Question … To stop and think about.
Something I see 2-4 times a month in the Kansas City area. Mostly in semi-rural areas out of town a bit.
Outside close to the service meter is a panel and when you open it there is a disconnect / breaker (100-150-or 200amp).
Inside the home usually in the garage or basement is another panel. Sometimes it has a main disconnect / sometimes not. It most frequently has the neutrals / grounds on same buss bar(s).
In the city the code guys and most electricians treat this as a main panel (outside) and sub-panel (inside) and want to see the inside panels neutrals / grounds separated.
Outside town in rural / semi-rural areas they’re all across the board with how they call it.
Many rural electricians or utility providers call the outside disconnect a “courtesy disconnect” and call the inside panel the main panel AND allow it to follow main panel rules (like neutrals / grounds can be on same buss bar).
Other rural area treat it like its done in the larger cities. I hear discussions going both ways and I know how I treat and write it, but wondering how other treat it.
Your thoughts …