5
           
            
                
     
    
    No confirmation code on the registration page - disclaimer text is followed directly by the Submit button. 
The full non-commented content in my /class/captcha/config.php file is the following, which includes the line you referenced:
return $config = array(
 "disabled" => false, // Disable CAPTCHA
 "mode" => 'image', // default mode
 "name" => 'xoopscaptcha', // captcha name
 "skipmember" => true, // Skip CAPTCHA check for members
 "maxattempt" => 10, // Maximum attempts for each session
 "num_chars" => 4, // Maximum characters
 "rule_text" => _CAPTCHA_RULE_TEXT,
 "maxattempt_text" => _CAPTCHA_MAXATTEMPTS,
 );
This was a brand new (for me the first) install. I'm stumped.