"One of the big philosophical ruptures between Protestants and Catholics is the role of ecclesial authority. The two alternatives are the Church always deciding what constitutes orthodoxy (and using those standards to judge the individual), or the individual always deciding what constitutes orthodoxy (and using that standard to judge the Church). The problem for Confessional Reformed churches is that they want the middle ground (where sometimes the Church judges your orthodoxy while leaving open the possibility of your judging the Church’s orthodoxy). But this middle ground is untenable because it ultimately reduces to one of the above two options"
— from comment 235 here http://www.calledtocommunion.com/2009/09/why-protestantism-has-no-visible-catholic-church/

From comment 160 below http://www.calledtocommunion.com/2014/03/world-vision-and-the-quest-for-protestant-unity/

I disagree on about your comments that the catechism is not a list of essential doctrines for Rc’s to believe. One of the purposes of the a catechism serves this function.
Not in the sense that you seem to be talking about ‘essential doctrines.’ Your idea of essentials appears to be a list of all and only those things which are necessary to believe; the Catechism is not that. The Catholic is bound to believe the Church, because it is God’s divine mouthpiece. Thus when, in future, some new controversy arises which it is necessary for Christians to know the truth of, the Church will be able to tell him – even although it is not in the current copy of the Catechism. That’s what I mean when I say that the idea of a list of essentials is not a Catholic concept at all.

No, I think we can be sure that in Christ’s system of adjudicating disputes in Matthew 18, a dispute between two local church pastors can be appealed to the next higher authority, and the next, and end ultimately with a final arbiter where “the buck stops.” That way, there’s One Church we can “take it to.”
(Otherwise, the verse would have read, “Take it to your local church; and if you can’t get agreement there, leave that church and join another with doctrines more to your liking.”)
Another reason we can be sure of this is because Matthew 18 clearly presupposes that the decisions being made in these judgments will sometimes include binding decisions about doctrine, and these binding decisions will somehow be made infallibly correctly: What is bound on earth is bound in Heaven (and Heaven never makes incorrect bindings, nor does Heaven disagree with itself).
Imagine a situation where two Christian women attend two local churches. One is contemplating having an abortion. The other exhorts her not to do it; but the first woman says she thinks it isn’t wrong. The second woman brings another woman or two along to talk to her a second time; still, she doesn’t budge. So, the second woman is now supposed to “bring the matter to the Church.”
We can clearly envision a situation in which the first woman’s local church pastor and elders agree with her that the unborn are not people and that abortion is not a sin, but the second woman’s local church pastor and elders hold that the unborn are people and that abortion is murder. What then would be the outcome, if Matthew 18 were discussing only the local church? “The Church” (understood purely in a Congregational sense) would have “bound” and “loosed” abortion simultaneously, meaning that Heaven both agreed and disagreed with it!
In your second paragraph, you say,
You seem to have an implicit assumption that everyone needs to agree with Rome. And this leads you to conclude anyone not in communion with Rome is therefore in schism.
Well, yes: That does indeed seem to be the Scriptural model, after all.
When Korah disagrees with Moses about centralized authority roles in the People of God, it is decidedly not okay for him to march off and start a new People of God on the opposite street corner.
When 10 tribes of Israel got fed up with the Son (technically, the spoiled-brat grandson) of David, they split the kingdom. God even allowed it, and did not forget them, and blessed them for a time. But I ask you: Did God’s promise of an eternal kingdom come through Samaria, or Jerusalem? Did the scepter depart from Judah and go to the Northern Kingdom? Or were there two “scepters?” When it was time to restore the people to the land, who got restored, and who was scattered?
God provides a locus of unity for His people. As it was in the beginning, is now, and ever shall be. So where is the locus of unity for the Kingdom, today?
Jesus, of course! …but He is in Heaven, at the right hand of the Father. The flock need a shepherd they can see. Did Jesus give no thought to that?
Of course He did. He did what the Davidic Kings always did: He had stewards in every place in the Kingdom, with specific territories or zones of authority. And when the king was away, the chief steward (who had a robe and throne of office, and who held the Keys of the House of David) was the person who kept the kingdom unified until the king returned. The “Al Bayith” had various functions: He was “like a father to those in Jerusalem”; he could “bind and loose” with stewardly authority on behalf of the king like the other stewards (but as chief steward, he could loose what others bound and bind what others loosed; and what he bound, none could loose, and what he loosed, none could bind).
That office was the locus of unity when the king was absent, under the sons of David. Is Jesus the rightful heir, the “Son of David,” or not?
He is. So the matter becomes simple: We look for Christ’s stewards, and let them adjudicate disputes; and if there is ever a dispute that the stewards themselves disagree about, then the chief steward will resolve it. Once that happens, he who rejects the authority of the chief steward is rejecting the authority of the King. If a large group does so, it becomes a rebel province separating from the Kingdom.
To determine to whom Jesus granted the office of chief steward, we need only ask: To whom did Jesus give the Keys of the House of David? (But of course, the Old Covenant type is the Davidic Kingdom; the New Covenant fulfillment is the Kingdom of Heaven. So whereas a Davidic king might assign his chief steward “the keys of the kingdom of David,” Jesus will naturally assign His chief steward “the keys of the kingdom of Heaven.”)
Protestant scholars generally agree with Catholic scholars about Matthew 16: Jesus here makes Peter the chief steward. Isaiah 22 is the background in the Old Covenant for this conferral of authority in the New.
Now the stewardly offices could increase or decrease in number as the kingdom grew; but when one steward died, a successor was always chosen for his office. We see a successor chosen for the office of Judas Iscariot in Acts 1, so we know that this stewardly succession was not merely an Old Testament practice, but continues in the New.
Does it not follow that Peter, as Al Bayith, would have successors also? Does it not follow that when following the Matthew 18 process, if stewards disagree the best practice is to appeal the matter to the chief steward who can bind what others loose, and loose what others bind, and thereby settle the matter for the whole Kingdom? “Roma locuta, causa finita est.”
It’s all deeply Scriptural, and it makes church discipline according to the Matthew 18 model possible.
Also from a comment here 225  http://www.calledtocommunion.com/2014/03/the-quest-for-the-historical-church-a-protestant-assessment/
There are other levels of authority besides infallibility. The Holy See answers a "dubium" on a fairly regular basis. <a href="http://www.vatican.va/roman_curia/congregations/cfaith/documents/rc_con_cfaith_doc_19951028_dubium-ordinatio-sac_en.html" target="_blank" rel="nofollow">Here</a> is one example.