/pinpoint
- §413(5),(9)
- Status/limit
- P
Rescission requires timely principal tender and is no-cost.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C017
- Source/pinpoint
- §413(12)
- Status/limit
- P; no calendar
Check redemption differs from rescission and general prepayment.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C018
- Source/pinpoint
- §412(5); §42-306
- Status/limit
- P
EPP request frequency, execution, schedule and amount conditions are statutory.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C019
- Source/pinpoint
- §414 introductory text,(1)–(3)
- Status/limit
- P
EPP fee/default/collection rules retain the dishonor exception.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C020
- Source/pinpoint
- §414(4)–(5)
- Status/limit
- P
First-payment timing beyond the statutory schedule is recorded as agency guidance.
Recorded check status: selected primary guidance compared nonbinding not enactment
- Claim
- C021
- Source/pinpoint
- S008
- Status/limit
- O guidance, not enactment
Precomputed-refund and earned-payday-fee interaction remains unresolved beyond express rescission.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C022
- Source/pinpoint
- §42-307; §412(3)
- Status/limit
- P/H
Payday dishonor charges require disclosure; treble damages are barred.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C023
- Source/pinpoint
- §413(6)
- Status/limit
- P
§22-105’s charge routes and stop-payment/court-fee exceptions are conditional.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C024
- Source/pinpoint
- S005-E §105
- Status/limit
- P/H
Dishonor mailing, affidavit, postmark and actual-notice events differ.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C025
- Source/pinpoint
- S005-E §106
- Status/limit
- P
Payment deficit does not authorize criminal threats; unfair/deceptive practices are prohibited.
Recorded check status: selected secondary aspect compared officialcurrentness incorporation construction held
- Claim
- C026
- Source/pinpoint
- §413(7)–(8)
- Status/limit
- P
Default and default charges require their own statutory basis.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C027
- Source/pinpoint
- §§45-107,45-301
- Status/limit
- P
Wage assignments and revocable deductions are distinct; confession terms are prohibited.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C028
- Source/pinpoint
- §§43-304–305
- Status/limit
- P
Small-loan contractual attorney fees differ from conditional court-awarded check fees.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C029
- Source/pinpoint
- §43-311; §22-105
- Status/limit
- P/H
Assignment notice/proof does not establish ownership; sale-assignee rules are not universal loan rules.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C030
- Source/pinpoint
- §§43-202,45-302
- Status/limit
- P
Receipt/statement duties are supported only by the older recovered edition.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C031
- Source/pinpoint
- S006
- Status/limit
- P, 2022
Predisbursement warning text does not establish accepted complaints or relief.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C032
- Source/pinpoint
- §415
- Status/limit
- P
Suspension, reporting and examination powers have statutory predicates.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C033
- Source/pinpoint
- §§407–411;46-103
- Status/limit
- P
Record retention wording is not universal destruction permission.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C034
- Source/pinpoint
- §409
- Status/limit
- P
Administrative procedure and cost provisions do not decide an actual examination or remedy.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C035
- Source/pinpoint
- §§410–411
- Status/limit
- P/H
Enumerated civil penalties are not automatic for every payday violation.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C036
- Source/pinpoint
- §45-201(1),(3)
- Status/limit
- P
Excess charges have specified nonpayment/refund and assignee consequences.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C037
- Source/pinpoint
- §45-201(2)
- Status/limit
- P
General debt-preservation text remains subject to specific contrary provisions.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C038
- Source/pinpoint
- §45-201(4); §46-402
- Status/limit
- P
Correction, bona fide error, and court-fee provisions qualify remedy analysis.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C039
- Source/pinpoint
- §45-201(6)–(8)
- Status/limit
- P
State disclosure remedies use a defined federal incorporation and separate conditions.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C040
- Source/pinpoint
- §43-201; S007; §41-302
- Status/limit
- P/H
Nonwaiver, settlement exceptions and severability have independent scope.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C041
- Source/pinpoint
- §§41-105–106
- Status/limit
- P
Expired rule status does not establish a current later federal incorporation date.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C042
- Source/pinpoint
- S012; §41-302
- Status/limit
- O/P/H
Historical agency releases and bill mirrors do not authenticate the whole current law.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C043
- Source/pinpoint
- S008–S011
- Status/limit
- Historical/source limit
Conditional federal payday finance-charge classification was read from operative scope and official commentary.
Recorded check status: selected official commentary aspect compared otheroperative scope and history not reverified
- Claim
- C044
- Source/pinpoint
- S013–S014
- Status/limit
- E/O
Other federal/special regimes remain precise dependencies.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C045
- Source/pinpoint
- Section7.2; S015
- Status/limit
- H
No universal counting convention, actual fee, APR, payment or deadline was established.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C046
- Source/pinpoint
- Quantity/read registers
- Status/limit
- H
No actual or invented consumer, lender, account, agreement, payment or case was examined.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C047
- Source/pinpoint
- Research record
- Status/limit
- Certain
Earlier C033/C035 and unrelated findings remain unchanged.
Recorded check status: whole report text reviewed not all underlying primary reverified
- Claim
- C048
- Source/pinpoint
- Supplied scope only
- Status/limit
- No acceptance by implication
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.
S001 — fresh failure record Literal URL Actual observation https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401 Restricted official section route https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412 Restricted official section route https://www.legislature.idaho.gov/legislation/2014/S1314.htm Historical official route failed https://www.legislature.idaho.gov/legislation/2014/S1314.pdf Visible ordinary bill link failed https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/ 2025 body not recovered; older edition identified separately https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html Access denied https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/ 2025 body not recovered; 2024 edition identified separately https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ Initial transient failure; later readable body recovered No failure was treated as repeal, absence of a protection, or evidence that wording remained unchanged.
Recorded check status: fresh selected official route failed
- Direct source URLs
- https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-401
https://legislature.idaho.gov/statutesrules/idstat/Title28/T28CH46/SECT28-46-412
https://www.legislature.idaho.gov/legislation/2014/S1314.htm
https://www.legislature.idaho.gov/legislation/2014/S1314.pdf
https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-204/
https://codes.findlaw.com/id/title-28-commercial-transactions/id-st-sect-28-43-204.html
https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-203/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/
IDOF, Statutes and Rules — https://www.finance.idaho.gov/legal/statutes-and-rules/
Recorded check status: not freshly reopened in this scoped review
- Source
- S002
- Actual read and limitation
- Relevant payday/Credit Code links and guidance-status warning. Official locator, not operative statutory text.
- Direct source URLs
- https://www.finance.idaho.gov/legal/statutes-and-rules/
IDOF, Guidance — https://www.finance.idaho.gov/legal/guidance/
Recorded check status: selected primary agency status checked
- Source
- S003
- Actual read and limitation
- Relevant payday guidance link and legal-status warning. Displayed webpage update is not an amendment date.
- Direct source URLs
- https://www.finance.idaho.gov/legal/guidance/
IDOF, Consumer Credit — https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/
Recorded check status: not freshly reopened in this scoped review
- Source
- S004
- Actual read and limitation
- Selected generic licensing-category and Idaho-service statements. No roster, application, provider status, or financial requirement applied.
- Direct source URLs
- https://www.finance.idaho.gov/consumer-finance-bureau/consumer-credit/
S005 — 2025 Idaho Code reproduction: statutory usage register Publisher: Justia. Status: Secondary 2025 reproduction with currentness disclaimer. This is one publication family; section uses are not independent corroboration. S005-A. Payday Part 4 All listed section bodies and displayed histories were read completely. Literal URL Exact reliance Displayed source credit https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/ Definitions and incorporation 2003 ch.182 §1 p.491; 2014 ch.270 §1 p.674 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/ Licensing, exemptions, unlicensed-loan consequences 2003 p.491; 2006 ch.122 §12 p.354; 2009 ch.175 §1 p.555; 2013 ch.54 §14 p.121 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/ Suspension/revocation 2003 p.493; 2006 ch.122 §15 p.355 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/ Event reporting 2003 p.493 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/ Records and annual report 2003 p.494; 2015 ch.141 §50 p.417 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/ Examination/investigation 2003 p.494 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/ APA incorporation 2003 p.495 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/ Complete (1)–(8) 2003 p.495; 2014 ch.270 §2 p.675 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/ Complete (1)–(12) 2003 p.496; 2013 ch.54 §6 p.117; 2014 ch.270 §3 p.675 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/ Complete introductory clause and (1)–(5) 2014 ch.270 §4 p.676 https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/ Complete prescribed disclosures 2014 ch.270 §5 p.677 Sections 403–406 were not used to complete an application, bond, approval, or renewal investigation. S005-B. Scope, definitions, nonwaiver, and licensing cross-references Literal URL Read bounds Displayed history/limit https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/ Complete severability 1983 ch.119 §3 p.265 https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/ Complete section; reliance on waiver/settlement branches 1983 p.265; 2000 ch.175 §1 p.443; 2015 ch.244 §15 p.1016 https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/ Complete (1)–(9) 1983 p.267; amendments through 2014 ch.97 §10 p.273 https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/ Complete exclusions 1983 p.268 https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/ Complete purpose/scope provision 1983 p.268; 1994 ch.185 §5 p.606 https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/ Complete necessary definitions: agreement, consumer purpose, creditor/debtor, finance charge, lender/loan, open-end, installments, common control, precomputed, regulated categories, supervised financial organization 1983 p.269; 2006 ch.122 §2 p.341; 2013 ch.54 §2 p.109. Not every external incorporation completed. https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/ Complete federal-law incorporation 1983 p.275; amendments through 2005 ch.263 §1 p.808 https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/ Complete administrator definition 1983 p.300 https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/ Complete licensing/exemption provision, read only for incorporated boundary 1983 p.307; amendments through 2013 ch.54 §3 p.114 S005-C. Charges, prepayment, disclosure, and agreement restrictions Literal URL Read bounds Displayed credit/limit https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/ Complete finance-charge provision 1983 p.275; 1991 ch.278 §1 p.720; 1993 ch.227 §1 p.798 https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/ Complete prepayment provision 1983 p.278; 1996 ch.244 §1 p.775 https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/ Complete (1)–(9); reliance limited to conditional rebate structure and interaction hold 1983 p.278. No rebate computation or insurance branch determination. https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/ Complete dishonored-payment charge incorporation 1994 ch.185 §4 p.606; 1997 ch.73 §1 p.154 https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/ Complete disclosure incorporation 1983 p.282 https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/ Complete assignment notice/proof 1983 p.282 https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/ Complete earnings-assignment restriction and exception 1983 p.284 https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/ Complete confession prohibition 1983 p.284 https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/ Complete installment/term section 1983 p.285 https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/ Complete contractual attorney-fee restriction 1983 p.285 The general delinquency-charge provision, § 28-42-301, was partially inspected as a lead. It was not used to authorize a payday late fee. S005-D. Remedies and default Literal URL Read bounds Displayed credit/limit https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/ Complete scope 1983 p.294 https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/ Complete unconscionability section 1983 p.295; no actual agreement assessment https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/ Complete default limitation 1983 p.296 https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/ Complete (1)–(8); employment-remedy subsection read but not applied 1983 p.296; 2002 ch.301 §3 p.860 https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/ Complete default-charge restriction 1983 p.298 https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/ Complete (1)–(3), used to distinguish consumer-credit sales 1983 p.299; no extension to every loan S005-E. Dishonored-check incorporations Literal URL Read bounds Displayed credit/limit https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/ Complete notice/charge/court-fee/stop-payment provision 1994 ch.185 §1 p.604; 1996 ch.373 §5 p.1271; 2002 ch.288 §2 p.834 https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/ Complete (1)–(5), including wholly blank statutory notice/affidavit text 1994 ch.185 §2 p.605; 2002 ch.288 §3 p.835 https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/ Complete (1)–(11); reliance on check/demand-draft distinctions 1993 ch.288 §2 p.1023; 2002 ch.121 §2 p.340. External fiduciary incorporation held. https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/ Complete body read to understand §105’s attorney-fee exclusion Displayed history through 2008 ch.347 §32 p.958. General treble/damage provisions not applied to payday loans. The default-interest section § 28-22-104 was opened as a lead but not relied on to supply payday interest.
Recorded check status: selected secondary bodies compared official currentness held
- Direct source URLs
- https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-401/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-402/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-407/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-408/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-409/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-410/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-411/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-412/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-413/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-414/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-4/section-28-46-415/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-105/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-1/section-28-41-106/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-201/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-202/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-2/section-28-41-204/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-301/
https://law.justia.com/codes/idaho/title-28/chapter-41/part-3/section-28-41-302/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-1/section-28-46-103/
https://law.justia.com/codes/idaho/title-28/chapter-46/part-3/section-28-46-301/
https://law.justia.com/codes/idaho/title-28/chapter-42/part-2/section-28-42-201/
https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-306/
https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-307/
https://law.justia.com/codes/idaho/title-28/chapter-42/part-3/section-28-42-308/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-201/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-2/section-28-43-202/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-304/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-305/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-310/
https://law.justia.com/codes/idaho/title-28/chapter-43/part-3/section-28-43-311/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-102/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-106/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-1/section-28-45-107/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-2/section-28-45-201/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-301/
https://law.justia.com/codes/idaho/title-28/chapter-45/part-3/section-28-45-302/
https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-105/
https://law.justia.com/codes/idaho/title-28/chapter-22/section-28-22-106/
https://law.justia.com/codes/idaho/title-28/chapter-3/part-1/section-28-3-104/
https://law.justia.com/codes/idaho/title-1/chapter-23/section-1-2301a/
S006 — older receipt/account-statement reproduction URL: https://law.justia.com/codes/idaho/2022/title-28/chapter-43/part-2/section-28-43-204/ Read: Complete (1)–(3). Edition/status: 2022 secondary reproduction, not 2025/current official text. Credit: 1983 ch.119 §3 p.282. Limit: Additional statement-charge interaction and currentness remain held.
Recorded check status: not freshly reopened in this scoped review
S007 — older disclosure-remedy reproduction URL: https://law.justia.com/codes/idaho/2024/title-28/chapter-45/part-2/section-28-45-203/ Read: Complete (1)–(4). Edition/status: 2024 secondary reproduction. Credit: 1983 ch.119 §3 p.298. Limit: Defined federal-law version and incorporated substantive defenses/rights are not assumed to be identical to current federal law.
Recorded check status: not freshly reopened in this scoped review
S008 — official EPP interpretation Issuer/title: Idaho Department of Finance, Payday Extended Payment Plans, July 1, 2020. URL: https://www.finance.idaho.gov/wp-content/uploads/legal/guidance/documents/payday-lenders/2020-10-CFB-GS-PAYDAY-Extended-Payment-Plans.pdf Read: Complete three-page generic guidance. Pixels: Printed pages 1–3, PDF indices 0–2, inspected. Status: Official guidance replacing October 9, 2014 guidance; not enacted text. Heading §28-46-114/body §28-46-414 discrepancy preserved.
Recorded check status: selected primary guidance text checked
S009 — official 2014 implementation release Issuer/title: IDOF, Payday Loan Act Changes, June 30, 2014. URL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2014/PressRel-Payday-Loan-Act-Changes.pdf Read: Selected generic first-page legislative/implementation text. Pixels: Printed page 1/PDF index 0. Limit: Official historical explanation of July 1, 2014 implementation; statistics and attached material were not used as operative authority.
Recorded check status: not freshly reopened in this scoped review
S010 — 2014 legislative text and status https://legiscan.com/ID/text/S1314/id/952520/Idaho-2014-S1314-Introduced.pdf https://legiscan.com/ID/bill/S1314/2014 Read: Complete operative §§1–5 of the five-page introduced bill; status/header/history only. Pixels: Printed page 4/PDF index 3 inspected. Status: Introduced-version mirror. Secondary history reports chapter 270, signed March 26, 2014, effective July 1, 2014. No final official act or original effective clause was recovered. No sponsor, roster, or individual-vote inquiry.
Recorded check status: not freshly reopened in this scoped review
S011 — official 2003 implementation release Issuer/title: IDOF, Law Changes, June 30, 2003. URL: https://www.finance.idaho.gov/wp-content/uploads/about/press-releases/documents/2003/PressRel-LawChanges-6-30-03-1.pdf Read: Selected payday-law paragraph on printed page 2. Pixels: Printed page 2/PDF index 1. Status: Official historical explanation of July 1, 2003 implementation; unrelated sectors not investigated.
Recorded check status: not freshly reopened in this scoped review
S012 — official administrative-rule status Issuer/title: Idaho administrative-rules cumulative index, IDAPA 12. URL: https://proddfmmainsa.blob.core.windows.net/dfm-admin-website/cindex/12.pdf Read: Relevant IDAPA 12.01.09 entries and surrounding status context. Pixels: Printed page 3/PDF index 2. Finding: Expiration recorded as March 31, 2022. Limit: Archived rule body and exhaustive later-replacement audit not completed; no current incorporation date inferred.
Recorded check status: not freshly reopened in this scoped review
S013 — Regulation Z operative text Publisher: eCFR; authoritative but unofficial. https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3 https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4 Read: Complete material §1026.1(c); necessary complete consumer-credit, creditor, transaction, and open-end definitions in §1026.2; complete operative exemptions in §1026.3; complete §1026.4(a)–(f). Currency: Displayed through October 26, 2026; Title 12 last amended October 23, 2026. Credits: §1026.4 displays 76 FR 79772, December 22, 2011, and later 2016/2024 amendments. Original amendment/status chains for unrelated prepaid/overdraft branches were not reconstructed. No such product branch is applied.
Recorded check status: not freshly reopened in this scoped review
- Direct source URLs
- https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.1
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.2
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.3
https://www.ecfr.gov/current/title-12/chapter-X/part-1026/subpart-A/section-1026.4
S014 — official Regulation Z interpretation Issuer: CFPB, official interpretations to Regulation Z. URL: https://www.consumerfinance.gov/rules-policy/regulations/1026/2/ Read: Complete comment 2(a)(14)-2, “Payday loans,” with necessary scope definitions from S013. Limit: Supports the narrow federal classification proposition, not a complete federal payday report, current APR computation, or actual creditor finding. The original adoption/effective chain of that commentary was not separately reconstructed.
Recorded check status: selected primary official commentary checked with scope limits
- Direct source URLs
- https://www.consumerfinance.gov/rules-policy/regulations/1026/2/
S015 — discovery-only federal and proposal locators URL Status https://www.consumerfinance.gov/rules-policy/regulations/1041/ Official locator discovered; complete operative body/current status not analyzed https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/ Official compliance locator discovered; not a positive federal payment-rule finding https://legiscan.com/ID/bill/S1285/2024 Secondary discovery lead concerning an unsuccessful proposal; no proposed APR cap adopted into this report https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf Historical commentary-adoption lead discovered; body not opened or used as enacted-current evidence
Recorded check status: not freshly reopened in this scoped review
- Direct source URLs
- https://www.consumerfinance.gov/rules-policy/regulations/1041/
https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/payday-lending-rule/
https://legiscan.com/ID/bill/S1285/2024
https://www.federalreserve.gov/boarddocs/press/boardacts/2000/20000324/attachment.pdf
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.
1—current product classification
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Provisionally established
- Claims/sources/branches
- C002–C005; S005; B01–B04
- Remaining dependency
- Official current bodies
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Complete definitions/exclusions
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Necessary text read
- Claims/sources/branches
- C003–C005
- Remaining dependency
- External institution and purpose construction
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Territorial/online scope
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Conditional text read
- Claims/sources/branches
- C004
- Remaining dependency
- No actual jurisdiction
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Licensed versus exempt actors
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Distinguished
- Claims/sources/branches
- C005–C006
- Remaining dependency
- No license lookup or authority finding
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Other small/installment/title loans
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Not conflated
- Claims/sources/branches
- C002,C014
- Remaining dependency
- Separate sectors excluded
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
2—principal/aggregate/income
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Source-stated limits registered
- Claims/sources/branches
- C007–C010
- Remaining dependency
- Base and currentness dependencies
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Fee/interest/APR distinctions
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Established narrowly
- Claims/sources/branches
- C011–C012,C044
- Remaining dependency
- No actual charge/APR determination
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Security/payment mechanisms
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Conditional rules read
- Claims/sources/branches
- C010,C013
- Remaining dependency
- Federal authorization held
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Term
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Material incorporation read; interaction held
- Claims/sources/branches
- C014; B08
- Remaining dependency
- Official construction
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Amendment/effectiveness
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Historical evidence recorded
- Claims/sources/branches
- C042–C043
- Remaining dependency
- Final official enactments/current chain
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
No-cap inference
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Rejected
- Claims/sources/branches
- C011
- Remaining dependency
- Other law and official-current verification
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
3—renewals/successive loans
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Provisionally answered
- Claims/sources/branches
- C016
- Remaining dependency
- Actual count/completion absent
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
EPP
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Complete statutory branch read
- Claims/sources/branches
- C019–C021
- Remaining dependency
- Guidance versus law preserved
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Rescission
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Complete operative branch read
- Claims/sources/branches
- C017
- Remaining dependency
- Business-day/tender construction
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Redemption/prepayment/refund
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Distinguished; rebate interaction held
- Claims/sources/branches
- C018,C022
- Remaining dependency
- No blanket refund conclusion
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Default/collection during plan
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Conditional text read
- Claims/sources/branches
- C020,C027
- Remaining dependency
- Actual default absent
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
4—dishonor charges
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Complete material incorporated clauses read
- Claims/sources/branches
- C023–C025
- Remaining dependency
- UCC/electronic applicability
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Criminal threat/fraud
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Distinguished
- Claims/sources/branches
- C026
- Remaining dependency
- No offense or actual communication
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Assignment/holder rights
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Narrowly addressed
- Claims/sources/branches
- C030
- Remaining dependency
- Ownership and general holder law held
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Wage/security/bank authorization
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Separated
- Claims/sources/branches
- C010,C028
- Remaining dependency
- Garnishment, EFTA and other regimes excluded
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Collection attorney fees
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Contract/statute distinction preserved
- Claims/sources/branches
- C029
- Remaining dependency
- No court award
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
5—regulator powers
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Narrow powers read
- Claims/sources/branches
- C033–C035
- Remaining dependency
- Full APA/process/remedies held
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Records/disclosures
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Read with edition limits
- Claims/sources/branches
- C007,C031–C034
- Remaining dependency
- Current §204 and federal content
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Civil remedies
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Conditional branches read
- Claims/sources/branches
- C036–C040
- Remaining dependency
- Exact violation/standing/construction
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Nonwaiver/severability
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Read
- Claims/sources/branches
- C041
- Remaining dependency
- No actual settlement
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Complaint locator
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Disclosure only
- Claims/sources/branches
- C032
- Remaining dependency
- No complaint intake or acceptance
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
6—Regulation Z
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Narrow positive classification only
- Claims/sources/branches
- C044; S013–S014
- Remaining dependency
- Full disclosure/APR rules excluded
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
MLA/payment rules/bank preemption
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Precise dependencies
- Claims/sources/branches
- C045
- Remaining dependency
- Complete operative bodies/status later
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Bankruptcy/tribal/local/privacy/collection
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Held
- Claims/sources/branches
- B20–B21
- Remaining dependency
- Separate generic inquiry
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
7—literal sources/read bounds
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Visibly registered
- Claims/sources/branches
- Section8
- Remaining dependency
- Official statutory gaps remain
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Dates/quantities/counting
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Registered
- Claims/sources/branches
- Section10
- Remaining dependency
- No calendar or computation
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Conditional branches
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Supplied
- Claims/sources/branches
- Section11
- Remaining dependency
- No actual outcome
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Blank worksheet
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Supplied unfilled
- Claims/sources/branches
- Section12
- Remaining dependency
- No facts inserted
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Read/failure/self-check
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Supplied
- Claims/sources/branches
- Section14
- Remaining dependency
- Not independent review
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
C033/C035 and prior reports
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Unchanged
- Claims/sources/branches
- C048
- Remaining dependency
- No earlier acceptance implied
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Dimension6/7, Idaho, A066, parent
Recorded check status: recorded; no individual primary acceptance inferred
- Disposition
- Not accepted complete
- Claims/sources/branches
- All findings
- Remaining dependency
- Exact currentness and incorporation gaps
Recorded coordinator check boundaries
- coordinator acceptance
- scoped_review_complete_partial_with_official_currentness_term_refund_charge_incorporation_and_application_holds
Corrections, review and scope
Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.
No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.
Recorded review disposition
reviewed with official currentness general special term refund fee federal incorporation and application holds
Other components in this research series
S_IDpass-15-citation-01
SID bounded rule-pinpoint clarification
Inside: 1. Corrected sentence · 2. Source and read-status register · Document identity
7 tables7 claim records1 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-22-quantity-01
SID Rule 40 quantity and exception completion
Inside: Displayed history—not an original-order audit · Original claim retained · 3.1 Without-cause branches
12 tables15 claim records1 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-27-limited-01
Idaho: appellate history and quantity-row corrections
Inside: 1. Replacement history rows · 2. Replacement quantity row · 3. Source and usage register
6 tables4 claim records2 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-30-limited-01
Idaho: completion of appellate costs inquiry cells B07–B27
Inside:
5 tables5 claim records8 source recordsScoped review · limits applyCaptured 2026-10-29
S_IDpass-31-limited-01
Idaho: appellate rehearing quantity-row correction
Inside: Replacement quantity row · Source and traceability patch · Read log and preserved gaps
4 tables2 claim records1 source recordsScoped review · limits applyCaptured 2026-10-29
S_IDpass-01
SID Idaho provider market access and consumer fees
Inside: Controlling result · 1. How Idaho defines and classifies the relevant conduct · 1.1 The statutory classification is functional
9 tables35 claim records31 source recordsScoped review · limits applyCaptured 2026-10-25
S_IDpass-02
SID bounded corrections and qualifications to P1
Inside: 1. Stable reference aliases · 1.1 Immutable P1 source identities · 1.2 Exact inline-reference replacements
14 tables7 claim records16 source recordsScoped review · limits applyCaptured 2026-10-26
S_IDpass-03
SID official-source currency and NMLS-checklist evidence patch
Inside: Bottom-line disposition · A1. C004 — credit-repair definition and exclusions · Substantive disposition
8 tables12 claim records22 source recordsScoped review · limits applyCaptured 2026-10-26
S_IDpass-04
SID Idaho customer funds and trust accounts
Inside: Current-source limitation · 1. Which models Idaho’s account and funds provisions reach · 1.1 Section 26-2233 uses an actual-custody trigger
7 tables30 claim records21 source recordsScoped review · limits applyCaptured 2026-10-26
S_IDpass-05
SID Idaho generic provider agreements, disclosures, cancellation, and termination
Inside: Principal findings · 3.1 Necessary actor and relationship boundaries · 3.2 Collection agency–creditor-client contracts
14 tables40 claim records26 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-06
SID Idaho limitation periods, accrual, acknowledgment, and part-payment
Inside: 1. Principal findings · Status key · 2.1 General contracts and accounts
23 tables59 claim records21 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-07
SID Idaho wage and earnings garnishment, exemptions, and claiming procedure
Inside: Evidence status · 1.1 Earnings, disposable earnings, and the proceeding being regulated · Earnings versus other property
25 tables51 claim records17 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-08
SID Idaho bank-account garnishment, protected benefit deposits, and exemption-claim boundaries
Inside: Principal findings · 1.1 Different proceedings and legal objects · 1.2 Prejudgment attachment is not ordinary postjudgment collection
25 tables55 claim records12 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-09
SID Idaho personal-property secured-debt possession, disposition, redemption, surplus, and deficiency
Inside: Principal findings · 1.1 Different legal questions must remain separate · 1.2 Roles and consumer categories
27 tables60 claim records15 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-10
SID Idaho trust-deed nonjudicial power of sale
Inside: Principal findings · 1.1 Trust deed, mortgage, title, and obligation · 1.2 Property and acreage predicates
24 tables50 claim records13 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-11
SID Idaho medical billing, collection conditions, financial assistance, and federal boundaries
Inside: Principal findings · 1.1 Actor and authority comparison · 1.2 Idaho extraordinary collection action is a defined category
27 tables56 claim records23 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-13
SID bounded P9 noncash-proceeds correction and symbolic-register additions
Inside: 1.1 Replacement for P9 § 4.5 · 1.2 Disposition and collection are separate clauses · Effective/application status
12 tables8 claim records8 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-14
SID Idaho judicial real-property mortgage foreclosure, judicial sale, redemption, and deficiency
Inside: Principal findings · 1.1 Instrument, debt, property, and possession · 1.2 Judicially foreclosed trust deeds
24 tables55 claim records11 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-15
SID Idaho residential rent arrears, nonpayment termination, summary possession, and deposit boundaries
Inside: Principal findings · 1.1 Distinct legal objects · 1.2 Actor and property categories
27 tables49 claim records14 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-16
SID Idaho regulated residential electric and natural-gas arrears, deposits, termination, restoration, and complaints
Inside: Evidence disposition · Principal findings · 1.1 Actor and service distinctions
29 tables54 claim records10 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-17
SID Idaho consumer credit sales, retail-installment obligations, and motor-vehicle sale distinctions
Inside: Principal findings · 1.1 Product and actor distinctions · 1.2 Territorial and exemption conditions
33 tables56 claim records17 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-18
SID Idaho consumer personal-property leases and lease-purchase arrangements
Inside: Principal findings · 1.1 Legal-category comparison · 1.2 Chapter 36 exclusions
24 tables54 claim records11 source recordsCorrections to readCaptured 2026-10-28
S_IDpass-19
SID Idaho ordinary personal-property exemptions and homestead protection
Inside: Principal findings · 1.1 Execution, exemption, ownership, and debt are different questions · 1.2 Individual, dependent, and residence predicates
27 tables57 claim records13 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-20
SID Idaho ordinary unsecured closed-end consumer cash and personal loans
Inside: Principal findings · 1.1 Product and actor comparison · 1.2 Idaho nexus and exclusions
33 tables54 claim records15 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-21
SID Idaho ordinary civil debt actions: jurisdiction, commencement, service, response, default, and set-aside boundaries
Inside: Evidence disposition · Principal findings · 1.1 Distinct court questions
29 tables56 claim records11 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-22
SID Idaho small-claims debt route
Inside: Evidence disposition · Principal findings · 1.1 Small claims is a distinct procedural route
28 tables48 claim records19 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-23
SID Idaho contested debt proof, documentary evidence, and summary judgment
Inside: Evidence disposition · Principal findings · 1.1 Applicable rule systems
23 tables50 claim records8 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-24
SID Idaho ordinary civil discovery, disclosures, depositions, subpoenas, and protective/enforcement boundaries
Inside: Evidence disposition · Principal findings · 1.1 Ordinary discovery versus other proceedings
25 tables56 claim records5 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-25
SID Idaho ordinary civil trial, jury, verdict, findings, and post-trial motions
Inside: Evidence disposition · Principal findings · 1.1 Procedural posture matters
39 tables56 claim records9 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-26
SID Idaho judgment interest, remaining renewal history, recording, and satisfaction interfaces
Inside: Evidence disposition · Principal findings · 2.1 Interest categories and controlling events
23 tables35 claim records13 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-27
SID Idaho ordinary civil appellate gateways, timing, motion interactions, and stays
Inside: Evidence disposition · Principal findings · 2.1 Constitutional and statutory framework
31 tables55 claim records8 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-28
SID Idaho ordinary civil appellate records and transcripts
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new evidence
37 tables52 claim records8 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-29
SID Idaho ordinary civil appellate briefing, format, appendices, and oral argument
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new evidence
37 tables52 claim records8 source recordsScoped review · limits applyCaptured 2026-10-28
S_IDpass-30
SID Idaho ordinary civil appellate costs, attorney fees, and sanction awards
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new work
34 tables51 claim records8 source recordsScoped review · limits applyCaptured 2026-10-29
S_IDpass-31
SID Idaho appellate rehearing, discretionary review, and narrow remittitur/remand operation
Inside: Evidence disposition · Principal findings · 1.1 Reuse versus new work
30 tables45 claim records8 source recordsScoped review · limits applyCaptured 2026-10-29
S_IDpass-32
SID Idaho residential property-tax arrears, payment relief, reductions, and deferral
Inside: Evidence disposition · 1.1 Assessment, levy, bill, delinquency, and lien are different · 1.2 Property categories
39 tables62 claim records24 source recordsScoped review · limits applyCaptured 2026-10-29
Record integrity
Original saved Markdown SHA-256: 02a41ef9a21d269e6591a8983246f50804485be9fcd8590cb431f216fbe940f6. Public formatting, private-reference removal and correction annotations are separate from that immutable original.