FIND THE EXPLANATION

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

Use the notice, agreement, and places connected to the debt to find the right court, regulator, or legal-help service.

This address preserves a dated source document behind the guide. The complete explanation covers the questions, comparisons and next steps for this subject.

If you came here to check a specific citation, open the original archive below. It includes its source dates and recorded qualifications.

Original source archive (optional)Original working documents, complete tables and revision history

About this archive

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

SWA correction of the C070 coverage pinpoint

S_WA · pass-03-citation-01Captured 2026-10-286 tables · 6 claim records · 3 source recordsScoped coordinator review completed

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.

How to read the research →

Read the related correction supplements

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

SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

S_WA PASS-03 CITATION-01 — correction of the C070 coverage pinpoint

The correct current pinpoint is 12 CFR § 1006.1(c)(1). Paragraph (b) states purpose; it does not contain the collector-coverage clause or its reference to the exclusion in 12 U.S.C. § 5519(a). The fresh primary-source reading confirms the reported citation error. ecfr.gov

For the bounded proposition described in the request, this changes the source location only. It does not change or resolve any incorporated definition, exception, legal classification, or actual-application question.

Occurrence-audit limitation: The original PASS-03 answer is not available in the text I can inspect for this turn. Consequently, I can authenticate the correction and patch the coordinator-identified C070 citation, but I cannot reproduce C070 verbatim, identify its original source-register ID, or certify that every repeated occurrence has been located. Those specific tasks remain open; the table below does not invent additional occurrences.

Fresh access: October 28, 2026, America/Los_Angeles.

In the tables, S001–S003 and C001–C006 abbreviate the full identifiers beginning S_WA-P3-L001-. The original patched target remains S_WA-P3-C070.

1. Source and usage register

Source ID	Issuer, title, and complete literal HTTPS URLs	Exact pinpoint and actual read bounds	Edition, status, credits, and limits
S_WA-P3-L001-S001	Bureau of Consumer Financial Protection; OFR/GPO eCFR, 12 CFR § 1006.1 — Authority, purpose, and coverage. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1	Complete (a), (b), (c)(1), and (c)(2); displayed source credits, currency banner, and publication-status statement.	Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: 85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021. Incorporated authorities were not independently reverified here. ecfr.gov
S_WA-P3-L001-S002	Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f	PDF: 85 FR 76734, DATES, zero-based PDF index 0; complete adopted § 1006.1(a)–(c) at printed 76887–76888, PDF indexes 153–154. HTML: corresponding operative text, DATES, and § 1006.1 discussion.	Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, (c)(2) was reserved. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. govinfo.gov+2
S_WA-P3-L001-S003	Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f	PDF: 86 FR 5766, DATES, PDF index 0; 86 FR 5853, PDF index 87, Authority and Issuance and complete amendatory instruction 2, including the added § 1006.1(c)(2). Corresponding HTML passages also read.	Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. govinfo.gov+1

All three sources were freshly accessed on the access date above. Their jurisdictional relevance here is the federal Regulation F source citation, not a new Washington-law finding.

2. Corrected claim register

The first row is a bounded reissue supported by the fresh reading, not a claimed verbatim transcription of the unavailable original C070.

Correction claim ID	Precise proposition	Authority and pinpoint	Disposition and retained limits
S_WA-P3-L001-C001	For original target S_WA-P3-C070: Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, 12 U.S.C. § 5519(a). The coverage pinpoint is § 1006.1(c)(1).	S001, § 1006.1(c)(1). ecfr.gov	Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows.
S_WA-P3-L001-C002	The old (b) citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision.	S001, complete (b) and (c)(1); S002, printed 76888/PDF 154. govinfo.gov	Citation-location error established.
S_WA-P3-L001-C003	The published 2020 adopted text already placed the relevant coverage clause in (c)(1).	S002, printed 76888/PDF 154, § 1006.1(c)(1). govinfo.gov	No basis in this adopted text to treat (b) as the former location of this clause.
S_WA-P3-L001-C004	The 2021 amendment added (c)(2), separately addressing § 1006.34(c)(2)(iii) and (c)(3)(iv) when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f).	S003, instruction 2, printed 5853/PDF 87; current placement checked in S001, (c)(2). govinfo.gov	Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements.
S_WA-P3-L001-C005	Both published final rules state November 30, 2021 as their effective date. Their publication dates are different from that effective date.	S002, DATES, printed 76734/PDF 0; S003, DATES, printed 5766/PDF 0. govinfo.gov+1	Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion.
S_WA-P3-L001-C006	For the coverage proposition supplied by the coordinator, replacing (b) with (c)(1) changes the pinpoint without changing the stated proposition.	Comparison of the supplied issue description with C001–C004.	This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem.

3. Old-versus-new patch table

Only the first row is a coordinator-identified affected occurrence. The remaining rows record the exact limits of the requested original-answer inspection.

Patch target / original location	Old text or pointer available for inspection	Corrected text or disposition	Verification status
Original claim register: S_WA-P3-C070, coverage/§ 5519(a) supporting citation	§ 1006.1(b), as expressly identified in the supplied review context. The complete original claim sentence and source cell are not available.	Replace that coverage pinpoint with 12 CFR § 1006.1(c)(1) and the direct S001 URL. Preserve the original claim ID and all its substantive qualifications and holds. C001 supplies the freshly supported bounded restatement.	Correction authenticated; original occurrence identified by coordinator context, not freshly inspected.
Original source/usage-register entry supporting C070	Original source ID, exact row wording, and whether it repeats the erroneous pinpoint are unavailable.	No fabricated patch row or source ID. If that entry attributes this same coverage clause to (b), its coverage pinpoint requires the same correction. Any legitimate purpose citation to (b) remains intact.	Occurrence not verified; exact row remains needed.
Other original PASS-03 prose or tables	The complete original answer is unavailable for an occurrence search.	No additional occurrence count or completed replacement is asserted. The remaining inspection is confined to references that use (b) for this coverage proposition.	Exhaustive inventory unresolved.

The remaining evidence needed for the inventory is the complete original PASS-03 answer text, including C070’s full source cell and the corresponding source-register entry. This is an evidence limitation, not a request to broaden the substantive investigation.

4. Coverage and disposition table

Requested item	Disposition	Evidence / exact retained boundary
Complete current § 1006.1(a)–(c)	Read and authenticated to displayed currency.	S001; C001–C002, C004.
Material paragraph-placement and amendment history	Read for this correction.	S002–S003; C003–C005. No complete rulemaking or subsequent-litigation review claimed.
Correct C070 coverage pinpoint	Established.	Original C070 remains the target; C001 is the bounded reissue.
Reproduce original C070 exactly and inspect every occurrence in the original answer	Unresolved.	Original answer text is unavailable in this turn. Patch table identifies the confirmed target and unverified locations separately.
§ 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A	Unchanged and unreopened.	Their cross-references are preserved. No fresh complete incorporated-authority verification is claimed.
§ 1006.1(c)(2)	Separate boundary preserved.	C004; no merger into the general coverage clause.
§ 1006.2(i)’s limited security-enforcement addition	Unchanged and unreopened.	No new currentness or construction conclusion.
§ 1006.26 time-barred-debt / bankruptcy distinction	Unchanged and unreopened.	No new bankruptcy-claim, filing, liability, or outcome conclusion.
Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions	Excluded from this correction.	No amendments to their findings, quantities, or holds.
Overall issue disposition	Pinpoint resolved; exhaustive original-answer occurrence audit remains open.	No broader federal-scope or report acceptance follows.

5. Source-version and quantity-or-unchanged table

Item	Verified value or status	Meaning and limit
Fresh access	October 28, 2026, America/Los_Angeles	Research access date only.
S001 displayed currency	Through October 26, 2026; title-wide last-amended metadata October 23, 2026	Neither establishes a § 1006.1 clause-amendment date. No extension beyond displayed currency is asserted. ecfr.gov
S002 publication / stated effectiveness	November 30, 2020 / November 30, 2021	Published adopted rule versus stated effective date; C005.
S003 publication / stated effectiveness	January 19, 2021 / November 30, 2021	Published adopted amendment versus stated effective date; C005.
New numerical measure	None.	No new limitation period, monetary measure, counting convention, financial input, or worked example is introduced.
Earlier quantities and application holds	Unchanged; not rechecked here.	Citation correction does not revalidate or modify them.

6. Bounded read/search/failure log and self-check

Route or check	Result
Supplied current eCFR URL	Successful fresh read of the complete section, credits, status statement, and currency metadata.
eCFR’s two Federal Register credit links	Successful reads of the relevant government HTML passages.
Targeted official-original discovery	Searched GovInfo for the two identified rule documents. Search results were discovery, not substitutes for operative text.
GovInfo 2020 document-details route: https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463	Returned no readable body. The materially different ordinary official PDF route in S002 succeeded. The failed details route was not retried.
Official 2020 and 2021 PDFs	Relevant operative clauses and DATES passages read successfully; exact printed pages and zero-based indexes recorded above.
Same-conversation original-answer retrieval	The available context-retrieval capability expressly lacks access to the current conversation. No broader personal-history search was performed. It could not supply the missing original PASS-03 answer.

Researcher self-check—not independent review: The corrected pinpoint rests on fresh primary reading, not on treating the coordinator’s supplied check as my own access. The source register distinguishes current compilation, historical adopted originals, and alternate formats. Neighboring material returned during navigation was not used to expand the correction. The complete original PASS-03 response was not inspected, and the occurrence audit is therefore expressly incomplete. Every earlier scope, currentness, incorporation, construction, and actual-application hold remains unchanged.

END S_WA PASS-03 CITATION-01.

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

How to read the research →

Read the related correction supplements

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

SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

Captured table 01

Source ID · Issuer, title, and complete literal HTTPS URLs · Exact pinpoint and actual read bounds · 3 data rows

Source ID	Issuer, title, and complete literal HTTPS URLs	Exact pinpoint and actual read bounds	Edition, status, credits, and limits
S_WA-P3-L001-S001	Bureau of Consumer Financial Protection; OFR/GPO eCFR, 12 CFR § 1006.1 — Authority, purpose, and coverage. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1	Complete (a), (b), (c)(1), and (c)(2); displayed source credits, currency banner, and publication-status statement.	Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: 85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021. Incorporated authorities were not independently reverified here. ecfr.gov
S_WA-P3-L001-S002	Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f	PDF: 85 FR 76734, DATES, zero-based PDF index 0; complete adopted § 1006.1(a)–(c) at printed 76887–76888, PDF indexes 153–154. HTML: corresponding operative text, DATES, and § 1006.1 discussion.	Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, (c)(2) was reserved. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. govinfo.gov +2
S_WA-P3-L001-S003	Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f	PDF: 86 FR 5766, DATES, PDF index 0; 86 FR 5853, PDF index 87, Authority and Issuance and complete amendatory instruction 2, including the added § 1006.1(c)(2). Corresponding HTML passages also read.	Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. govinfo.gov +1

Source links captured in this table

Captured table 02

Correction claim ID · Precise proposition · Authority and pinpoint · 6 data rows

Correction claim ID	Precise proposition	Authority and pinpoint	Disposition and retained limits
S_WA-P3-L001-C001	For original target S_WA-P3-C070: Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, 12 U.S.C. § 5519(a). The coverage pinpoint is § 1006.1(c)(1).	S001, § 1006.1(c)(1). ecfr.gov	Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows.
S_WA-P3-L001-C002	The old (b) citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision.	S001, complete (b) and (c)(1); S002, printed 76888/PDF 154. govinfo.gov	Citation-location error established.
S_WA-P3-L001-C003	The published 2020 adopted text already placed the relevant coverage clause in (c)(1).	S002, printed 76888/PDF 154, § 1006.1(c)(1). govinfo.gov	No basis in this adopted text to treat (b) as the former location of this clause.
S_WA-P3-L001-C004	The 2021 amendment added (c)(2), separately addressing § 1006.34(c)(2)(iii) and (c)(3)(iv) when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f).	S003, instruction 2, printed 5853/PDF 87; current placement checked in S001, (c)(2). govinfo.gov	Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements.
S_WA-P3-L001-C005	Both published final rules state November 30, 2021 as their effective date. Their publication dates are different from that effective date.	S002, DATES, printed 76734/PDF 0; S003, DATES, printed 5766/PDF 0. govinfo.gov +1	Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion.
S_WA-P3-L001-C006	For the coverage proposition supplied by the coordinator, replacing (b) with (c)(1) changes the pinpoint without changing the stated proposition.	Comparison of the supplied issue description with C001–C004.	This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem.

Source links captured in this table

Captured table 03

Patch target / original location · Old text or pointer available for inspection · Corrected text or disposition · 3 data rows

Patch target / original location	Old text or pointer available for inspection	Corrected text or disposition	Verification status
Original claim register: S_WA-P3-C070, coverage/§ 5519(a) supporting citation	§ 1006.1(b), as expressly identified in the supplied review context. The complete original claim sentence and source cell are not available.	Replace that coverage pinpoint with 12 CFR § 1006.1(c)(1) and the direct S001 URL. Preserve the original claim ID and all its substantive qualifications and holds. C001 supplies the freshly supported bounded restatement.	Correction authenticated; original occurrence identified by coordinator context, not freshly inspected.
Original source/usage-register entry supporting C070	Original source ID, exact row wording, and whether it repeats the erroneous pinpoint are unavailable.	No fabricated patch row or source ID. If that entry attributes this same coverage clause to (b), its coverage pinpoint requires the same correction. Any legitimate purpose citation to (b) remains intact.	Occurrence not verified; exact row remains needed.
Other original PASS-03 prose or tables	The complete original answer is unavailable for an occurrence search.	No additional occurrence count or completed replacement is asserted. The remaining inspection is confined to references that use (b) for this coverage proposition.	Exhaustive inventory unresolved.

Captured table 04

Requested item · Disposition · Evidence / exact retained boundary · 10 data rows

Requested item	Disposition	Evidence / exact retained boundary
Complete current § 1006.1(a)–(c)	Read and authenticated to displayed currency.	S001; C001–C002, C004.
Material paragraph-placement and amendment history	Read for this correction.	S002–S003; C003–C005. No complete rulemaking or subsequent-litigation review claimed.
Correct C070 coverage pinpoint	Established.	Original C070 remains the target; C001 is the bounded reissue.
Reproduce original C070 exactly and inspect every occurrence in the original answer	Unresolved.	Original answer text is unavailable in this turn. Patch table identifies the confirmed target and unverified locations separately.
§ 5519 actor/vehicle definitions and exceptions; FDCPA scope; § 1006.108/Appendix A	Unchanged and unreopened.	Their cross-references are preserved. No fresh complete incorporated-authority verification is claimed.
§ 1006.1(c)(2)	Separate boundary preserved.	C004; no merger into the general coverage clause.
§ 1006.2(i)’s limited security-enforcement addition	Unchanged and unreopened.	No new currentness or construction conclusion.
§ 1006.26 time-barred-debt / bankruptcy distinction	Unchanged and unreopened.	No new bankruptcy-claim, filing, liability, or outcome conclusion.
Washington limitation/revival law, military law, original 2019 act, other passes or jurisdictions	Excluded from this correction.	No amendments to their findings, quantities, or holds.
Overall issue disposition	Pinpoint resolved; exhaustive original-answer occurrence audit remains open.	No broader federal-scope or report acceptance follows.

Captured table 05

Item · Verified value or status · Meaning and limit · 6 data rows

Item	Verified value or status	Meaning and limit
Fresh access	October 28, 2026, America/Los_Angeles	Research access date only.
S001 displayed currency	Through October 26, 2026; title-wide last-amended metadata October 23, 2026	Neither establishes a § 1006.1 clause-amendment date. No extension beyond displayed currency is asserted. ecfr.gov
S002 publication / stated effectiveness	November 30, 2020 / November 30, 2021	Published adopted rule versus stated effective date; C005.
S003 publication / stated effectiveness	January 19, 2021 / November 30, 2021	Published adopted amendment versus stated effective date; C005.
New numerical measure	None.	No new limitation period, monetary measure, counting convention, financial input, or worked example is introduced.
Earlier quantities and application holds	Unchanged; not rechecked here.	Citation correction does not revalidate or modify them.

Source links captured in this table

ecfr.gov

Captured table 06

Route or check · Result · 6 data rows

Route or check	Result
Supplied current eCFR URL	Successful fresh read of the complete section, credits, status statement, and currency metadata.
eCFR’s two Federal Register credit links	Successful reads of the relevant government HTML passages.
Targeted official-original discovery	Searched GovInfo for the two identified rule documents. Search results were discovery, not substitutes for operative text.
GovInfo 2020 document-details route: https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463	Returned no readable body. The materially different ordinary official PDF route in S002 succeeded. The failed details route was not retried.
Official 2020 and 2021 PDFs	Relevant operative clauses and DATES passages read successfully; exact printed pages and zero-based indexes recorded above.
Same-conversation original-answer retrieval	The available context-retrieval capability expressly lacks access to the current conversation. No broader personal-history search was performed. It could not supply the missing original PASS-03 answer.

Source links captured in this table

https://www.govinfo.gov/app/details/FR-2020-11-30/2020-24463

Find the assertion and its boundaries

Search this report’s claim records

How to read the research →

Read the related correction supplements

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

SWA exact original-row completion →
Two bounded source corrections →
1. Exact two-cell replacements →

S_WA-P3-L001-C001 Saved research record

For original target S_WA-P3-C070: Subject to the State-exemption-application provisions identified in § 1006.108 and Appendix A, Regulation F applies to debt collectors defined in § 1006.2(i), excluding persons excluded under section 1029(a) of the Consumer Financial Protection Act, 12 U.S.C. § 5519(a). The coverage pinpoint is § 1006.1(c)(1).

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C001
Authority and pinpoint: S001, § 1006.1(c)(1). ecfr.gov
Disposition and retained limits: Pointer verified. The incorporated actor/vehicle definitions, exceptions, currency, construction, and classification questions remain held. No categorical finding about a dealer or other actor follows.

S_WA-P3-L001-C002 Saved research record

The old (b) citation is insufficient because it identifies the purpose paragraph rather than the operative coverage provision.

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C002
Authority and pinpoint: S001, complete (b) and (c)(1); S002, printed 76888/PDF 154. govinfo.gov
Disposition and retained limits: Citation-location error established.

S_WA-P3-L001-C003 Saved research record

The published 2020 adopted text already placed the relevant coverage clause in (c)(1).

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C003
Authority and pinpoint: S002, printed 76888/PDF 154, § 1006.1(c)(1). govinfo.gov
Disposition and retained limits: No basis in this adopted text to treat (b) as the former location of this clause.

S_WA-P3-L001-C004 Saved research record

The 2021 amendment added (c)(2), separately addressing § 1006.34(c)(2)(iii) and (c)(3)(iv) when collection concerns debt related to a consumer financial product or service defined in § 1006.2(f).

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C004
Authority and pinpoint: S003, instruction 2, printed 5853/PDF 87; current placement checked in S001, (c)(2). govinfo.gov
Disposition and retained limits: Preserve this separate provision. No reopening of the incorporated definitions or disclosure requirements.

S_WA-P3-L001-C005 Saved research record

Both published final rules state November 30, 2021 as their effective date. Their publication dates are different from that effective date.

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C005
Authority and pinpoint: S002, DATES, printed 76734/PDF 0; S003, DATES, printed 5766/PDF 0. govinfo.gov +1
Disposition and retained limits: Historical effective-date evidence only. No transaction-specific application or broader subsequent-history conclusion.

S_WA-P3-L001-C006 Saved research record

For the coverage proposition supplied by the coordinator, replacing (b) with (c)(1) changes the pinpoint without changing the stated proposition.

Recorded check status: bounded pointer primary comparison with original row occurrence completion pending

Correction claim ID: S_WA-P3-L001-C006
Authority and pinpoint: Comparison of the supplied issue description with C001–C004.
Disposition and retained limits: This conclusion is limited to the reported proposition. The unavailable complete original wording prevents certification that no surrounding sentence contains a separate substantive problem.

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

Search this report’s sources

S_WA-P3-L001-S001 Saved research record

Bureau of Consumer Financial Protection; OFR/GPO eCFR, 12 CFR § 1006.1 — Authority, purpose, and coverage. https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1

Recorded check status: selected primary body and version metadata separately compared in bounded citation review

Exact pinpoint and actual read bounds: Complete (a), (b), (c)(1), and (c)(2); displayed source credits, currency banner, and publication-status statement.
Edition, status, credits, and limits: Current online compilation, with displayed currency recorded in the version table below. Government-hosted, authoritative but unofficial compilation—not the official legal CFR edition. Credits: 85 FR 76887, Nov. 30, 2020; amended at 86 FR 5853, Jan. 19, 2021. Incorporated authorities were not independently reverified here. ecfr.gov
Direct source URLs: https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1
https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-A/section-1006.1?utm_source=chatgpt.com

S_WA-P3-L001-S002 Saved research record

Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f

Recorded check status: selected primary body and version metadata separately compared in bounded citation review

Exact pinpoint and actual read bounds: PDF: 85 FR 76734, DATES, zero-based PDF index 0; complete adopted § 1006.1(a)–(c) at printed 76887–76888, PDF indexes 153–154. HTML: corresponding operative text, DATES, and § 1006.1 discussion.
Edition, status, credits, and limits: Historical adopted text used to authenticate paragraph placement and the stated effective date. In this version, (c)(2) was reserved. Not relied upon as the complete current text. PDF text was parsed; page pixels were not inspected. The HTML and PDF are formats of the same instrument. govinfo.gov +2
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf
https://www.federalregister.gov/documents/2020/11/30/2020-24463/debt-collection-practices-regulation-f
https://www.govinfo.gov/content/pkg/FR-2020-11-30/pdf/2020-24463.pdf?utm_source=chatgpt.com

S_WA-P3-L001-S003 Saved research record

Bureau of Consumer Financial Protection, Debt Collection Practices (Regulation F), published final rule. Official Federal Register PDF: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf. Also read the government HTML rendition: https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f

Recorded check status: selected primary body and version metadata separately compared in bounded citation review

Exact pinpoint and actual read bounds: PDF: 86 FR 5766, DATES, PDF index 0; 86 FR 5853, PDF index 87, Authority and Issuance and complete amendatory instruction 2, including the added § 1006.1(c)(2). Corresponding HTML passages also read.
Edition, status, credits, and limits: Historical adopted amendment establishing the separate disclosure-specific paragraph. Not a new review of the rule’s other provisions. Parsed PDF text, not pixels; formats are not independent corroboration. govinfo.gov +1
Direct source URLs: https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf
https://www.federalregister.gov/documents/2021/01/19/2020-28422/debt-collection-practices-regulation-f
https://www.govinfo.gov/content/pkg/FR-2021-01-19/pdf/2020-28422.pdf?utm_source=chatgpt.com

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