the RA only comes into play in specific scenarios....1) when the primary defender has been beaten (with or without the ball) and 2) during an odd-numbered fastbreak/transition play.
when either of those plays occurs, your mind should immediately think "RA rules"...
what you described is neither. the primary defender established legal guarding position and took the contact in the torso. illegal contact occurred and the ball handler/shooter was responsible for it...charge!
of course, these interps are so "new" to NCAA-M, that Art Hyland and John Adams will no doubt be advising how they want these plays called throughout the season.
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