I think we have gotten off track a bit. We can only have one loose ball play, and a loose ball during 1 or more running plays. 10-3-1 " the run(s) which precedes such legal or illegal kick, legal forward pass are considered part of the loose ball play.
So once the receiver catches and runs all actions after this are separate running plays (with a loose ball not play). I would want to enforce from the end of the run (bag).
I believe you are mistaken. While it’s true that we can only have 1 loose ball play during a down, the ball can be loose multiple times before that loose ball play. Examples include the snap, a fumble behind the line, a backward pass behind the line, etc. While all of these can be loose-ball plays in their own rights if the conditions are right, all of these can also simply be parts of a bigger loose-ball play if they happen prior to a final loose ball. Example:
Snap, backward pass, fumble OOB. Both the snap and the backward pass are loose balls which become a part of one loose-ball play.
In the OP, the pass indeed would have been the only loose-ball play had the play ended beyond the LOS. But, because the ball was carried back behind the los and ended with a fumble, that fumble and everything that happened before it, including the pass, became part of a huge Loose-ball play.
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