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

S_WI PASS-06 — Bounded corrections to PASS-05

Actual fresh access date: October 26, 2026, Pacific (America/Los_Angeles) and UTC. Historical baseline: October 22, 2026. Scope: Only the two authorized residual groups. PASS-04 and PASS-05 remain preserved; no statewide, parent, or A066 acceptance is implied.

G1. Exact Regulation F predicates and exceptions

1. Replace PASS-05 C001's inconsistent conditions cell

Old PASS-05 C001 conditions cell: “Federal collector and actual knowledge standard.”

Correct replacement: “Covered federal debt collector; the collector knows or should know that the debt has been paid, settled, or discharged in bankruptcy. Actual knowledge is sufficient but is not necessary where the constructive-knowledge standard is met. Subject to §1006.30(b)(2)'s precisely limited exceptions.”

New S_WI-P06-C001: Under 12 C.F.R. §1006.30(b)(1), the prohibition covers selling, transferring for consideration, or placing for collection a debt that the collector knows or should know was paid, settled, or discharged in bankruptcy. This is the literal disjunctive standard, not an actual-knowledge-only rule. Consumer Financial Protection Bureau

The main PASS-05 narrative was substantially correct. Only the inconsistent conditions cell and the related crosswalk/coverage wording require replacement.

2. Preserve the different scopes of the exceptions

The difference in statutory verbs matters. Subparagraph (i) expressly permits transfer for consideration within its three categories. Subparagraph (ii) expressly permits the broader listed sale, transfer, or placement actions, but only for the qualifying discharged secured debt. Subparagraph (iii) is limited to securitizations and pledges. None creates general authority to resume otherwise prohibited collection activity. Consumer Financial Protection Bureau

Section 1006.30(a)'s separate pre-furnishing contact rule and specialty check-writing-CRA exception remain unchanged. They do not determine whether a debt transfer qualifies under paragraph (b).

3. Two bounded classification comparisons

Comparison A — Actual knowledge versus constructive knowledge

A collector's employee reads a system record confirming that the debt was settled. That can satisfy actual knowledge. Alternatively, the settlement is accurately and prominently recorded in the collector's ordinary account system, but the responsible employee says they never opened that entry. Depending on the facts and reasonable access to those records, the collector should know the debt was settled even without proof of the employee's personal awareness.

Both situations must be tested against §1006.30(b)(1). The second cannot be excluded merely for lack of actual awareness. Neither hypothetical adjudicates what reasonable knowledge an actual organization possessed.

Comparison B — Return to owner versus new collection placement

Collector A holds a settled debt for Owner B.

• Transferring for consideration back to the actual owner B may qualify under (b)(2)(i)(A).
• Placing the same settled debt with unrelated Collector C for renewed collection is not converted into an owner transfer simply because Owner B requested it.
• A separate statutory exception must genuinely apply before an otherwise prohibited sale, transfer, or placement can be justified.

No hypothetical establishes that the debt remains collectible, that compensation occurred, or that a consumer has an automatic private claim. Consumer Financial Protection Bureau

G2. Corrected self-check counts and provenance

4. Replace PASS-05's final audit counts

The historical PASS-05 counts are corrected using the coordinator's saved-DOM observations supplied for this correction. They are not presented as an independent recount.

S_WI-P06-C009: Replace only the two incorrect counts. Do not add or delete substantive rows to match the old figures.

5. Preserve the distinct source-access histories

Both OLRC editions were successfully opened and read in this PASS-06 session.

The path /119-118/ does not establish that the displayed text was compiled only through Public Law 119-118; the actual returned headers identify Public Law 119-120.

A failed fetch in the coordinator's session does not disprove a successful fetch in this session. Conversely, this session's successful October 15-edition reads cannot be attributed retroactively to the coordinator. P06-C010. USCode+3

6. Preserve the separate federal investigation clocks

The annual free-report pathway remains subject to §1681j(a)(1)'s predicates, including the centralized source for nationwide CRAs and the specified streamlined process for nationwide specialty CRAs.

The FTC confirms that the three nationwide CRAs currently make free weekly reports available voluntarily. Whether a particular voluntarily obtained weekly report qualifies as a report under §1681j(a), for purposes of the separate 45-day provision, remains held. USCode+2

7. Other holds remain untouched

PASS-06 does not resolve the outstanding official Wisconsin §§421, 425, 427, §100.54, DFI-Bkg 74, or Act 105 access gaps. It does not settle the Wisconsin $320 penalty example's legal applicability, state–federal preemption, contractual questions, actual account facts, Equifax-specific medical policy, complete citator history, or medical/local/tribal sector issues.

The seven previously checked scalar relations, single plain-text DOFD expression, final-but-vacated 2025 medical rule, and previously attributed PDF page-image observations remain preserved without a new numerical or legal entitlement claim.

P06-C013: These are retained evidentiary boundaries, not fresh resolution of the underlying matters.

8. Complete PASS-05 → PASS-06 crosswalk

The unchanged PASS-04/PASS-05 material is retained, not re-reviewed.

9. PASS-06 source register

All seven sources below were freshly accessed October 26, 2026, Pacific and UTC. No individual fetch timestamps, PDF inspection, or unpublished retrieval methods are claimed.

No state enacted-body read, court-PDF inspection, medical-policy recertification, or full citator was conducted in PASS-06.

10. PASS-06 atomic claim register

11. Complete two-group coverage and retained holds

12. Final count and provenance reconciliation

Researcher self-check: The operative Regulation F text and relevant official interpretations were freshly read. Both displayed OLRC compilation editions of §§1681j and 1681c-1, plus the narrow §1681i timing clauses and FTC weekly-report guidance, were freshly read. The earlier coordinator observations remain separately attributed. No Wisconsin enacted text was recovered or represented as newly verified, no PDF pages were visually inspected in this pass, and no complete citator or independent review was performed.

Disposition: Both PASS-06 correction groups are completed within their authorized bounds. The actual-knowledge-only error and inaccurate PASS-05 audit counts are corrected, with the owner/previous-owner/corporate exception scopes made explicit. All unaffected findings and unresolved evidence holds remain preserved without acceptance or publication/operations approval.

END S_WI PASS-06