I only show the beginning of the excellent article. Passive and active schism has already occurred in the Church and has for at least 40 years. It does not start out all the time as formal denial of papal primacy, but in effect that is what it is.....
Schism (from the Greek schisma, rent, division) is, in the language of theology and canon law, the rupture of ecclesiastical union andunity, i.e. either the act by which one of the faithful severs as far as in him lies the ties which bind him to the social organization of the Church and make him a member of the mystical body of Christ, or the state of dissociation or separation which is the result of that act. In this etymological and full meaning the term occurs in the books of the New Testament. By this name St. Paul characterizes and condemns the parties formed in the community of Corinth (1 Corinthians 1:12): "I beseech you, brethren", he writes, ". . . that there be no schisms among you; but that you be perfect in the same mind, and in the same judgment" (ibid., i, 10). The union of the faithful, he says elsewhere, should manifest itself in mutual understanding and convergent action similar to the harmonious co-operation of our members which God hath tempered "that there might be no schism in the body" (1 Corinthians 12:25). Thus understood, schism is a genus which embraces two distinct species: heretical or mixed schism and schism pure and simple. The first has its source in heresy or joined with it, the second, which most theologians designate absolutely as schism, is the rupture of the bond of subordination without an accompanying persistent error, directly opposed to a definite dogma. This distinction was drawn by St. Jerome and St. Augustine. "Between heresy andschism", explains St. Jerome, "there is this difference, that heresy perverts dogma, while schism, by rebellion against the bishop, separates from the Church. Nevertheless there is no schism which does not trump up a heresy to justify its departure from the Church (In Ep. ad Tit., iii, 10). And St. Augustine: "By false doctrines concerning God heretics wound faith, by iniquitous dissensions schismatics deviate from fraternal charity, although they believe what we believe" (On Faith and the Creed 9). But as St. Jerome remarks, practically and historically, heresy and schism nearly always go hand in hand; schism leads almost invariably to denial of the papal primacy.
Schism, therefore, is usually mixed, in which case, considered from a moral standpoint, its perversity is chiefly due to the heresy which forms part of it. In its other aspect and as being purely schism it is contrary to charity and obedience; to the former, because it severs the ties of fraternal charity, to the latter, because the schismatic rebels against the Divinely constituted hierarchy. However, not every disobedience is a schism; in order to possess this character it must include besides the transgression of the commands of superiors, denial of their Divine right to command. On the other hand, schism does not necessarily imply adhesion, either public or private, to a dissenting group or a distinct sect, much less the creation of such a group. Anyone becomes a schismatic who, though desiring to remain aChristian, rebels against legitimate authority, without going as far as the rejection of Christianity as a whole, which constitutes the crime of apostasy.
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Some theologians distinguish "active" from "passive" schism. By the former they understand detaching oneself deliberately from the body of the Church, freely renouncing the right to form a part of it. They call passive schism the condition of those whom the Church herself rejects from her bosom by excommunication, inasmuch as they undergo this separation whether they will or no, having deserved it. Hence, this article will deal directly only with active schism, which is schism properly so-called. It is nevertheless clear that so-called passive schism not only does not exclude the other, but often supposes it in fact and theory.
You can read the rest here...http://www.newadvent.org/cathen/13529a.htm