Mass Redistribution Expansion Theory (MRET) v3.2 presents a unified scalar–tensor cosmology in which late-time cosmic acceleration arises from the large-scale geometric effects of astrophysical mass redistribution, rather than a cosmological constant. The model begins with The Quiet Beginning—a finite, balanced state with negligible expansion—and links the onset of acceleration to irreversible matter flows into compact, high-curvature objects, particularly black holes. In v3.2, the scalar field ϕ, identified as the Geometric Expansion Field (GEF), is driven by a lag–memory–saturation kernel responding to the black hole accretion rate density (BHARD). This framework naturally produces late-time acceleration, remains consistent with early-universe constraints, and offers multiple falsifiable predictions: A measurable multi-Gyr lag between BHARD and cosmic acceleration, Directional Hubble anisotropies correlated with SMBH overdensities, Distinct void-lensing convergence profiles, Observable redshift drift deviations from ΛCDM. MRET v3.2 includes the full theoretical derivation, modified Friedmann equations, synthetic observational fits, and clearly defined falsifiers. This release also provides a roadmap for future testing with DESI, LSST, and high-precision redshift drift measurements.